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Cash Flow Overview

Change in Cash
-$36,172K
Free Cash flow
$4,761K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from the sales of sba l...
    • Net income
    • Increase (decrease) in accounts ...
    • Others
Negative Cash Flow Breakdown
    • Net increase in deposits
    • Net increase in loans receivable
    • Purchases of investment securiti...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Provision for loss on other real estate owned
-
0
-1
58
Net income
3,093
6,166
2,525
7,235
Depreciation expense
220
424
227
710
Discount on investment securities, net
35
32
12
6
Provision for credit losses
350
280
230
172
Originations of sba loans held for sale
3,171
5,722
2,944
8,941
Proceeds from the sales of sba loans
3,473
6,249
3,230
9,790
Gains on sale of sba loans
303
527
287
848
Gains on the sale of premises and equipment
-
-
-
0
Loss (gain) on the sales of other real estate owned
-1
-13
-1
287
Esop compensation expense
54
107
53
134
Stock-based compensation expense
155
310
155
466
Deferred income tax benefit
-193
8
-119
-229
Decrease (increase) in accrued interest receivable
-119
80
424
318
Income on bank owned life insurance
170
336
172
501
Decrease in other assets
-
-
331
-1,393
(increase) decrease in other assets
-430
-719
-
-
Increase (decrease) in accrued interest payable
300
214
221
-143
Increase (decrease) in accounts payable and other liabilities
1,760
552
494
-1,142
Net increase in loans receivable
-
-
-
63,490
Net cash provided by operating activities
5,223
6,907
2,846
7,543
Proceeds from maturities of investment securities held-to-maturity
-
-
3,000
8,500
Principal repayments on investment securities available-for-sale
-
-
686
1,084
Proceeds from maturities of investment securities held-to-maturity
-
0
-
-
Net increase in loans receivable
-
-
83,891
-
Redemption of bank owned life insurance
-
0
1,732
3,245
Proceeds from the sale of loans receivable
-
-
7,100
-
Net increase in loans receivable
10,488
20,897
-
0
Purchases of investment securities held-to-maturity
0
3,179
1,945
2,446
Proceeds from the sale of premises and land
-
-
-
0
Purchases of investment securities available-for-sale
7,408
11,287
0
6,915
Principal repayments on investment securities held-to-maturity
1,191
2,357
1,204
4,232
Principal repayments on investment securities available-for-sale
1,147
1,497
-
-
Purchases of premises and equipment, net
462
333
52
522
Proceeds from the sale of other real estate owned
0
-2,131
0
-1,788
Purchase of federal home loan bank stock
87
63
2,388
545
Redemption of federal home loan bank stock
0
86
1,815
68
Net cash used in investing activities
-16,107
-29,688
-9,249
-55,001
Proceeds from long-term advances
-
0
15,000
8,986
Repayments of long-term advances
-
-
2,000
1,500
Dividends paid on common stock
-
-
501
1,322
Repayments of long-term advances
-
0
-
-
Net increase in deposits
-24,569
64,131
-5,655
23,288
Net increase in escrowed funds
142
528
-407
306
Proceeds from exercise of stock options
38
-24
-
24
Dividends paid on common stock
636
1,130
-
-
Purchase of treasury stock
263
191
-25
869
Net cash provided by financing activities
-25,288
63,338
6,438
28,913
Net increase in cash and cash equivalents
-36,172
40,557
35
-18,545
Cash and cash equivalents, beginning of period
7,086
-
25,596
-
Cash and cash equivalents, end of period
11,471
-
7,086
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Proceeds from the sales ofsba loans$3,473K (-64.53%↓ Y/Y)Net income$3,093K (-57.25%↓ Y/Y)Increase (decrease) inaccounts payable and...$1,760K (254.12%↑ Y/Y)Provision for creditlosses$350K (103.49%↑ Y/Y)Increase (decrease) inaccrued interest...$300K (309.79%↑ Y/Y)Depreciation expense$220K (-69.01%↓ Y/Y)Stock-based compensationexpense$155K (-66.74%↓ Y/Y)Decrease (increase) inaccrued interest...-$119K (-137.42%↓ Y/Y)Esop compensationexpense$54K (-59.70%↓ Y/Y)Loss (gain) on thesales of other real...-$1K (-100.35%↓ Y/Y)Net cash provided byoperating activities$5,223K (-30.76%↓ Y/Y)Canceled cashflow$4,302K Net increase in cashand cash...-$36,172K (-95.05%↓ Y/Y)Canceled cashflow$5,223K Net increase inescrowed funds$142K (-53.59%↓ Y/Y)Proceeds from exercise ofstock options$38K (58.33%↑ Y/Y)Principal repayments oninvestment securities...$1,191K (-71.86%↓ Y/Y)Principal repayments oninvestment securities...$1,147K (5.81%↑ Y/Y)Originations of sba loans heldfor sale$3,171K (-64.53%↓ Y/Y)(increase) decrease inother assets-$430K Gains on sale of sbaloans$303K (-64.27%↓ Y/Y)Deferred income taxbenefit-$193K (15.72%↑ Y/Y)Income on bank ownedlife insurance$170K (-66.07%↓ Y/Y)Discount on investmentsecurities, net$35K (483.33%↑ Y/Y)Net cash provided byfinancing activities-$25,288K (-187.46%↓ Y/Y)Net cash used ininvesting activities-$16,107K (70.72%↑ Y/Y)Canceled cashflow$180K Canceled cashflow$2,338K Net increase indeposits-$24,569K (-205.50%↓ Y/Y)Dividends paid on commonstock$636K (-51.89%↓ Y/Y)Purchase of treasurystock$263K (-69.74%↓ Y/Y)Net increase inloans receivable$10,488K Purchases of investmentsecurities...$7,408K (7.13%↑ Y/Y)Purchases of premises andequipment, net$462K (-11.49%↓ Y/Y)Purchase of federal homeloan bank stock$87K (-84.04%↓ Y/Y)

Magyar Bancorp, Inc. (MGYR)

Magyar Bancorp, Inc. (MGYR)