For the year ending 2025-09-30, MGYR had -$18,510K decrease in cash & cash equivalents over the period. $9,815K in free cash flow.
| Cash Flow | 2025-09-30 |
|---|---|
| Net income | 9,760 |
| Depreciation expense | 937 |
| (discount) premium (accretion) amortization on investment securities, net | 18 |
| Provision for credit losses | 402 |
| Provision for loss on other real estate owned | 57 |
| Originations of sba loans held for sale | 11,885 |
| Proceeds from the sales of sba loans | 13,020 |
| Gains on sale of sba loans | 1,135 |
| Gains on the sales of other real estate owned | 286 |
| Esop compensation expense | 187 |
| Stock-based compensation expense | 621 |
| Deferred income tax (benefit) expense | -348 |
| Increase in accrued interest receivable | 742 |
| Income on bank owned life insurance | 673 |
| Decrease in other assets | -1,062 |
| Increase in accrued interest payable | 78 |
| Decrease in accounts payable and other liabilities | -648 |
| Net cash provided by operating activities | 10,389 |
| Net increase in loans receivable | 83,891 |
| Proceeds from the sale of loans receivable | 7,100 |
| Purchases of investment securities held-to-maturity | 4,391 |
| Purchases of investment securities available-for-sale | 6,915 |
| Proceeds from maturities of investment securities held-to-maturity | 11,500 |
| Principal repayments on investment securities held-to-maturity | 5,436 |
| Principal repayments on investment securities available-for-sale | 1,770 |
| Redemption of bank owned life insurance | 4,977 |
| Purchases of premises and equipment, net | 574 |
| Proceeds from the sale of other real estate owned | -1,788 |
| Purchase of federal home loan bank stock | 2,933 |
| Redemption of federal home loan bank stock | 1,883 |
| Net cash used in investing activities | -64,250 |
| Net increase in deposits | 17,633 |
| Net (decrease) increase in escrowed funds | -101 |
| Proceeds from long-term advances | 23,986 |
| Repayments of long-term advances | 3,500 |
| Dividends paid on common stock | 1,823 |
| Purchase of treasury stock | 844 |
| Net cash provided by financing activities | 35,351 |
| Net decrease in cash and cash equivalents | -18,510 |
| Cash and cash equivalents at beginning of period | 25,596 |
| Cash and cash equivalents at end of period | 7,086 |
Magyar Bancorp, Inc. (MGYR)
Magyar Bancorp, Inc. (MGYR)