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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 Overview

Change in Cash
-$18,510K
Free Cash flow
$9,815K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from long-term advances
    • Net increase in deposits
    • Proceeds from the sales of sba l...
    • Others
Negative Cash Flow Breakdown
    • Net increase in loans receivable
    • Originations of sba loans held f...
    • Purchases of investment securiti...
    • Others

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
Unit: Thousand (K) dollars (except for numbers of shares and EPS).

Time Plot

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

Cash Flow

Proceeds from long-termadvances$23,986K Net increase indeposits$17,633K Proceeds from the sales ofsba loans$13,020K Net income$9,760K Decrease in other assets-$1,062K Depreciation expense$937K Stock-based compensationexpense$621K Provision for creditlosses$402K Esop compensationexpense$187K Increase in accruedinterest payable$78K Provision for loss on otherreal estate owned$57K Net cash provided byfinancing activities$35,351K Net cash provided byoperating activities$10,389K Canceled cashflow$6,268K Canceled cashflow$15,735K Net decrease in cashand cash...-$18,510K Canceled cashflow$45,740K Proceeds from maturitiesof investment...$11,500K Proceeds from the sale ofloans receivable$7,100K Principal repayments oninvestment securities...$5,436K Redemption of bank ownedlife insurance$4,977K Redemption of federal homeloan bank stock$1,883K Proceeds from the sale ofother real estate...-$1,788K Principal repayments oninvestment securities...$1,770K Repayments of long-termadvances$3,500K Dividends paid on commonstock$1,823K Purchase of treasurystock$844K Net (decrease)increase in escrowed...-$101K Originations of sba loans heldfor sale$11,885K Gains on sale of sbaloans$1,135K Increase in accruedinterest receivable$742K Income on bank ownedlife insurance$673K Decrease in accountspayable and other...-$648K Deferred income tax(benefit) expense-$348K Gains on the sales ofother real estate...$286K (discount) premium(accretion) amortization on...$18K Net cash used ininvesting activities-$64,250K Canceled cashflow$34,454K Net increase inloans receivable$83,891K Purchases of investmentsecurities...$6,915K Purchases of investmentsecurities...$4,391K Purchase of federal homeloan bank stock$2,933K Purchases of premises andequipment, net$574K

Magyar Bancorp, Inc. (MGYR)

Magyar Bancorp, Inc. (MGYR)