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Cash Flow Overview

Change in Cash
-$58,834K
Free Cash flow
$4,849K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net increase (decrease) in inter...
    • Net (decrease) increase in non-i...
    • Net income
    • Others
Negative Cash Flow Breakdown
    • Net change in loan portfolio
    • Repurchases of common stock
    • Other assets
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
4,668
4,100
4,053
4,517
Depreciation, amortization, and accretion, net
1,244
959
1,101
1,103
Amortization of right-of-use assets
129
128
160
94
Amortization of intangible assets
-
-
0
-
Deferred income tax expense (benefit)
30
159
-840
410
Gain on retirement of subordinated debt
0
0
0
145
Loss on securities called
-
-
-
0
Loss on new market tax credit investment operations
-
-
0
-
Loss on sale of other real estate owned
0
-685
-
-
Loss on disposal of premises and equipment
-2
-2
18
35
Realized loss on securities called or matured
-
-
0
-
Provision for credit losses, net
585
-131
328
145
Stock-based compensation expense
614
599
701
642
Income from bank owned life insurance
325
319
319
316
Subordinated debt amortization expense
65
99
99
99
Impairment of intangible assets, finite-lived
-
-
0
-
Accrued interest receivable and other receivables
1,122
-1,065
896
-1,401
Other assets
1,298
-535
-2,857
-3,656
Other liabilities
353
-1,278
-649
-5,982
Net cash provided by operating activities
4,945
6,603
6,577
5,589
Payments, available-for-sale securities
633
412
898
738
Calls
-
-
-
500
Maturities, sales, called, refunded
0
250
1,500
-
Purchases, available-for-sale securities
250
0
765
2,132
Maturities, called, refunded
0
0
1,500
540
Purchases
0
-
1,015
0
Purchases of equity securities
0
0
0
0
Purchases of restricted investment in bank stock
0
0
0
0
Redemption of restricted investment in bank stock
0
7
0
0
Net change in loan portfolio
77,654
10,222
55,762
20,746
Proceeds from sale of loans
0
-
0
0
Proceeds from sale of other real estate owned
194
1,012
-
-
Proceeds from sale of premises and equipment
56
-
18
35
Purchase of premises and equipment, including property held for sale
96
101
159
138
Computer software developed
-
-
0
0
Net cash (used in) provided by investing activities
-77,117
-8,642
-54,285
-21,203
Net (decrease) increase in non-interest bearing demand deposits
4,770
-19,581
53,977
-5,328
Net increase (decrease) in interest-bearing demand, savings, now, money market and time deposits
14,810
35,122
34,372
17,616
Net decrease in federal home loan bank advances
-
-
0
-
Net increase (decrease) in federal funds purchased
-
-
0
0
Net decrease in subordinated debt
0
0
0
1,355
Cash dividends paid on preferred stock
539
539
539
539
Cash dividends paid on common stock
712
758
750
770
Repurchase of common stock for tax withholding on stock-based compensation
5
766
-
-
Repurchases of common stock
4,986
6,080
3,890
0
Net cash provided by (used in) financing activities
13,338
7,398
83,170
9,624
Decrease in cash and cash equivalents
-58,834
5,359
35,462
-5,990
Cash and cash equivalents, beginning of period
168,115
162,756
127,294
207,708
Cash and cash equivalents, end of period
109,281
168,115
162,756
127,294
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

Net increase(decrease) in...$14,810K (112.88%↑ Y/Y)Net income$4,668K (-33.72%↓ Y/Y)Depreciation, amortization,and accretion, net$1,244K (-43.25%↓ Y/Y)Net (decrease)increase in non-interest...$4,770K (-16.87%↓ Y/Y)Stock-based compensationexpense$614K (-50.60%↓ Y/Y)Provision for creditlosses, net$585K (207.73%↑ Y/Y)Other liabilities$353K (104.56%↑ Y/Y)Amortization of right-of-useassets$129K (-55.52%↓ Y/Y)Subordinated debtamortization expense$65K (-67.34%↓ Y/Y)Deferred income taxexpense (benefit)$30K (114.15%↑ Y/Y)Loss on disposal ofpremises and equipment-$2K Net cash provided by(used in) financing...$13,338K (111.68%↑ Y/Y)Net cash provided byoperating activities$4,945K (86.96%↑ Y/Y)Canceled cashflow$6,242K Canceled cashflow$2,745K Decrease in cash and cashequivalents-$58,834K (20.95%↑ Y/Y)Canceled cashflow$18,283K Payments,available-for-sale securities$633K (-51.12%↓ Y/Y)Proceeds from sale ofother real estate...$194K Proceeds from sale ofpremises and equipment$56K Repurchases of common stock$4,986K (1017.94%↑ Y/Y)Cash dividends paidon common stock$712K (-53.46%↓ Y/Y)Cash dividends paidon preferred stock$539K (-50.00%↓ Y/Y)Repurchase of common stockfor tax withholding...$5K Other assets$1,298K (128.12%↑ Y/Y)Accrued interestreceivable and other...$1,122K (-69.77%↓ Y/Y)Income from bank ownedlife insurance$325K (-46.72%↓ Y/Y)Net cash (used in)provided by investing...-$77,117K (-307.84%↓ Y/Y)Canceled cashflow$883K Net change in loanportfolio$77,654K (315.89%↑ Y/Y)Purchases,available-for-sale securities$250K (-83.37%↓ Y/Y)Purchase of premises andequipment, including...$96K (-97.52%↓ Y/Y)

MainStreet Bancshares, Inc. (MNSBP)

MainStreet Bancshares, Inc. (MNSBP)