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Cash Flow Overview

Free Cash flow
$31,283K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net change in deposits
    • Proceeds from maturities, calls ...
    • Net income
    • Others
Negative Cash Flow Breakdown
    • Loan originations and purchases,...
    • Purchases of available-for-sale ...
    • Repurchase of common shares unde...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
21,123
14,984
7,706
15,362
Net accretion of available-for-sale securities
77
55
76
18
Amortization of core deposit intangible
892
892
464
38
Provision for credit losses
3,193
6,328
-1,062
1,396
Loan hedge fair value adjustments, net
-104
19
255
-41
Change in net deferred loan origination fees
-116
-2,479
-831
-567
Mortgage loans originated for sale
-
-
1,542
3,323
Proceeds from sale of mortgage loans held for sale
-
-
817
4,151
Loans originated for sale
4,078
2,792
-
-
Write down on consumer loans transferred to held for sale
-
-
517
-
Proceeds from sale of loans held for sale
6,499
2,984
-
-
Gain on sale of mortgage loans
-
-
-52
169
Gain on sale of loans
248
17
-
-
Depreciation and amortization expense
932
901
849
751
Gain from boli death benefit
-
-
0
0
Increase in cash surrender values of boli
962
853
844
631
Deferred income tax expense (benefit)
-11
-12
3,359
-10
Esop expense
875
885
1,277
789
Stock-based compensation
1,737
1,443
1,062
1,061
Restricted stock awards cancelled
554
-
-
-
Net change in loans held for sale
-3,858
-3,622
-
-
Accrued interest receivable
1,748
1,760
-245
688
Prepaid expenses and other assets
-143
-424
1,513
-5,303
Accrued expenses and other liabilities
2,149
-1,750
-12,852
580
Accrued retirement liabilities
443
-391
15
-872
Net cash provided by operating activities
34,178
27,331
-440
24,246
Loan originations and purchases, net of repayments
217,153
241,442
116,182
176,956
Purchases of available-for-sale securities
22,689
34,070
55,942
25,381
Proceeds from sales of available-for-sale securities
-
-
23,963
-
Proceeds from maturities, calls and paydowns of available-for-sale securities
26,839
24,512
19,443
32,163
Recoveries of loans previously charged off
1,047
237
747
103
Net change in non-public investments
-1,291
-6,998
17,518
-8,764
Acquisition, net of cash and cash equivalents acquired
-
-
48,120
-
Proceeds from boli death benefit
-
-
0
0
Purchases of boli policies
0
20,000
-
-
Proceeds from surrender of boli policies
14,178
14,602
0
0
Purchases of banking premises and equipment
2,895
2,027
2,056
304
Net cash used in investing activities
-201,964
-265,186
-160,629
-179,139
Net change in deposits
222,844
243,454
152,108
297,612
Net change in mortgagors' escrow accounts
-438
-335
10
426
Repurchase of common shares under share repurchase plans
18,496
27,763
0
17,532
Dividends paid
3,131
3,206
2,787
2,788
Advances of fhlb borrowings
-
415,700
-
-
Paydowns of fhlb borrowings
-
422,234
-
-
(decrease) increase in fhlb borrowings, net
-14,988
-
123,957
-86,147
Net cash provided by financing activities
192,325
205,616
273,288
191,571
Net change in cash and cash equivalents
24,539
-32,239
112,219
36,678
Cash and cash equivalents at beginning of period
375,357
407,596
295,377
363,855
Cash and cash equivalents at end of period
400,154
375,357
407,596
295,377
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 change indeposits$222,844K (146.51%↑ Y/Y)Net income$21,123K (-22.44%↓ Y/Y)Proceeds from sale ofloans held for sale$6,499K Net change in loansheld for sale-$3,858K Provision for creditlosses$3,193K (-26.07%↓ Y/Y)Accrued expenses andother liabilities$2,149K (-36.76%↓ Y/Y)Stock-based compensation$1,737K (120.71%↑ Y/Y)Depreciation andamortization expense$932K (-34.46%↓ Y/Y)Amortization of core depositintangible$892K (1105.41%↑ Y/Y)Esop expense$875K (-41.74%↓ Y/Y)Accrued retirementliabilities$443K (118.48%↑ Y/Y)Prepaid expenses andother assets-$143K (89.27%↑ Y/Y)Change in net deferredloan origination...-$116K (-290.16%↓ Y/Y)Net cash provided byfinancing activities$192,325K (417.84%↑ Y/Y)Net cash provided byoperating activities$34,178K (-7.59%↓ Y/Y)Canceled cashflow$37,053K Canceled cashflow$7,782K Net change in cashand cash...$24,539K (123.34%↑ Y/Y)Canceled cashflow$201,964K Repurchase of common sharesunder share...$18,496K (-68.96%↓ Y/Y)(decrease) increase in fhlbborrowings, net-$14,988K (-321.55%↓ Y/Y)Dividends paid$3,131K Net change inmortgagors' escrow accounts-$438K (-1.39%↓ Y/Y)Proceeds frommaturities, calls and...$26,839K (69.13%↑ Y/Y)Proceeds from surrenderof boli policies$14,178K (-70.93%↓ Y/Y)Recoveries of loanspreviously charged off$1,047K (-25.95%↓ Y/Y)Loans originated forsale$4,078K Accrued interestreceivable$1,748K (149.36%↑ Y/Y)Increase in cashsurrender values of boli$962K (-46.35%↓ Y/Y)Restricted stock awardscancelled$554K Gain on sale of loans$248K Loan hedge fair valueadjustments, net-$104K (-40.54%↓ Y/Y)Net accretion ofavailable-for-sale securities$77K (-60.91%↓ Y/Y)Deferred income taxexpense (benefit)-$11K (42.11%↑ Y/Y)Net cash used ininvesting activities-$201,964K (-12.65%↓ Y/Y)Canceled cashflow$42,064K Loan originationsand purchases, net...$217,153K (2.04%↑ Y/Y)Purchases ofavailable-for-sale securities$22,689K (12.45%↑ Y/Y)Purchases of bankingpremises and equipment$2,895K (173.89%↑ Y/Y)Net change innon-public investments-$1,291K (88.68%↑ Y/Y)

NB Bancorp, Inc. (NBBK)

NB Bancorp, Inc. (NBBK)