OPHC: the cashflow

MyFinsight

For the quarter ending 2025-09-30, OPHC had $53,332K increase in cash & cash equivalents over the period. $1,909K in free cash flow.

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

Cash Flow	2025-09-30	2025-06-30
Net earnings	4,323	7,472
Credit loss expense	763	875
Depreciation and amortization	124	217
Deferred income tax benefit	-348	-191
Net accretion of fees, premiums and discounts	39	-65
Stock-based compensation expense	579	296
Decrease (increase) in accrued interest receivable	33	-210
Amortization of right-of-use lease assets	104	127
Net decrease in operating lease liabilities	-92	-113
Increase in other assets	990	1,033
(decrease) increase in other liabilities	-2,554	1,497
Net cash provided by operating activities	1,915	9,292
Principal repayments of debt securities available for sale	318	556
Principal repayments of debt securities held-to-maturity	13	22
Net increase in loans	-29,516	19,663
Purchases of premises and equipment	6	581
Redemption of fhlb stock	0	-2,271
Net cash used in investing activities	-29,191	21,931
Net increase in deposits	80,622	106,670
Proceeds from sale of preferred stock (net of offering costs of 118)	-	0
Net decrease in fhlb advances	0	-50,000
Net decrease in frb advances	-	0
Proceeds from sale of common stock (net of offering costs of 35 and 418)	-14	231
Net cash provided by financing activities	80,608	56,901
Net increase in cash and cash equivalents	53,332	88,124
Cash and cash equivalents at beginning of period	93,630	-
Cash and cash equivalents at end of period	235,086	-

Unit: Thousand (K) dollars