OPHC: the cash flow

MyFinsight

For the year ending 2025-12-31, OPHC had $20,929K increase in cash & cash equivalents over the period. $16,945K in free cash flow.

Cash Flow	2025-12-31
Net income	16,648
Credit loss expense	2,036
Write-down of other real estate owned	54
Depreciation and amortization	468
Deferred income tax (benefit) expense	-462
Net accretion of fees, premiums and discounts	-168
Stock-based compensation expense	875
Increase in accrued interest receivable	273
Amortization of right-of-use asset	416
Net decrease in operating lease liabilities	-383
Increase in other assets	1,767
Increase in other liabilities	397
Net cash provided by operating activities	17,841
Principal repayments of debt securities available for sale	1,236
Principal repayments of debt securities held-to-maturity	67
Net increase in loans	154,642
Purchases of premises and equipment	896
Purchase of debt securities available for sale	2,350
Purchases (redemption) of fhlb stock	99
Net cash used in investing activities	-156,684
Net increase in deposits	159,555
Proceeds from sale of common stock (net of offering costs of 34 and 576)	217
Net cash provided by financing activities	159,772
Net increase in cash and cash equivalents	20,929
Cash and cash equivalents at beginning of the year	93,630
Cash and cash equivalents at end of the year	114,559

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