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Cash Flow Overview

Change in Cash
-$16,295K
Free Cash flow
$22,402K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net increase in borrowings with ...
    • Maturities, repayments and calls...
    • Net income
    • Others
Negative Cash Flow Breakdown
    • Net (increase) decrease in loans
    • Payments on subordinated notes
    • Purchases of afs securities
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
21,158
21,809
21,491
21,865
Net discount accretion
3,861
5,457
5,790
5,652
Depreciation and amortization expense
3,479
3,547
3,649
3,730
Provision for (recovery of) credit losses - loans
338
728
75
396
Recovery of credit losses - unfunded loan commitments
0
-376
0
0
Share-based compensation
1,776
1,540
1,037
1,332
Gains on sales of loans originated for sale
246
183
446
284
Fair value adjustments on loans held for sale
-16
89
34
-4
Mortgage loans originated for sale
12,865
10,054
18,568
12,231
Proceeds from sales of loans originated for sale
12,854
12,872
18,916
11,699
Net gain on oreo and premises held for sale
0
0
0
0
Gain on disposal of premises and equipment
0
-
-26
-11
Deferred income tax expense
621
-2,612
647
-538
Investment securities gains
57
-2
95
50
Provision for legal settlement
-
-
0
-
Payment of legal settlement
478
-
-
-
Net (gains) losses on derivatives
158
-27
71
50
Gain on derivative terminations
-
-
-
0
Income from life insurance
1,376
3,761
1,331
1,471
Premium on branch sale
-
-
0
-
Decrease in accrued interest receivable and other assets
-2,717
-1,042
2,519
-4,307
Increase (decrease) in accrued interest payable and other liabilities
-40
737
342
-1,627
Other, net
-344
-363
-386
-306
Net cash provided by operating activities
22,948
25,537
16,489
22,815
Proceeds from sales of afs securities
-
-
42,229
41,647
Maturities, repayments and calls of afs securities
29,522
23,389
24,751
21,132
Purchases of afs securities
28,474
23,051
124,946
57,670
Net cash and cash equivalents received from acquisitions
-
-
0
0
Net purchases of restricted investments in bank stocks
3,445
-2,733
2,606
2,907
Net (increase) decrease in loans
48,690
38,509
36,797
43,360
Proceeds from sales of portfolio loans
-
-
0
0
Investment in limited partnerships, net
-
-
1,538
-
Investment in limited partnerships
-28
-359
-
226
Purchases of bank premises and equipment
546
422
624
506
Proceeds from disposal of oreo and premises held for sale
0
0
0
0
Proceeds from disposal of premises and equipment
0
-
0
0
Net cash paid in branch sale
-
-
0
-
Purchases of bank owned life insurance
814
-
0
0
Death benefit proceeds from life insurance contracts
0
4,427
0
864
Other
0
-
0
0
Net cash used in investing activities
-52,419
-32,359
-98,246
-41,026
Net increase (decrease) in deposits
-7,501
98,650
-4,873
16,791
Net increase in borrowings with original maturities less than 90 days
131,421
-48,269
-57,459
55,354
Proceeds from fhlb advances with original maturities greater than 90 days
-
95,000
115,000
20,000
Payments on fhlb advances with original maturities greater than 90 days
-20,000
120,000
0
0
Settlement of terminated derivatives
-1,635
-
-
-
Payments on subordinated notes
31,000
-
0
32,500
Dividends paid
5,893
5,857
5,265
5,262
Acquisition of treasury stock
0
429
169
29
Shares repurchased as treasury stock for employee taxes associated with restricted stock vesting
515
970
8
1,523
Proceeds from issuance of employee stock purchase plan shares
0
75
0
85
Other
29
-16
159
64
Net cash provided by (used in) financing activities
13,176
18,184
47,385
52,980
Net decrease in cash and cash equivalents
-16,295
11,362
-34,372
34,769
Cash and cash equivalents at beginning of period
161,136
149,774
184,146
248,874
Cash and cash equivalents at end of period
144,841
161,136
149,774
184,146
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 income$21,158K (-43.58%↓ Y/Y)Proceeds from sales ofloans originated for...$12,854K (-56.87%↓ Y/Y)Net increase inborrowings with original...$131,421K (227.05%↑ Y/Y)Depreciation andamortization expense$3,479K (-55.92%↓ Y/Y)Decrease in accruedinterest receivable and...-$2,717K (25.38%↑ Y/Y)Share-based compensation$1,776K (-32.83%↓ Y/Y)Other, net-$344K (33.46%↑ Y/Y)Provision for (recoveryof) credit losses -...$338K (197.97%↑ Y/Y)Payments on fhlb advanceswith original...-$20,000K (-233.33%↓ Y/Y)Settlement of terminatedderivatives-$1,635K Other$29K (-91.67%↓ Y/Y)Net cash provided byoperating activities$22,948K (-35.23%↓ Y/Y)Net cash provided by(used in) financing...$13,176K (114.28%↑ Y/Y)Canceled cashflow$19,718K Canceled cashflow$139,909K Net decrease in cashand cash...-$16,295K (83.62%↑ Y/Y)Canceled cashflow$36,124K Maturities, repayments andcalls of afs...$29,522K (-24.94%↓ Y/Y)Investment in limitedpartnerships-$28K (-102.64%↓ Y/Y)Mortgage loansoriginated for sale$12,865K (-53.74%↓ Y/Y)Net discountaccretion$3,861K (-67.69%↓ Y/Y)Income from lifeinsurance$1,376K (-47.08%↓ Y/Y)Deferred income taxexpense$621K (110.17%↑ Y/Y)Payment of legalsettlement$478K Gains on sales of loansoriginated for sale$246K (-55.83%↓ Y/Y)Net (gains) losseson derivatives$158K (140.20%↑ Y/Y)Investment securitiesgains$57K (171.43%↑ Y/Y)Increase (decrease) inaccrued interest...-$40K (99.58%↑ Y/Y)Fair valueadjustments on loans held for...-$16K (40.74%↑ Y/Y)something is missing-$95,000K Payments on subordinatednotes$31,000K Net increase(decrease) in deposits-$7,501K (93.00%↑ Y/Y)Dividends paid$5,893K (-41.75%↓ Y/Y)Shares repurchased astreasury stock for...$515K (7.74%↑ Y/Y)Net cash used ininvesting activities-$52,419K (-22.80%↓ Y/Y)Canceled cashflow$29,550K Net (increase)decrease in loans$48,690K (559.51%↑ Y/Y)Purchases of afssecurities$28,474K (-68.24%↓ Y/Y)Net purchases ofrestricted investments in...$3,445K (254.42%↑ Y/Y)Purchases of bank ownedlife insurance$814K Purchases of bank premisesand equipment$546K (-82.42%↓ Y/Y)

ORRSTOWN FINANCIAL SERVICES INC (ORRF)

ORRSTOWN FINANCIAL SERVICES INC (ORRF)