PBBK: the cash flow

MyFinsight

For the quarter ending 2025-09-30, PBBK had -$626K decrease in cash & cash equivalents over the period. $755K in free cash flow.

Cash Flow	2025-09-30	2025-06-30
Net income	519	1,113
Provision for loans	0	-
Provision for unfunded commitments	-5	-
Provision for credit losses	-5	101
Depreciation and amortization	109	222
Net accretion of securities premiums and discounts	68	159
Deferred income tax benefit	-71	-103
(gain) loss on equity securities	8	15
Accretion of deferred fees, net	20	3
Earnings on bank owned life insurance	57	112
Stock-based compensation expense	138	278
Increase in accrued interest receivable and other assets	-268	610
Decrease in accrued expenses and other liabilities	-26	352
Net cash provided by operating activities	779	1,064
Purchases	0	6,557
Maturities, calls, and principal repayments	5,925	21,783
Dividends on equity securities reinvested	6	13
(purchase) redemption of restricted stocks	-72	103
Net increase in loans receivable	-1,301	8,598
Purchases of premises and equipment	24	103
Net cash provided by investing activities	7,268	6,409
Net increase in deposits	-8,382	9,231
Repurchased common stock	0	0
Issuance of common stock	0	3
Advances of borrowings	0	5,000
Repayments of borrowings	291	3,578
Net cash provided by financing activities	-8,673	10,656
Increase in cash and cash equivalents	-626	18,129
Cash and cash equivalents at beginning of period	37,777	-
Cash and cash equivalents at end of period	55,280	-

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.