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Cash Flow Overview

Change in Cash
$18,858K
Free Cash flow
$16,729K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Increase in deposits, net
    • Proceeds from issuance of common...
    • Proceeds from sale of loans held...
    • Others
Negative Cash Flow Breakdown
    • Increase in loans, net
    • Loans originated and held for sa...
    • Payments To Acquire Available Fo...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
11,195
9,887
9,857
8,662
Provision for credit losses
1,025
1,300
650
850
Depreciation and other amortization
956
945
988
1,022
Accretion and amortization of securities discounts and premium, net
71
104
-94
-115
Loss on sale of investment securities available for sale
-
-
-515
-
Net change in operating leases
135
135
18
21
Gain on sale of real estate owned
41
-38
-
-
Stock-based compensation expense
702
623
591
539
Gain on sale of loans held for sale
1,593
1,323
1,786
1,739
Loans originated and held for sale
50,440
51,956
62,573
52,131
Proceeds from sale of loans held for sale
57,162
51,125
59,696
57,703
Increase in cash surrender value of bank owned life insurance
456
446
451
438
Decrease in deferred tax asset
-
-1
1,304
-
(increase) decrease in other assets
-330
886
879
-305
Increase in other liabilities
-858
1,434
-7,503
-422
Net cash provided by operating activities
18,045
10,773
-2,086
14,486
Increase in loans, net
89,283
97,622
56,172
42,166
Purchase of property and equipment
1,316
280
272
88
Payments To Acquire Available For Sale Securities Debt
22,994
2,477
29,237
3,220
Other investments
107
314
-3
552
Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
2,259
5,567
4,068
2,429
Proceeds from the sale of real estate acquired in settlement of loans
292
237
29,101
-
Net cash used for investing activities
-111,149
-94,889
-52,509
-43,205
Increase in deposits, net
61,997
156,652
40,386
40,088
Repayment of subordinated debentures
11,500
-
-
-
Proceeds from issuance of common stock
61,275
-
-
-
Proceeds from the exercise of stock options
239
1,299
945
581
Restricted shares withheld for taxes
49
642
56
79
Net cash provided by financing activities
111,962
157,309
41,275
40,590
Net increase in cash and cash equivalents
18,858
73,193
-13,320
11,871
Cash and cash equivalents at beginning of the period
342,776
269,583
282,903
162,863
Cash and cash equivalents at end of the period
361,634
342,776
269,583
282,903
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

Increase in deposits, net$61,997K (-69.09%↓ Y/Y)Proceeds from issuance ofcommon stock$61,275K Proceeds from sale ofloans held for sale$57,162K (-42.47%↓ Y/Y)Proceeds from theexercise of stock options$239K (-53.68%↓ Y/Y)Net income$11,195K (-5.50%↓ Y/Y)Provision for creditlosses$1,025K (-29.31%↓ Y/Y)Depreciation and otheramortization$956K (-58.38%↓ Y/Y)Stock-based compensationexpense$702K (-38.53%↓ Y/Y)(increase) decrease inother assets-$330K (86.53%↑ Y/Y)Net change inoperating leases$135K (181.25%↑ Y/Y)Net cash provided byfinancing activities$111,962K (-44.22%↓ Y/Y)Net cash provided byoperating activities$18,045K (-0.07%↓ Y/Y)Canceled cashflow$11,549K Canceled cashflow$53,459K Net increase in cashand cash...$18,858K (-82.57%↓ Y/Y)Canceled cashflow$111,149K Repayment of subordinateddebentures$11,500K Restricted shares withheldfor taxes$49K (-86.00%↓ Y/Y)Proceeds From MaturitiesPrepayments And Calls Of...$2,259K (-58.14%↓ Y/Y)Proceeds from the sale ofreal estate acquired...$292K Loans originated andheld for sale$50,440K (-50.89%↓ Y/Y)Gain on sale of loansheld for sale$1,593K (-43.37%↓ Y/Y)Increase in otherliabilities-$858K (-115.35%↓ Y/Y)Increase in cashsurrender value of bank...$456K (-44.12%↓ Y/Y)Accretion andamortization of securities...$71K (132.13%↑ Y/Y)Gain on sale of realestate owned$41K Net cash used forinvesting activities-$111,149K (-0.48%↓ Y/Y)Canceled cashflow$2,551K Increase in loans, net$89,283K (-22.62%↓ Y/Y)Payments To AcquireAvailable For Sale...$22,994K Purchase of property andequipment$1,316K (495.48%↑ Y/Y)Other investments$107K (345.83%↑ Y/Y)

SOUTHERN FIRST BANCSHARES INC (SFST)

SOUTHERN FIRST BANCSHARES INC (SFST)