For the quarter ending 2025-12-31, SRBK had $23,537K increase in cash & cash equivalents over the period. $3,098K in free cash flow.
| Cash Flow | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income | 834 | 693 | 5,136 |
| Provision (credit) for credit losses | 50 | 171 | 133 |
| Depreciation | 255 | 218 | 910 |
| Deferred income tax benefit | -51 | 72 | -298 |
| Accretion of acquisition fair value adjustments, net | -501 | -618 | -4,257 |
| Amortization of core deposit intangible asset | 299 | 315 | 1,433 |
| Net amortization of premiums and discounts on securities | -38 | -42 | -731 |
| Net amortization of deferred loan fees, costs and discounts | -117 | -50 | -269 |
| Amortization of right to use asset | - | - | 0 |
| Income from cash surrender value of bank owned life insurance | 268 | 265 | 1,043 |
| Stock-based compensation expense | 505 | 497 | 1,106 |
| Unrealized loss (gain) on equity securities | -2 | -2 | 13 |
| Loss on sale of investments, net | - | - | 0 |
| Gain on sale of loans held for sale | 17 | 0 | 51 |
| Proceeds from sales of loans held for sale | 2,854 | 0 | 575 |
| Originations of loans held for sale | 2,837 | 0 | 524 |
| Gain on sale of premises and equipment | - | - | 0 |
| Noncash expense of common shares contributed to somerset regal bank charitable foundation | - | - | 0 |
| Accrued interest receivable | 42 | 87 | 555 |
| Other assets | -2,803 | -470 | -2,316 |
| Increase in other liabilities | -449 | -338 | -1,203 |
| Net cash provided by operating activities | 3,592 | 1,222 | 4,665 |
| Proceeds from sales, maturities, and principal repayments of securities available-for-sale | - | - | 0 |
| Proceeds from maturities, calls and principal repayments of securities held-to-maturity | 3,390 | 3,570 | 14,001 |
| Proceeds from sale of securities available-for-sale | - | - | 0 |
| Proceeds from sale of time deposits in other financial institutions | - | - | 0 |
| Purchase of securities held-to-maturity | 6,000 | - | - |
| Net increase in loans receivable | 8,647 | 28,793 | 61,324 |
| Purchase of premises and equipment | 494 | 76 | 433 |
| Proceeds from sale of premises and equipment | - | - | 0 |
| Purchase of restricted equity securities | - | - | 2,727 |
| Cash paid for acquistion | - | - | 0 |
| Cash received from acquisition | - | - | 0 |
| Purchase of restricted equity securities | 675 | 225 | - |
| Net cash used in investing activities | -12,426 | -25,524 | -50,483 |
| Net increase in interest bearing deposits | 17,116 | 20,764 | 32,712 |
| Net increase (decrease) in non-interest bearing deposits | 4,797 | 2,811 | 6,081 |
| Net decrease in advance payments by borrowers for taxes and insurance | -10 | -392 | 663 |
| Net increase in short-term borrowings | 15,000 | 5,000 | 30,000 |
| Repayment of short-term borrowings | - | - | 0 |
| Dividends paid | 406 | 429 | 444 |
| Cash proceeds from issuance of common stock | - | - | 0 |
| Repurchase of common stock | 4,126 | 2,926 | 11,324 |
| Net cash provided by financing activities | 32,371 | 24,828 | 57,688 |
| Net increase in cash and cash equivalents | 23,537 | 526 | 11,870 |
| Cash and cash equivalents at beginning of period | 58,305 | 57,779 | 45,909 |
| Cash and cash equivalents at end of period | 81,842 | 58,305 | 57,779 |
SR Bancorp, Inc. (SRBK)
SR Bancorp, Inc. (SRBK)