Harleysville Financial Cash Flow Statement

Financials in millions USD. Fiscal year is October - September.

Millions USD. Fiscal year is Oct - Sep.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Net Income	9.53	8.86	12.22	8.79	7.28
Depreciation & Amortization	0.53	0.52	0.48	0.62	0.68
Gain (Loss) on Sale of Investments	-	-	-	0.46	10.89
Provision for Credit Losses	0.15	0.07	-	0.28	0.39
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-	-	-	-11.1
Accrued Interest Receivable	-0.37	-0.26	-0.32	-0.25	0.75
Change in Other Net Operating Assets	0.28	-1.22	-0.72	0.85	-0.06
Other Operating Activities	-0.57	-0.22	-0.26	0.06	0.64
Operating Cash Flow	9.87	8.09	11.88	11.03	9.19
Operating Cash Flow Growth	22.09%	-31.96%	7.72%	20.11%	6.30%
Capital Expenditures	-0.4	-0.36	-0.42	-0.11	-0.14
Investment in Securities	-34.02	25.27	19.14	-73.02	-10.94
Net Decrease (Increase) in Loans Originated / Sold - Investing	-29.28	-45.34	-71.81	-17.79	60.59
Other Investing Activities	-2.01	-0.36	-2.1	0.53	0.88
Investing Cash Flow	-65.7	-20.78	-55.19	-90.39	50.4
Short-Term Debt Issued	26.09	-	37.33	-	-
Long-Term Debt Issued	60	27	35	-	-
Total Debt Issued	86.09	27	72.33	-	-
Short-Term Debt Repaid	-	-6.86	-	-3.7	-2.87
Long-Term Debt Repaid	-32.96	-15.91	-36.15	-12	-29.26
Total Debt Repaid	-32.96	-22.77	-36.15	-15.7	-32.13
Net Debt Issued (Repaid)	53.13	4.23	36.19	-15.7	-32.13
Issuance of Common Stock	0.08	0.82	0.92	0.24	0.19
Repurchase of Common Stock	-1.24	-1.84	-2.27	-0.82	-1.28
Common Dividends Paid	-4.71	-8.87	-8.72	-4.29	-4.17
Net Increase (Decrease) in Deposit Accounts	6.62	17.62	-108.12	29.95	68.21
Other Financing Activities	0.69	0.07	0.2	-0.07	0.13
Financing Cash Flow	54.57	12.02	-81.8	9.31	30.95
Net Cash Flow	-1.26	-0.68	-125.11	-70.04	90.53
Free Cash Flow	9.47	7.73	11.46	10.92	9.05
Free Cash Flow Growth	22.59%	-32.58%	4.98%	20.66%	8.46%
Free Cash Flow Margin	32.06%	27.76%	34.67%	40.63%	35.79%
Free Cash Flow Per Share	2.60	2.12	3.08	2.91	2.39
Cash Interest Paid	13.83	12.37	3.62	3.18	4.9
Cash Income Tax Paid	3.36	3.15	4.6	1.72	2.64

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.