URSB Bancorp, Inc. (URSB)

URSB Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Net Income	0.8	0.5	0.58	0.72
Depreciation & Amortization	0.26	0.27	0.27	0.22
Other Amortization	0.78	0.37	-0.01	-
Gain (Loss) on Sale of Investments	-0.07	0.15	0.12	0.01
Provision for Credit Losses	0.76	0.8	0.12	0.11
Accrued Interest Receivable	-0.32	-0.21	-0.14	-0.41
Change in Other Net Operating Assets	1.25	0.11	-0.46	-0.7
Other Operating Activities	-0.67	-0.45	-0.03	-0.19
Operating Cash Flow	2.87	1.54	0.44	-0.24
Operating Cash Flow Growth	173.55%	247.63%	-	-

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Capital Expenditures	-0.11	-0.02	-0.07	-0.64
Investment in Securities	-2.48	0.66	-6.26	-3.17
Net Decrease (Increase) in Loans Originated / Sold - Investing	-73.93	-53.63	-26.45	-46.06
Other Investing Activities	0.61	-0.43	-0.65	-0.92
Investing Cash Flow	-75.9	-53.42	-33.43	-50.8

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Short-Term Debt Issued	-	-	5	20.23
Long-Term Debt Issued	-	34.76	23.21	13.25
Total Debt Issued	10.75	34.76	28.21	33.48
Short-Term Debt Repaid	-	-7	-8	-
Long-Term Debt Repaid	-	-23.33	-0.5	-11.5
Total Debt Repaid	-25.41	-30.33	-8.5	-11.5
Net Debt Issued (Repaid)	-14.66	4.44	19.71	21.98
Net Increase (Decrease) in Deposit Accounts	70.38	44.87	13.92	11.61
Other Financing Activities	0.32	0.23	0.2	0.18
Financing Cash Flow	75.17	49.54	33.83	33.77

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Net Cash Flow	2.14	-2.34	0.85	-17.27

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Free Cash Flow	2.76	1.52	0.37	-0.88
Free Cash Flow Growth	173.48%	311.35%	-	-
Free Cash Flow Margin	27.99%	19.36%	4.96%	-12.19%
Free Cash Flow Per Share	1.18	0.65	-	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Cash Interest Paid	2.38	9.03	7.27	3.96
Cash Income Tax Paid	0.12	0.29	0.25	0.42

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 14, 2026

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