ESSA Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Oct - Sep.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar '25 Mar 31, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021	Sep '20 Sep 30, 2020
Net Income	14.78	16.99	18.58	20.07	16.42	14.42
Depreciation & Amortization	1.89	2.11	2.12	2.18	2.19	2.21
Gain (Loss) on Sale of Assets	-	0.1	0.23	-0.23	-0.69	-0.01
Gain (Loss) on Sale of Investments	-0.44	-2.21	-1.27	-0.38	-1.79	-1.15
Provision for Credit Losses	-1.12	-1.36	0.7	-	2.7	3.28
Net Decrease (Increase) in Loans Originated / Sold - Operating	1.11	0.63	-0.08	0.62	2	1.47
Accrued Interest Receivable	0.84	-0.21	-3.28	-1.15	1.37	-0.7
Change in Other Net Operating Assets	-0.51	-0.36	-0.31	-0.41	-0.48	-0.59
Other Operating Activities	-1.86	-2.53	-2	0.78	-0.73	1.78
Operating Cash Flow	13.37	13.43	20.86	22.71	19.38	19.75
Operating Cash Flow Growth	-29.09%	-35.63%	-8.13%	17.20%	-1.89%	8.57%
Capital Expenditures	-0.71	-0.22	-0.96	-0.57	-0.4	-1.04
Sale of Property, Plant and Equipment	-0.15	-	-	-	-	-
Investment in Securities	16.69	137.28	-124.2	-24.7	-51.74	105.27
Net Decrease (Increase) in Loans Originated / Sold - Investing	-45.67	-59.2	-248.5	-93.59	76.45	-93.31
Other Investing Activities	5.99	-0.85	-3.46	-9.27	7.48	4.52
Investing Cash Flow	-23.86	77.02	-377.12	-128.13	31.79	15.43
Short-Term Debt Issued	-	-	143.84	230.81	-	4.01
Long-Term Debt Issued	-	10	-	-	-	55.66
Total Debt Issued	-93.27	10	143.84	230.81	-	59.67
Short-Term Debt Repaid	-	-94.65	-	-	-111.71	-
Long-Term Debt Repaid	-	-	-	-	-14.16	-182.08
Total Debt Repaid	-183.91	-94.65	-	-	-125.88	-182.08
Net Debt Issued (Repaid)	-277.18	-84.65	143.84	230.81	-125.88	-122.41
Repurchase of Common Stock	-	-5.06	-	-1.88	-7.08	-6.57
Common Dividends Paid	-5.88	-5.91	-5.86	-5.27	-4.69	-4.56
Net Increase (Decrease) in Deposit Accounts	243.45	-31.97	281	-256.09	92.42	200.87
Other Financing Activities	0.46	0.32	-5.25	6.85	-2.91	1.16
Financing Cash Flow	-39.14	-127.27	413.73	-25.59	-48.14	68.49
Net Cash Flow	-49.64	-36.82	57.47	-131.01	3.03	103.68
Free Cash Flow	12.66	13.21	19.91	22.14	18.97	18.71
Free Cash Flow Growth	-31.80%	-33.66%	-10.08%	16.66%	1.42%	7.76%
Free Cash Flow Margin	19.08%	19.47%	28.95%	32.42%	30.76%	32.15%
Free Cash Flow Per Share	1.33	1.39	2.05	2.27	1.91	1.81
Cash Interest Paid	49.22	45.9	18.95	2.89	6.38	16.51
Cash Income Tax Paid	1.8	3.26	3.6	3.45	-	0.01

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

SEC Filings: 10-K · 10-Q