Northeast Bank Cash Flow Statement

Financials in millions USD. Fiscal year is July - June.

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '19 Mar 31, 2019	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Net Income	18.83	83.44	58.23	44.19	42.16	71.5
Depreciation & Amortization	1.76	3.15	3.06	3.21	2.6	2.6
Provision for Credit Losses	1.3	8.74	1.77	-2.3	-2.46	-1.4
Stock-Based Compensation	1.23	6.78	5.3	3.43	1.87	0.98
Net Change in Loans Held-for-Sale	9.97	21.93	-6.79	1.22	-0.1	-5.81
Other Adjustments	-8.59	-86.09	-48.22	-15.56	-9.46	-57.52
Changes in Other Operating Activities	4.64	18.62	-9.06	21.32	-4.11	-2.02
Operating Cash Flow	25.39	54.13	2.56	60.11	30.5	8.34
Operating Cash Flow Growth	-24.34%	2013.51%	-95.74%	97.09%	265.72%	-48.86%
Net Change in Loans Held-for-Investment	-141.44	-954.83	-170.04	-1,207	-252.55	22.29
Net Change in Securities and Investments	-27.23	34.04	5.23	1.14	3.09	4.1
Capital Expenditures	-0.34	-0.71	-2.45	-2.46	-1.06	-1.26
Other Investing Activities	-	1.66	9.01	-22.97	1.57	1.98
Investing Cash Flow	-134.01	-919.85	-158.25	-1,230	-248.95	27.46
Net Change in Deposits	40.34	1,036	402.26	649.51	-574.74	850.08
Short-Term Debt Issued	-	-25	-217.43	547.62	-	-12.44
Net Short-Term Debt Issued (Repaid)	-	-25	-217.43	547.62	-	-12.44
Long-Term Debt Repaid	-0.28	-1.21	-1.67	-1.55	-16.66	-1.37
Net Long-Term Debt Issued (Repaid)	-0.28	-1.21	-1.67	-1.55	-16.66	-1.37
Issuance of Common Stock	-0.16	-	-	-1.49	-0.05	0.97
Repurchase of Common Stock	-0.15	27.59	17.08	2.38	-28.2	-5.87
Net Common Stock Issued (Repurchased)	-0.31	27.59	17.08	0.89	-28.25	-4.91
Common Dividends Paid	-0.36	-0.34	-0.31	-0.3	-0.32	-0.33
Financing Cash Flow	39.4	1,037	199.94	1,196	-619.96	831.03
Net Cash Flow	-69.21	171.46	44.25	25.83	-838.41	866.83
Beginning Cash & Cash Equivalents	222.07	242.16	197.91	172.08	1,010	143.66
Ending Cash & Cash Equivalents	152.85	413.62	242.16	197.91	172.08	1,010
Free Cash Flow	25.05	53.42	0.11	57.64	29.44	7.08
Free Cash Flow Growth	-53.11%	48026.13%	-99.81%	95.80%	316.13%	-53.31%
FCF Margin	38.50%	26.18%	0.07%	45.62%	26.68%	5.04%
Free Cash Flow Per Share	2.73	-	-	-	-	-
Levered Free Cash Flow	24.6	78.29	-169.3	616.93	22.94	57.02
Unlevered Free Cash Flow	6.05	21.06	-8.44	22.07	-2.57	-0.68

Updated Nov 6, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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