Northeast Bank (NBN)

Northeast Bank Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Net Income	83.44	58.23	44.19	42.16	71.5
Depreciation & Amortization	3.15	3.06	3.21	2.6	2.6
Provision for Credit Losses	8.74	1.77	2.3	-2.46	-1.4
Stock-Based Compensation	6.78	5.3	3.43	1.87	0.98
Net Change in Loans Held-for-Sale	21.93	-6.79	1.22	-0.1	-5.81
Other Adjustments	-88.53	-48.22	-15.56	-9.46	-57.52
Changes in Other Operating Activities	18.62	-10.8	21.32	-4.11	-2.02
Operating Cash Flow	54.13	2.56	60.11	30.5	8.34
Operating Cash Flow Growth	2013.51%	-95.74%	97.09%	265.72%	-48.86%
Net Change in Loans Held-for-Investment	-954.83	-170.04	-1,206	-252.55	22.29
Net Change in Securities and Investments	34.04	5.23	1.14	3.09	4.1
Capital Expenditures	-0.71	-2.45	-2.46	-1.06	-1.26
Other Investing Activities	1.66	9.01	-22.97	1.57	2.34
Investing Cash Flow	-919.85	-158.25	-1,230	-248.95	27.46
Net Change in Deposits	1,036	402.26	649.51	-574.74	850.08
Short-Term Debt Issued	-	-311	296	-	-12.44
Net Short-Term Debt Issued (Repaid)	-	-311	296	-	-12.44
Long-Term Debt Issued	-	116	260	-	-
Long-Term Debt Repaid	-26.21	-24.09	-9.93	-16.66	-1.37
Net Long-Term Debt Issued (Repaid)	-26.21	91.91	250.07	-16.66	-1.37
Issuance of Common Stock	31.25	18.24	6.51	-0.05	0.97
Repurchase of Common Stock	-3.67	-1.16	-5.61	-28.2	-5.87
Net Common Stock Issued (Repurchased)	27.59	17.08	0.89	-28.25	-4.91
Common Dividends Paid	-0.34	-0.31	-0.3	-0.32	-0.33
Financing Cash Flow	1,037	199.94	1,196	-619.96	831.03
Net Cash Flow	171.46	44.25	25.83	-838.41	866.83
Free Cash Flow	53.42	0.11	57.64	29.44	7.08
Free Cash Flow Growth	48026.13%	-99.81%	95.80%	316.13%	-53.31%
FCF Margin	29.89%	0.08%	48.43%	27.13%	5.12%
Free Cash Flow Per Share	6.45	0.01	7.78	3.73	0.85
Levered Free Cash Flow	52.92	-176.7	609.6	21.11	54.74
Unlevered Free Cash Flow	21.06	-10.18	22.07	-2.57	-0.68

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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