Winchester Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	FY 2025	FY 2024	FY 2023
Period Ending	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023
Net Income	-0.87	0.79	4.16
Depreciation & Amortization	0.85	0.75	0.64
Gain (Loss) on Sale of Assets	-	-0.31	-3.33
Gain (Loss) on Sale of Investments	-0.01	0.07	0.48
Provision for Credit Losses	2.07	0.51	1.4
Accrued Interest Receivable	-0.16	-0.91	-0.61
Change in Other Net Operating Assets	0.54	-0.07	-1.75
Other Operating Activities	-1.79	-0.59	-0.55
Operating Cash Flow	2.47	0.23	0.44
Operating Cash Flow Growth	967.10%	-47.14%	-
Capital Expenditures	-0.28	-1.32	-
Sale of Property, Plant and Equipment	-	-	4.3
Investment in Securities	-14.68	-14.7	3.23
Net Decrease (Increase) in Loans Originated / Sold - Investing	-71.25	-83.37	-120.02
Other Investing Activities	-0.52	-5.79	-9.26
Investing Cash Flow	-86.73	-105.18	-121.75
Short-Term Debt Issued	13.53	-	19.7
Long-Term Debt Issued	17	190	112
Total Debt Issued	30.53	190	131.7
Short-Term Debt Repaid	-	-3.23	-
Long-Term Debt Repaid	-13	-149	-48
Total Debt Repaid	-13	-152.23	-48
Net Debt Issued (Repaid)	17.53	37.77	83.7
Issuance of Common Stock	37.81	-	-
Repurchase of Common Stock	-3.35	-	-
Net Increase (Decrease) in Deposit Accounts	43.79	59.03	26.66
Other Financing Activities	-0.39	0.08	-0.04
Financing Cash Flow	95.39	96.89	110.31
Net Cash Flow	11.13	-8.06	-11
Free Cash Flow	2.18	-1.09	0.44
Free Cash Flow Margin	12.65%	-6.94%	2.12%
Free Cash Flow Per Share	0.24	-	-
Cash Interest Paid	25.58	20.16	6.59
Cash Income Tax Paid	-0.44	-0.48	2.5

Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q