Northeast Bank (NBN) Cash Flow Statement
Where NBN’s cash came from and went, FY2026
June 30, 2026 · U.S. dollars- Cash from operations
- −$62.5M −215.5% vs FY2025
- Capital expenditures
- $1.4M 0.4% of revenue
- Free cash flow
- −$64.0M −16.6% margin
- Returned to shareholders
- $5.7M
- Change in cash
- $20.8M cash at year-end $434.4M
Drawn to scale: where the cash came from and how it was used. Hover for values.
NBN operating cash flow, capex and free cash flow
NBN cash flow trends, FY2017–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Operating cash flow | $34.0MFY2017 | −$62.5MFY2026 | — | |
| Capital expenditures | $695,000FY2017 | $1.4MFY2026 | +8.5%/yr | |
| Free cash flow | $33.3MFY2017 | −$64.0MFY2026 | — | |
| Free cash flow margin | 50.5%FY2017 | −16.6%FY2026 | −67.2 pts | |
| Operating cash flow / net income | 2.75FY2017 | −0.58FY2026 | −3.34 | |
| Stock-based compensation | $945,000FY2017 | $7.9MFY2026 | +26.7%/yr | |
| Dividends paid | $357,000FY2017 | $345,000FY2026 | −0.4%/yr | |
| Share buybacks (net) | $6.9MFY2017 | $5.3MFY2026 | −2.9%/yr | |
| Capex / revenue | 1.1%FY2017 | 0.4%FY2026 | −0.7 pts |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
NBN cash flow by activity
NBN net income vs operating cash flow
Operating cash flow above net income usually means earnings are backed by cash (depreciation and stock-based pay are non-cash expenses).
NBN cash flow statement
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating activities | ||||||||||
| Net income | $107.5M | $83.4M | $58.2M | $44.2M | $42.2M | $71.5M | $22.7M | $13.9M | $16.2M | $12.3M |
| Depreciation & amortization | $3.1M | $3.1M | $3.1M | $3.2M | $2.6M | $2.6M | $3.0M | $1.8M | $1.7M | $1.9M |
| Stock-based compensation | $7.9M | $6.8M | $5.3M | $3.4M | $1.9M | $978,000 | $1.1M | $1.4M | $870,000 | $945,000 |
| Change in working capital | −$28.6M | $18.6M | −$10.8M | $21.3M | −$4.1M | −$2.0M | $4.4M | $1.5M | $4.5M | $4.5M |
| Other non-cash items | −$152.4M | −$57.9M | −$53.2M | −$12.0M | −$12.0M | −$64.7M | −$14.9M | $316,000 | −$3.8M | $14.3M |
| Cash from operating activities | −$62.5M | $54.1M | $2.6M | $60.1M | $30.5M | $8.3M | $16.3M | $18.8M | $19.5M | $34.0M |
| Investing activities | ||||||||||
| Capital expenditures | −$1.4M | −$707,000 | −$2.5M | −$2.5M | −$1.1M | −$1.3M | −$1.2M | −$297,000 | −$981,000 | −$695,000 |
| Investments (net) | −$75.7M | −$919.8M | −$158.2M | −$1.23B | $3.1M | $27.5M | $1.5M | −$89.4M | −$116.3M | −$110.7M |
| Acquisitions & other investing | −$665.0M | $707,000 | $2.5M | $2.5M | −$251.0M | $1.3M | $1.2M | $297,000 | $33.6M | $17.7M |
| Cash from investing activities | −$742.2M | −$919.8M | −$158.2M | −$1.23B | −$248.9M | $27.5M | $1.5M | −$89.4M | −$83.6M | −$93.7M |
| Financing activities | ||||||||||
| Dividends paid | −$345,000 | −$335,000 | −$306,000 | −$295,000 | −$315,000 | −$331,000 | −$358,000 | −$359,000 | −$355,000 | −$357,000 |
| Share repurchases & issuance (net) | −$5.3M | −$3.7M | −$1.2M | −$5.2M | −$28.0M | −$5.7M | −$11.5M | −$138,000 | −$109,000 | −$6.9M |
| Net borrowing (repayment) | $517.0M | −$26.2M | −$219.1M | $546.1M | −$16.7M | −$13.8M | $11.1M | −$16.8M | −$5.3M | −$10.3M |
| Shares issued | $0 | $31.3M | $18.2M | $8.0M | $0 | $0 | $0 | $0 | $0 | $0 |
| Other financing | $314.2M | $1.04B | $402.3M | $647.6M | −$575.0M | $850.9M | $69.7M | −$12.6M | $64.0M | $89.4M |
| Cash from financing activities | $825.5M | $1.04B | $199.9M | $1.20B | −$620.0M | $831.0M | $68.9M | −$29.9M | $58.3M | $71.8M |
| Summary | ||||||||||
| Net change in cash | $20.8M | $171.5M | $44.2M | $25.8M | −$838.4M | $866.8M | $86.8M | −$100.5M | −$5.9M | $12.1M |
| Cash at end of period | $434.4M | $413.6M | $242.2M | $197.9M | $172.1M | $1.01B | $143.7M | $56.9M | $157.4M | $163.3M |
| Free cash flow | −$64.0M | $53.4M | $111,000 | $57.6M | $29.4M | $7.1M | $15.2M | $18.5M | $18.5M | $33.3M |
| Free cash flow margin | −16.6% | 15.2% | 0.0% | 32.0% | 26.8% | 4.8% | 16.0% | 21.5% | 25.8% | 50.5% |
| Capex / revenue | 0.4% | 0.2% | 0.9% | 1.4% | 1.0% | 0.9% | 1.2% | 0.3% | 1.4% | 1.1% |
| Operating cash flow / net income | −0.58 | 0.65 | 0.04 | 1.36 | 0.72 | 0.12 | 0.72 | 1.35 | 1.20 | 2.75 |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating activities | ||||||||||||
| Net income | $34.3M | $29.9M | $20.7M | $22.5M | $25.2M | $18.7M | $22.4M | $17.1M | $15.1M | $13.9M | $14.1M | $15.2M |
| Depreciation & amortization | $787,000 | $783,000 | $786,000 | $787,000 | $786,000 | $786,000 | $787,000 | $788,000 | $668,000 | $802,000 | $797,000 | $796,000 |
| Stock-based compensation | $2.1M | $1.9M | $1.8M | $2.1M | $1.6M | $1.6M | $1.7M | $1.8M | $1.3M | $1.2M | $1.4M | $1.4M |
| Change in working capital | −$37.5M | $9.2M | −$7.1M | $6.7M | $4.6M | $6.1M | −$914,000 | $8.8M | $8.1M | −$1.7M | −$3.8M | −$11.7M |
| Other non-cash items | −$17.1M | −$51.8M | −$72.7M | −$10.9M | $16.9M | −$34.2M | −$14.8M | −$25.8M | −$26.4M | −$8.6M | −$10.3M | −$9.8M |
| Cash from operating activities | −$17.3M | −$10.1M | −$56.4M | $21.3M | $49.2M | −$6.9M | $9.2M | $2.7M | −$1.1M | $5.6M | $2.1M | −$4.1M |
| Investing activities | ||||||||||||
| Capital expenditures | −$592,000 | −$337,000 | −$252,000 | −$269,000 | −$152,000 | −$385,000 | −$74,000 | −$96,000 | −$217,000 | −$499,000 | −$78,000 | −$1.7M |
| Investments (net) | −$86.1M | $115,000 | $3.0M | $7.3M | −$598,000 | −$132.2M | −$83.9M | −$703.2M | −$76.2M | −$35.3M | −$66.9M | $20.2M |
| Acquisitions & other investing | −$19.6M | −$85.2M | −$594.3M | $34.2M | $152,000 | $385,000 | $74,000 | $96,000 | $217,000 | $499,000 | $78,000 | $1.7M |
| Cash from investing activities | −$106.4M | −$85.4M | −$591.6M | $41.3M | −$598,000 | −$132.2M | −$83.9M | −$703.2M | −$76.2M | −$35.3M | −$66.9M | $20.2M |
| Financing activities | ||||||||||||
| Dividends paid | −$83,000 | −$85,000 | −$94,000 | −$83,000 | −$83,000 | −$81,000 | −$93,000 | −$78,000 | −$77,000 | −$75,000 | −$79,000 | −$75,000 |
| Share repurchases & issuance (net) | — | — | −$116,000 | −$5.2M | $3.7M | — | — | −$3.2M | $1.2M | −$1.2M | −$544,000 | −$911,000 |
| Net borrowing (repayment) | $118.4M | $218.5M | $183.9M | −$3.8M | −$58.8M | −$29.3M | $68.3M | −$6.5M | — | — | — | — |
| Shares issued | $0 | $0 | $0 | $0 | $0 | $3.2M | $0 | $0 | $8.3M | $9.4M | $0 | $0 |
| Other financing | $38.6M | −$168.0M | $568.8M | −$125.2M | $76.1M | $144.5M | $54.0M | $785.5M | $105.0M | $1.8M | $85.6M | −$8.4M |
| Cash from financing activities | $156.9M | $50.4M | $752.5M | −$134.3M | $21.0M | $118.3M | $122.2M | $775.7M | $114.4M | $10.0M | $85.0M | −$9.4M |
| Summary | ||||||||||||
| Net change in cash | $33.2M | −$45.1M | $104.4M | −$71.8M | $69.5M | −$20.8M | $47.6M | $75.1M | $37.0M | −$19.7M | $20.3M | $6.7M |
| Cash at end of period | $434.4M | $401.1M | $446.2M | $341.8M | $413.6M | $344.1M | $364.9M | $317.3M | $242.2M | $205.2M | $224.9M | $204.6M |
| Free cash flow | −$17.9M | −$10.4M | −$56.7M | $21.0M | $49.0M | −$7.3M | $9.1M | $2.6M | −$1.3M | $5.1M | $2.0M | −$5.7M |
| Free cash flow margin | −17.1% | −9.9% | −65.1% | 24.8% | 49.8% | −8.6% | 10.2% | 3.5% | −2.0% | 7.8% | 3.2% | −9.1% |
| Capex / revenue | 0.6% | 0.3% | 0.3% | 0.3% | 0.2% | 0.5% | 0.1% | 0.1% | 0.3% | 0.8% | 0.1% | 2.6% |
| Operating cash flow / net income | −0.50 | −0.34 | −2.72 | 0.94 | 1.95 | −0.37 | 0.41 | 0.16 | −0.07 | 0.41 | 0.15 | −0.27 |
Negative numbers are cash paid out. Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported; data from EODHD.
NBN cash generation
In fiscal 2026 (ended June 30, 2026), Northeast Bank generated -$62.5 million of cash from operations (down 215.5%) and spent $1.4 million on capital expenditures, leaving free cash flow of -$64.0 million, −16.6% of revenue. It returned $5.7 million to shareholders through dividends ($0.3 million) and net share buybacks ($5.3 million). Cash and equivalents rose by $20.8 million over the year.
Related: NBN income statement, NBN balance sheet, NBN dividend history. See the NBN stock overview for the latest quote and news.
NBN cash flow FAQ
What is Northeast Bank's free cash flow?
Northeast Bank's free cash flow was -$64.0 million in fiscal 2026: -$62.5 million of operating cash flow minus $1.4 million of capital expenditures It was $53.4 million a year earlier..
How much cash does Northeast Bank generate from operations?
Northeast Bank generated -$62.5 million of cash from operating activities in fiscal 2026, −0.58 times its net income of $107.5 million.
How much does Northeast Bank spend on capital expenditures?
Northeast Bank spent $1.4 million on capital expenditures in fiscal 2026, 0.4% of revenue, compared with $0.7 million the year before.
How much stock does Northeast Bank buy back?
Northeast Bank spent $5.3 million on net share repurchases in fiscal 2026.
How much does Northeast Bank pay in dividends?
Northeast Bank paid $0.3 million in dividends in fiscal 2026.