Winchester Bancorp 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
Period Ending	Sep '25 Sep 30, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023
Net Income	0.72	-0.87	0.79	4.16
Depreciation & Amortization	0.86	0.85	0.75	0.64
Gain (Loss) on Sale of Assets	-	-	-0.31	-3.33
Gain (Loss) on Sale of Investments	0.4	-0.01	0.07	0.48
Provision for Credit Losses	0.58	2.07	0.51	1.4
Accrued Interest Receivable	-0.39	-0.16	-0.91	-0.61
Change in Other Net Operating Assets	1.83	0.54	-0.07	-1.75
Other Operating Activities	-1.71	-1.79	-0.59	-0.55
Operating Cash Flow	4.16	2.47	0.23	0.44
Operating Cash Flow Growth	-	967.10%	-47.14%	-
Capital Expenditures	-0.22	-0.28	-1.32	-
Sale of Property, Plant and Equipment	-	-	-	4.3
Investment in Securities	-25.58	-14.68	-14.7	3.23
Net Decrease (Increase) in Loans Originated / Sold - Investing	-86.17	-71.25	-83.37	-120.02
Other Investing Activities	-1.01	-0.52	-5.79	-9.26
Investing Cash Flow	-112.98	-86.73	-105.18	-121.75
Short-Term Debt Issued	-	13.53	-	19.7
Long-Term Debt Issued	-	17	190	112
Total Debt Issued	45.07	30.53	190	131.7
Short-Term Debt Repaid	-	-	-3.23	-
Long-Term Debt Repaid	-	-13	-149	-48
Total Debt Repaid	-24	-13	-152.23	-48
Net Debt Issued (Repaid)	21.07	17.53	37.77	83.7
Issuance of Common Stock	37.81	37.81	-	-
Repurchase of Common Stock	-3.35	-3.35	-	-
Net Increase (Decrease) in Deposit Accounts	74.14	43.79	59.03	26.66
Other Financing Activities	-0.35	-0.39	0.08	-0.04
Financing Cash Flow	129.32	95.39	96.89	110.31
Net Cash Flow	20.5	11.13	-8.06	-11
Free Cash Flow	3.94	2.18	-1.09	0.44
Free Cash Flow Margin	19.45%	12.65%	-6.94%	2.12%
Free Cash Flow Per Share	0.42	0.24	-	-
Cash Interest Paid	24.85	25.58	20.16	6.59
Cash Income Tax Paid	0.19	-0.44	-0.48	2.5

Source: S&P Capital IQ. Banks template. Financial Sources.