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Filing Flows › Industries › Savings Institution, Federally Chartered › Capital spending and supply chain

Savings Institution, Federally Chartered: capital spending and supply chain

SIC 6035 · 16 companies with filed cash-flow statements

Capital spending, 12 months$382M
Operating cash flow$1.9B
Capex / cash flow20%
Capex / revenue10.6%
Top 3 share95%

Analysis

16 companies in Savings Institution, Federally Chartered (SIC 6035) spent $382M on capital projects over their latest twelve months, 20% of the $1.9B their operations generated; the three largest spenders — AX, PFS, EBC — account for 95%.

Capital spending is 10.6% of the industry's $3.6B of annual revenue.

By the industry's asset mix most of it goes to software (52%); about $12.3M is imported.

The largest supplier of that spending is software publishers ($14.6M).

Its largest supplying industries, by the input-output tables: monetary authorities and depository credit intermediation ($127M), nondepository credit intermediation and related activities ($83.4M), other real estate ($68.4M).

Charts

Savings Institution, Federally Chartered: capital spending by company, latest twelve monthsSavings Institution, Federally Chartered: capital spending by company, latest twelve monthsAX$317MPFS$27.1MEBC$17.1MNRIM$6.3MHTB$4.2MFNRN$2.3MWNEB$2.2MFCAP$2.1MFMAO$1.3MBCBP$1.1MBYFC$559KPROV$513K
Filed cash-flow statements (SEC XBRL).
Savings Institution, Federally Chartered: what the capital spending buys (US part)Savings Institution, Federally Chartered: what the capital spending buys (US part)Structures$7.9MEquipment$8.6MSoftware$21.4MOther$3.0M
Capital spending × the industry’s asset mix (BEA fixed assets): grade C, an industry average applied to filed figures.
Savings Institution, Federally Chartered: the industries that build and sell what it buysSavings Institution, Federally Chartered: the industries that build and sell what it buysSoftware publishers$14.6MOffice and commercial structures$7.9MCustom computer programming servi…$3.1MComputer systems design services$2.8MAll other miscellaneous manufactu…$2.1MOther general purpose machinery m…$1.1MOffice furniture and custom archi…$1.0MOther fabricated metal manufactur…$975KElectronic computer manufacturing$926KRailroad rolling stock manufactur…$808K
BEA fixed assets: investment by asset type → supplying industry. Estimates (grade C).
Savings Institution, Federally Chartered: its first-tier supplying industriesSavings Institution, Federally Chartered: its first-tier supplying industriesMonetary authorities and deposito…$127MNondepository credit intermediati…$83.4MOther real estate$68.4MOther financial investment activi…$39.0MSecurities and commodity contract…$33.7MManagement consulting services$29.1MImports$25.1MWireless telecommunications carri…$24.0MManagement of companies and enter…$24.0MEmployment services$22.8M
Purchased inputs × the industry’s input mix (BEA Use table), US part: grade C.
Savings Institution, Federally Chartered: where the industry's cash came from (+) and went (−)Savings Institution, Federally Chartered: where the industry's cash came from (+) and went (−)Other investing (out)−$2.6BOther financing (in)$1.9BOperating cash flow$1.4BNet borrowing$534MBuybacks−$524MDividends−$362MOther financing (out)−$253MCash added to the balance she…−$200MCash drawn from the balance s…$170MCapital spending−$53.2MNet debt repaid−$30.3MShares issued$11.6MSales of assets & businesses$5.1MTaxes paid on employees' shar…−$2.9M
The companies’ cash-flow statements, latest four quarters or fiscal year: every figure filed (grade A).

Capital spending by company

CompanyCapital spendingOperating cash flowCapex / OCFPeriod
AX Axos Financial$317M$734M43%TTM to Q1 FY27
PFS Provident Financial Services$27.1M$329M8%TTM to Q3 2026
EBC Eastern Bankshares$17.1M$433M4%TTM to Q3 2026
NRIM Northrim Bancorp$6.3M$88.3M7%TTM to Q3 2026
HTB HomeTrust Bancshares$4.2M$119M4%TTM to Q3 2026
FNRN First Northern Community Bancorp$2.3M$20.0M11%TTM to Q3 2026
WNEB Western New England Bancorp$2.2M$21.1M10%TTM to Q3 2026
FCAP First Capital$2.1M$23.8M9%TTM to Q2 2026
FMAO Farmers & Merchants Bancorp$1.3M$46.7M3%TTM to Q3 2026
BCBP BCB Bancorp$1.1M$31.6M3%TTM to Q3 2026
BYFC Broadway Financial$559K$6.7M8%TTM to Q2 2026
PROV Provident Financial Holdings$513K$10.9M5%TTM to Q1 FY27
KFFB Kentucky First Federal Bancorp$133K$1.1M13%TTM to Q3 FY26
PDLB Ponce Financial Group$60K$70.3M0%TTM to Q3 2026
NSTS Nsts Bancorp$48K$14.5M0%TTM to Q2 2026
MGNO Magnolia Bancorp$48K−$231K—TTM to Q3 2026

Customers and suppliers named in annual reports

SupplierCustomerShare of supplier revenueEvidenceSource
TBBKNSTS—Stated in 10-K (named, share not stated)filing

The interactive money flow: switch views, follow each dollar →

Evidence grades: A filed figure · B computed from filed figures · C industry average (BEA input-output and fixed-asset tables) applied to filed figures. Estimates are not the companies’ own records. Not investment advice.