Pinnacle Bancshares, Inc. (PCLB)

Pinnacle Bancshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2018
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2018
Net Income	4.11	4.07	4.48	4.5	4.69	2.6
Depreciation & Amortization	0.49	0.52	0.42	0.42	0.45	0.37
Gain (Loss) on Sale of Assets	-	-	-	-	-	-0
Gain (Loss) on Sale of Investments	0.15	0.19	0.18	0.21	0.09	0.4
Provision for Credit Losses	-	-	-	0.13	0.2	-
Accrued Interest Receivable	-0.02	-0	-0.04	-0.15	-0.43	-0.06
Other Operating Activities	-0.62	-0.33	0.14	-0.48	-0.77	0.05
Operating Cash Flow	4	3.93	6.46	4.66	4.16	3.43
Operating Cash Flow Growth	-10.22%	-39.23%	38.63%	12.03%	21.35%	27.50%
Capital Expenditures	-0.08	-0.3	-1.91	-0.34	-0.91	-0.51
Investment in Securities	-10.35	0.93	2.38	-31.12	-54.44	4.52
Net Decrease (Increase) in Loans Originated / Sold - Investing	2.85	-6.46	-7.02	6.58	-13.43	-9.11
Other Investing Activities	-0.6	-0.12	-0.06	-0.03	1.62	-0.11
Investing Cash Flow	-8.17	-5.95	-6.61	-24.91	-67.15	-5.13
Short-Term Debt Issued	-	-	-	-	-	3
Long-Term Debt Issued	-	16.5	16.1	-	-	-
Total Debt Issued	-	16.5	16.1	-	-	3
Short-Term Debt Repaid	-	-	-	-	-	-0.1
Long-Term Debt Repaid	-	-20	-3.6	-	-	-
Total Debt Repaid	-5	-20	-3.6	-	-	-0.1
Net Debt Issued (Repaid)	-5	-3.5	12.5	-	-	2.9
Repurchase of Common Stock	-0.3	-0.11	-	-2.06	-0.09	-
Common Dividends Paid	-0.97	-0.98	-0.98	-0.94	-0.86	-0.46
Net Increase (Decrease) in Deposit Accounts	11.15	6.83	-10.92	23.57	63.58	-1
Other Financing Activities	-0	-0	-	-	-	-
Financing Cash Flow	4.87	2.24	0.6	20.57	62.64	1.44
Net Cash Flow	0.7	0.22	0.45	0.32	-0.35	-0.26
Free Cash Flow	3.93	3.63	4.55	4.33	3.26	2.92
Free Cash Flow Growth	-1.32%	-20.27%	5.16%	32.92%	11.37%	120.50%
Free Cash Flow Margin	29.11%	27.30%	33.68%	32.84%	25.15%	30.84%
Free Cash Flow Per Share	4.35	3.99	5.00	4.61	3.35	2.80
Cash Interest Paid	4.34	4.56	1.17	0.69	0.61	0.59
Cash Income Tax Paid	1.17	1.02	0.95	1.33	1.03	0.24

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.