Peoples Financial Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	4.72	21.7	9.17	8.94	8.91	-2.56
Depreciation & Amortization	1.72	1.74	1.61	1.69	1.68	1.81
Gain (Loss) on Sale of Assets	0.03	-0.01	0.07	-0.09	-0.28	-0.22
Gain (Loss) on Sale of Investments	-0.43	-1.54	-2.33	0.06	0.9	-0.3
Total Asset Writedown	-	-	-	0.16	0.3	0.66
Provision for Credit Losses	-0.12	-0.16	-0.27	0.08	-5.66	6
Accrued Interest Receivable	0.49	0	-0.25	-0.43	-0.74	-0.41
Change in Other Net Operating Assets	-1.81	-1.94	2.74	-0.05	-0.52	1.16
Other Operating Activities	-	-	-	-	-	-0.22
Operating Cash Flow	4.98	6.03	9.05	7.91	4.58	5.92
Operating Cash Flow Growth	-27.11%	-33.33%	14.45%	72.51%	-22.59%	42.73%
Capital Expenditures	-0.32	-0.98	-2.54	-2.17	-1.94	-0.44
Sale of Property, Plant and Equipment	-	0.07	0.05	-	-	0.55
Investment in Securities	70.33	62.6	65.31	-104.03	-239.57	-3.29
Purchase / Sale of Intangibles	-	-	-	-0.62	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-13.49	4.7	-1.27	1.23	43.79	-16.01
Other Investing Activities	-0.55	1.61	-0.28	-0.2	-0.11	0.54
Investing Cash Flow	56	68.01	62.38	-104.23	-196.25	-14.77
Long-Term Debt Issued	-	840.65	769.35	567.75	79.52	59.5
Long-Term Debt Repaid	-	-859.15	-750.85	-568.64	-79.6	-62.06
Net Debt Issued (Repaid)	-30	-18.5	18.5	-0.89	-0.08	-2.56
Repurchase of Common Stock	-0.79	-0.79	-0.21	-	-3.38	-0.74
Common Dividends Paid	-2.03	-2.04	-2.47	-0.89	-0.77	-0.1
Net Increase (Decrease) in Deposit Accounts	-28.51	32.24	-97.29	80.94	154.34	74.36
Financing Cash Flow	-61.33	10.91	-81.47	79.16	150.11	70.97
Net Cash Flow	-0.36	84.95	-10.04	-17.16	-41.55	62.12
Free Cash Flow	4.66	5.06	6.51	5.74	2.64	5.48
Free Cash Flow Growth	-14.56%	-22.37%	13.58%	117.23%	-51.83%	48.42%
Free Cash Flow Margin	16.31%	16.51%	19.36%	20.22%	8.36%	29.23%
Free Cash Flow Per Share	1.01	1.09	1.39	1.23	0.55	1.12
Cash Interest Paid	8.27	9.6	6.13	2.16	0.84	1.61
Cash Income Tax Paid	0.38	0.84	0.5	-	0.17	-

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