Pacific Financial Corporation (PFLC)

Pacific Financial Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	11.65	9.53	14.61	10.89	12.7
Depreciation & Amortization	0	1.08	1.34	3.36	3.06
Gain (Loss) on Sale of Assets	-0.01	-	0.01	0.01	-0.01
Gain (Loss) on Sale of Investments	0.17	-0.12	0.15	-	-
Provision for Credit Losses	0.54	0.17	0.52	-	-3.65
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0	2.24	-0.47	6.66	44.89
Accrued Interest Receivable	-0.81	0.28	-0.39	-0.69	1.32
Change in Other Net Operating Assets	-0.05	-0.5	0.17	-0.18	-0.33
Other Operating Activities	0.78	-2.99	0.13	7.07	-9.84
Operating Cash Flow	12.33	8.97	15.82	25.37	38.65
Operating Cash Flow Growth	37.53%	-43.31%	-37.66%	-34.35%	-
Capital Expenditures	-1.06	-1.47	-1.35	-1.17	-0.6
Sale of Property, Plant and Equipment	0.01	-	0.01	-	0.02
Investment in Securities	-7.23	-11.83	0.14	-81.8	-114.68
Net Decrease (Increase) in Loans Originated / Sold - Investing	-71.06	-19.52	-44.97	-10.15	96.45
Other Investing Activities	0.28	-0.04	-0.04	-0.02	-3.35
Investing Cash Flow	-79.05	-32.86	-46.21	-93.14	-22.15
Long-Term Debt Repaid	-	-	-	-0.4	-0.15
Net Debt Issued (Repaid)	-	-	-	-0.4	-0.15
Issuance of Common Stock	0	0	0.01	0.05	0.06
Repurchase of Common Stock	-1.22	-3.45	-0.44	-0.02	-0.77
Common Dividends Paid	-5.61	-5.78	-5.52	-5.41	-5.42
Net Increase (Decrease) in Deposit Accounts	108.2	5.44	-171.07	1.42	150.52
Financing Cash Flow	101.38	-3.78	-177.03	-4.36	144.24
Net Cash Flow	34.66	-27.67	-207.42	-72.13	160.74
Free Cash Flow	11.27	7.49	14.47	24.2	38.06
Free Cash Flow Growth	50.47%	-48.22%	-40.21%	-36.41%	-
Free Cash Flow Margin	21.25%	14.71%	26.38%	50.24%	67.61%
Free Cash Flow Per Share	1.12	0.73	1.39	2.32	3.65
Cash Interest Paid	11.71	10.55	5.9	1.13	1.28
Cash Income Tax Paid	2.28	1.53	4.25	0.12	2.28

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