PFS Bancorp, Inc. (PFSB)

PFS Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	1.08	1.01	0.83	1
Depreciation & Amortization	0.16	0.15	0.15	0.15
Gain (Loss) on Sale of Assets	0.01	0.01	-	-
Gain (Loss) on Sale of Investments	0.19	0.42	1.16	1.06
Provision for Credit Losses	0.16	0.1	0.06	-0.01
Accrued Interest Receivable	-0.23	-0.1	-0.03	0.02
Change in Other Net Operating Assets	1.48	-0.02	0.19	0.09
Other Operating Activities	-0.19	-0.16	-0.09	-0.19
Operating Cash Flow	3.02	1.95	2.21	2.19
Operating Cash Flow Growth	202.51%	-11.59%	0.87%	-
Capital Expenditures	-0.16	-0.04	-0.14	-0.03
Investment in Securities	-9.66	-5.71	1.37	-3.44
Net Decrease (Increase) in Loans Originated / Sold - Investing	-6.69	-5.95	-4.11	1.35
Other Investing Activities	-	-	-0.02	-0.08
Investing Cash Flow	-16.52	-11.7	-2.9	-2.2
Long-Term Debt Issued	-	-	-	5
Long-Term Debt Repaid	-	-	-5	-4
Net Debt Issued (Repaid)	-	-	-5	1
Issuance of Common Stock	17.25	17.25	-	-
Repurchase of Common Stock	-1.78	-1.78	-	-
Net Increase (Decrease) in Deposit Accounts	-21.67	3.45	-3.21	12.44
Other Financing Activities	-1.62	-1.62	-	-
Financing Cash Flow	-7.83	17.3	-8.21	13.44
Net Cash Flow	-21.33	7.55	-8.89	13.43
Free Cash Flow	2.85	1.91	2.07	2.16
Free Cash Flow Growth	234.47%	-7.91%	-3.85%	-
Free Cash Flow Margin	51.27%	36.31%	44.96%	46.48%
Free Cash Flow Per Share	1.83	1.23	-	-
Cash Interest Paid	2.76	1.89	0.62	0.61
Cash Income Tax Paid	0.3	0.02	0.3	0.28

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