PFS Bancorp, Inc. (PFSB)
OTCMKTS · Delayed Price · Currency is USD
20.70
+0.11 (0.53%)
Aug 21, 2026, 9:34 AM EST
PFS Bancorp Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 1.7 | 1.67 | 0.91 | 1.01 | 0.83 | 1 |
Depreciation & Amortization | 0.12 | 0.13 | 0.15 | 0.15 | 0.15 | 0.15 |
Gain (Loss) on Sale of Assets | - | - | 0 | 0.01 | - | - |
Gain (Loss) on Sale of Investments | 0 | -0.07 | -0.04 | 0.42 | 1.16 | 1.06 |
Provision for Credit Losses | 0.08 | 0.15 | 0.17 | 0.1 | 0.06 | -0.01 |
Accrued Interest Receivable | 0.05 | -0.02 | -0.04 | -0.1 | -0.03 | 0.02 |
Change in Other Net Operating Assets | 0.11 | 0.18 | 0.24 | -0.02 | 0.19 | 0.09 |
Other Operating Activities | -0.23 | -0.05 | -0.07 | -0.18 | -0.09 | -0.19 |
Operating Cash Flow | 1.79 | 2.14 | 1.37 | 1.94 | 2.21 | 2.19 |
Operating Cash Flow Growth | 36.62% | 56.37% | -29.48% | -12.31% | 0.87% | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -0.08 | -0.02 | -0.22 | -0.04 | -0.14 | -0.03 |
Investment in Securities | 11.52 | 4.3 | -2.73 | -5.71 | 1.37 | -3.44 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -6.07 | -12.73 | -5.72 | -5.93 | -4.11 | 1.35 |
Other Investing Activities | -0.02 | -0.01 | - | - | -0.02 | -0.08 |
Investing Cash Flow | 5.34 | -8.46 | -8.68 | -11.69 | -2.9 | -2.2 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | - | - | - | - | - | 5 |
Long-Term Debt Repaid | - | - | - | - | -5 | -4 |
Net Debt Issued (Repaid) | - | - | - | - | -5 | 1 |
Issuance of Common Stock | 0.02 | - | - | 17.25 | - | - |
Repurchase of Common Stock | -0.93 | -1.33 | -0.06 | -1.78 | - | - |
Net Increase (Decrease) in Deposit Accounts | -1.24 | 6.89 | 3.43 | 3.45 | -3.21 | 12.44 |
Other Financing Activities | - | - | - | -1.62 | - | - |
Financing Cash Flow | -2.15 | 5.57 | 3.36 | 17.3 | -8.21 | 13.44 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 4.98 | -0.76 | -3.95 | 7.55 | -8.89 | 13.43 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 1.71 | 2.12 | 1.15 | 1.89 | 2.07 | 2.16 |
Free Cash Flow Growth | 39.54% | 84.39% | -39.41% | -8.68% | -3.85% | - |
Free Cash Flow Margin | 25.10% | 32.93% | 19.94% | 36.00% | 44.96% | 46.48% |
Free Cash Flow Per Share | 1.12 | 1.38 | 0.72 | 1.19 | - | - |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 3.24 | 3.3 | 2.98 | 1.89 | 0.62 | 0.61 |
Cash Income Tax Paid | 0.51 | 0.18 | 0.27 | - | 0.3 | 0.28 |