PSB Holdings, Inc. (PSBQ)

PSB Holdings Cash Flow Statement

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

Operating Activities

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	13.95	10.29	9.57	13.64	12.82
Depreciation & Amortization	2.81	3.14	3.11	3.41	0.82
Gain (Loss) on Sale of Assets	-0.09	-0.01	-0.07	-0.01	-0.27
Gain (Loss) on Sale of Investments	0	1.01	0.58	-	-0.13
Total Asset Writedown	-	-	-0.12	-0.03	-0.08
Provision for Credit Losses	0.64	0.2	0.45	-	1
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.6	0.56	-0	3.6	0.33
Accrued Interest Receivable	0.01	0.09	-1.13	-0.75	0.48
Change in Other Net Operating Assets	0.53	1.5	-0.63	-0.53	1.86
Other Operating Activities	-0.9	-0.91	1.84	-0.43	-0.67
Operating Cash Flow	16.21	14.54	13.06	18.29	13.39
Operating Cash Flow Growth	11.48%	11.37%	-28.59%	36.54%	-23.30%

Investing Activities

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
Capital Expenditures	-0.61	-1.74	-1.23	-1.54	-1.1
Sale of Property, Plant and Equipment	0.14	0.02	0.02	0.01	-
Cash Acquisitions	-0.55	-	-	-	24.21
Investment in Securities	17.63	-26.02	32.34	-7.67	-81.11
Net Decrease (Increase) in Loans Originated / Sold - Investing	-18.52	0.65	-115.95	-84.83	32.25
Other Investing Activities	1.26	-2.45	-2.19	1.09	1.96
Investing Cash Flow	-0.65	-29.54	-87	-92.93	-23.78

Financing Activities

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
Short-Term Debt Issued	-	-	-	6.31	-
Long-Term Debt Issued	-	28.25	91	4.8	-
Total Debt Issued	-	28.25	91	11.11	-
Short-Term Debt Repaid	-1.48	-1.19	-4.93	-	-8.94
Long-Term Debt Repaid	-49.3	-	-0.78	-5.72	-15
Total Debt Repaid	-50.78	-1.19	-5.71	-5.72	-23.94
Net Debt Issued (Repaid)	-50.78	27.06	85.29	5.39	-23.94
Issuance of Common Stock	-	-	-	0.02	-
Repurchase of Common Stock	-1.86	-1.78	-3.03	-3.3	-0.36
Preferred Stock Issued	-	-	-	7.15	-
Common Dividends Paid	-3.23	-3.12	-2.99	-2.26	-2.05
Net Increase (Decrease) in Deposit Accounts	29.68	5.55	-6.95	43.52	51.75
Financing Cash Flow	-26.19	27.71	72.32	50.51	25.41

Net Cash Flow

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 Cash Flow	-10.62	12.72	-1.63	-24.13	15.02

Free Cash Flow

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
Free Cash Flow	15.6	12.8	11.83	16.75	12.29
Free Cash Flow Growth	21.83%	8.21%	-29.34%	36.20%	-23.67%
Free Cash Flow Margin	30.36%	28.54%	26.70%	35.31%	26.19%
Free Cash Flow Per Share	3.84	3.10	2.81	3.79	2.76

Additional Metrics

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
Cash Interest Paid	31.01	32.23	21.74	5.99	3.56
Cash Income Tax Paid	2.67	1.14	3.06	3.58	4.67

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 5, 2026

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