PB Bankshares 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	2.31	1.77	1.92	2.11	0.79	-0.42
Depreciation & Amortization	0.42	0.36	0.33	0.29	0.17	0.21
Provision for Credit Losses	0.09	-0.04	0.63	1.2	0.29	0.76
Stock-Based Compensation	0.56	0.72	0.68	0.22	0.15	-
Other Adjustments	-0.72	-1.27	-0.86	-1.27	-0.27	-0.42
Changes in Accrued Interest and Accounts Receivable	-0.14	-0.28	0.08	-0.36	0.2	-0.73
Changes in Accrued Expenses	0.43	0.55	1.1	1.18	0.06	0.81
Operating Cash Flow	2.6	1.82	3.88	3.37	1.39	0.21
Operating Cash Flow Growth	13.84%	-53.14%	15.19%	142.80%	573.79%	-86.03%
Net Change in Loans Held-for-Investment	-7.99	-23.47	-21.21	-52.91	-63.53	-15.55
Net Change in Securities and Investments	28.41	19.91	-15.04	-29.72	-0.22	-2.44
Capital Expenditures	-0.45	-0.38	-0.64	-0.15	-0.01	-0.69
Sale of Property, Plant & Equipment	-	0.63	-	0.95	-	-
Other Investing Activities	-	-	-0.55	-	-0.5	-1.8
Investing Cash Flow	-0.41	-3.3	-37.44	-81.82	-64.26	-20.48
Net Change in Deposits	0.24	21.22	43.47	38.37	19.71	63.38
Long-Term Debt Issued	-	-	19.68	40.1	-	-
Long-Term Debt Repaid	-6.66	-12.64	-12.21	-9.14	-3.87	-5.48
Net Long-Term Debt Issued (Repaid)	-6.66	-12.64	7.47	30.96	-3.87	-5.48
Issuance of Common Stock	-	-	-	-	26.2	-
Repurchase of Common Stock	-	-1.76	-2.15	-0.53	-2.9	-
Net Common Stock Issued (Repurchased)	-	-1.76	-2.15	-0.53	23.3	-
Financing Cash Flow	-1.43	6.82	48.79	68.79	39.14	57.9
Net Cash Flow	0.76	5.34	15.23	-9.66	-23.73	37.62
Beginning Cash & Cash Equivalents	54.52	32.44	17.2	26.86	50.59	12.97
Ending Cash & Cash Equivalents	55.28	37.78	32.44	17.2	26.86	50.59
Free Cash Flow	2.15	1.44	3.24	3.23	1.38	-0.49
Free Cash Flow Growth	49.72%	-55.63%	0.50%	134.03%	-	-
FCF Margin	16.04%	11.56%	26.42%	29.10%	16.46%	-7.43%
Free Cash Flow Per Share	0.92	0.62	1.30	1.26	0.54	-0.29
Levered Free Cash Flow	-4.08	-10.62	10.25	34.03	-2.66	-6.3
Unlevered Free Cash Flow	0.26	0.25	0.86	0.96	0.42	-0.41

Updated Sep 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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