PEBK Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	16.35	15.55	16.12	15.13
Depreciation & Amortization	2.89	3.13	6.03	5.57
Gain (Loss) on Sale of Assets	0.36	-0.18	0.09	-0.13
Gain (Loss) on Sale of Investments	-0.01	2.49	-	-
Total Asset Writedown	0.03	-	-	-
Provision for Credit Losses	-0.29	1.57	1.47	-1.16
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0.39	-0.25	3.78	5.5
Change in Other Net Operating Assets	0.65	0.98	-4.23	2.03
Other Operating Activities	1.03	-0.45	-0.54	-0.23
Operating Cash Flow	20.56	22.78	22.62	26.9
Operating Cash Flow Growth	-9.75%	0.73%	-15.93%	193.60%
Capital Expenditures	-0.59	-1.95	-4.56	-0.48
Sale of Property, Plant and Equipment	-	1.46	-	0.52
Investment in Securities	3.54	60.82	-103.3	-171.03
Net Decrease (Increase) in Loans Originated / Sold - Investing	-46.5	-60.77	-148.07	64.38
Other Investing Activities	0.92	-0.32	-0.04	0.33
Investing Cash Flow	-42.62	-0.75	-255.98	-106.14
Short-Term Debt Issued	0.16	82.45	10.76	11.06
Total Debt Issued	0.16	82.45	10.76	11.06
Short-Term Debt Repaid	-86.88	-43.43	-0.16	-0.16
Total Debt Repaid	-86.88	-43.43	-0.16	-0.16
Net Debt Issued (Repaid)	-86.72	39.03	10.59	10.89
Issuance of Common Stock	0.05	-	0.04	-
Repurchase of Common Stock	-2	-2	-0.71	-3.61
Common Dividends Paid	-5.05	-5.11	-4.94	-3.79
Net Increase (Decrease) in Deposit Accounts	92.69	-43.17	22.47	191.66
Other Financing Activities	-0.02	-	-	-
Financing Cash Flow	-1.04	-11.25	27.46	195.16
Net Cash Flow	-23.11	10.78	-205.9	115.92
Free Cash Flow	19.97	20.83	18.05	26.42
Free Cash Flow Growth	-4.13%	15.39%	-31.66%	296.04%
Free Cash Flow Margin	24.33%	27.39%	23.65%	37.71%
Free Cash Flow Per Share	3.64	3.71	3.19	4.59
Cash Interest Paid	28.08	16.49	3.28	3.22
Cash Income Tax Paid	4.54	4.45	4.66	3.67

Updated Jan 26, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q