Peoples Financial Services Corp. (PFIS)

PFIS Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	53.3	8.5	27.38	38.09	43.52	29.35
Depreciation & Amortization	11.73	8.56	3.5	4.03	3.64	4.25
Other Amortization	0.69	0.39	-	-	-	-
Gain (Loss) on Sale of Assets	0.11	0.17	-0.02	-0.65	-0.18	0.04
Gain (Loss) on Sale of Investments	-1.92	-0.47	1.37	3.95	-10.41	0.74
Total Asset Writedown	0.82	0.82	-	-	-	-
Provision for Credit Losses	2.49	19.13	0.57	-0.45	1.75	7.4
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.01	0.25	-0.26	0.46	0.76	1.05
Accrued Interest Receivable	0.98	4.55	-1.02	-3.19	-0.27	-1.27
Change in Other Net Operating Assets	-4.42	9.24	-4.92	-1.75	3	1.28
Other Operating Activities	-3.32	-6.66	0.9	0.89	-0.93	-4.79
Operating Cash Flow	45.24	33.92	33.25	42.36	40.77	37.18
Operating Cash Flow Growth	26.36%	2.02%	-21.50%	3.89%	9.66%	0.27%
Capital Expenditures	-5.73	-2.58	-5.93	-7.83	-4.89	-2.29
Sale of Property, Plant and Equipment	5.38	1.81	0.01	0.17	0.06	0.44
Cash Acquisitions	-0.74	28.07	-	-	-	-
Investment in Securities	43.83	302.61	98.9	-48.27	-286.05	42.97
Net Decrease (Increase) in Loans Originated / Sold - Investing	68.44	61.68	-123.34	-402.7	-151.96	-241.31
Other Investing Activities	-2.13	-4.43	4.45	-10.15	1.8	-1.7
Investing Cash Flow	109.07	387.15	-25.75	-467.82	-440.1	-201.24
Short-Term Debt Issued	-	-	-	114.93	-	103.65
Long-Term Debt Issued	-	-	25	-	-	33
Total Debt Issued	192.49	-	25	114.93	-	136.65
Short-Term Debt Repaid	-	-131.39	-97.34	-	-50	-205.8
Long-Term Debt Repaid	-	-23.29	-0.56	-2.16	-12.06	-17.96
Total Debt Repaid	-78.47	-154.68	-97.9	-2.16	-62.06	-223.76
Net Debt Issued (Repaid)	114.02	-154.68	-72.9	112.77	-62.06	-87.11
Repurchase of Common Stock	-	-	-5.89	-1.25	-2.36	-6.89
Common Dividends Paid	-24.63	-18.09	-11.66	-11.33	-10.79	-10.52
Net Increase (Decrease) in Deposit Accounts	-349.25	-299.81	232.44	83.2	526.28	465.62
Financing Cash Flow	-259.86	-472.58	142	183.4	451.07	361.1
Net Cash Flow	-105.55	-51.51	149.5	-242.07	51.74	197.04
Free Cash Flow	39.52	31.35	27.33	34.53	35.89	34.89
Free Cash Flow Growth	28.92%	14.71%	-20.85%	-3.79%	2.86%	10.84%
Free Cash Flow Margin	21.64%	27.21%	27.24%	31.96%	33.07%	39.18%
Free Cash Flow Per Share	3.92	3.65	3.82	4.79	4.96	4.75
Cash Interest Paid	96.14	95.73	58.24	15.09	9.75	14.87
Cash Income Tax Paid	7.13	1.85	3.46	10	6.74	6.25

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q