Peoples Financial Services Corp. (PFIS)

PFIS Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	56.77	59.19	8.5	27.38	38.09	43.52
Depreciation & Amortization	10.44	10.62	7.24	3.5	4.03	3.64
Provision for Credit Losses	3.43	0.1	19.13	0.57	-0.45	1.75
Stock-Based Compensation	1.21	0.35	0.79	0.89	0.53	0.55
Net Change in Loans Held-for-Sale	-0.17	-0.81	0.25	-0.25	0.41	0.33
Other Adjustments	-11.34	-11.7	-13.54	2.25	4.15	-11.52
Changes in Accrued Interest and Accounts Receivable	-1.92	-2	4.55	-1.02	-3.19	-0.27
Changes in Accounts Payable	0.19	1.29	-2.23	4.86	0.45	-0.33
Changes in Other Operating Activities	-6.78	-2.76	10.05	-4.92	-1.75	3
Operating Cash Flow	53.47	54.28	34.73	33.25	42.36	40.77
Operating Cash Flow Growth	-5.30%	56.30%	4.43%	-21.50%	3.89%	9.66%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Change in Loans Held-for-Investment	-294.95	-60.65	61.68	-123.34	-402.7	-151.96
Net Change in Securities and Investments	63.92	38.77	296.77	103.35	-53.86	-296.85
Proceeds from Business Divestments	12.89	-	28.07	-	-	-
Capital Expenditures	-8.56	-10.93	-2.58	-5.93	-7.83	-4.89
Sale of Property, Plant & Equipment	4.45	7.41	1.81	0.15	1.14	0.98
Other Investing Activities	6.79	0.97	0.6	-	-4.57	12.6
Investing Cash Flow	-228.54	-24.44	386.35	-25.75	-467.82	-440.1

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Change in Deposits	221.22	25.82	-299.81	232.44	83.2	526.28
Short-Term Debt Issued	8.99	16.82	-131.39	-97.34	112.93	-50
Net Short-Term Debt Issued (Repaid)	8.99	16.82	-131.39	-97.34	112.93	-50
Long-Term Debt Issued	105.82	159.19	-	25	-	-
Long-Term Debt Repaid	-55.22	-73.89	-23.29	-0.56	-2.16	-12.06
Net Long-Term Debt Issued (Repaid)	50.6	85.3	-23.29	24.45	-2.16	-12.06
Repurchase of Common Stock	-0.42	-	-	-5.89	-1.25	-2.36
Net Common Stock Issued (Repurchased)	-0.42	-	-	-5.89	-1.25	-2.36
Common Dividends Paid	-24.82	-24.64	-18.09	-11.66	-11.32	-10.79
Financing Cash Flow	255.58	103.3	-472.58	142	183.4	451.07

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	80.51	133.13	-51.51	149.5	-242.07	51.74

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	44.91	43.34	32.15	27.33	34.53	35.89
Free Cash Flow Growth	3.16%	34.81%	17.65%	-20.85%	-3.79%	2.86%
FCF Margin	12.19%	12.25%	11.93%	14.52%	17.45%	18.25%
Free Cash Flow Per Share	4.46	4.30	3.74	3.82	4.79	4.96

SEC Filings: 10-K · 10-Q

Data Source: Fiscal.ai Last updated: Aug 7, 2026

Financial data is provided by Fiscal.ai and updates within minutes after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 13, 2026

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