PFS Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	760.57	600.61	399.45	417.55	366.02
Net Interest Income Growth	26.63%	50.36%	-4.33%	14.08%	17.10%
Non-Interest Income	109.84	94.11	79.83	87.79	86.81
Non-Interest Income Growth	16.71%	17.89%	-9.07%	1.13%	19.85%
Revenues Before Loan Losses	870.4	694.73	479.28	505.34	452.83
Provision for Credit Losses	3.58	87.56	28.17	5	-24.34
Revenue	866.82	607.16	451.12	500.34	477.17
Revenue Growth (YoY)	42.77%	34.59%	-9.84%	4.86%	34.31%
Compensation Expenses	253.13	218.34	148.5	147.2	143.37
Selling, General & Admin	108.64	98.7	68.66	66.68	62.9
Other Non-Interest Expenses	96.89	140.5	58.18	46.35	43.79
Total Non-Interest Expense	458.66	457.55	275.34	260.23	250.05
Pretax Income	408.16	149.62	175.78	240.11	227.12
Provision for Income Taxes	117	34.09	47.38	64.46	59.2
Net Income	291.16	115.53	128.4	175.65	167.92
Net Income to Common	291.16	115.53	128.4	175.65	167.92
Net Income Growth	152.03%	-10.03%	-26.90%	4.60%	73.20%
Shares Outstanding (Basic)	130	110	75	75	76
Shares Outstanding (Diluted)	131	110	75	75	77
Shares Change (YoY)	18.95%	46.53%	0.12%	-2.32%	9.96%
EPS (Basic)	2.23	1.05	1.72	2.35	2.20
EPS (Diluted)	2.23	1.05	1.71	2.35	2.19
EPS Growth	112.38%	-38.60%	-27.23%	7.31%	57.55%
Shares Outstanding	130.62	130.49	75.54	76.17	76.97
Free Cash Flow	430.73	425.07	165.91	190.9	143.01
Free Cash Flow Growth	1.33%	156.21%	-13.09%	33.49%	58.06%
Free Cash Flow Per Share	3.30	3.87	2.22	2.55	1.87
Dividends Per Share	0.960	0.960	0.960	0.960	0.930
Dividend Growth	-	-	-	3.23%	1.09%
Profit Margin	33.59%	19.03%	28.46%	35.11%	35.19%
FCF Margin	49.69%	70.01%	36.78%	38.15%	29.97%
EBITDA	51.32	41.5	11.7	13.08	12.66
EBITDA Margin	5.92%	6.83%	2.59%	2.61%	2.65%
Effective Tax Rate	28.66%	22.79%	26.95%	26.85%	26.06%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q