PFS Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	772.58	760.57	600.61	399.45	417.55	366.02
Net Interest Income Growth	12.18%	26.63%	50.36%	-4.33%	14.08%	17.10%
Non-Interest Income	114.26	109.84	94.11	79.83	87.79	86.81
Non-Interest Income Growth	13.88%	16.71%	17.89%	-9.07%	1.13%	19.85%
Revenues Before Loan Losses	886.84	870.4	694.73	479.28	505.34	452.83
Provision for Credit Losses	0.83	3.58	87.56	28.17	5	-24.34
Revenue	886.01	866.82	607.16	451.12	500.34	477.17
Revenue Growth (YoY)	26.48%	42.77%	34.59%	-9.84%	4.86%	34.31%
Compensation Expenses	256.96	253.13	218.34	148.5	147.2	143.37
Selling, General & Admin	109.08	108.64	98.7	68.66	66.68	62.9
Other Non-Interest Expenses	93.5	96.89	140.5	58.18	46.35	43.79
Total Non-Interest Expense	459.54	458.66	457.55	275.34	260.23	250.05
Pretax Income	426.48	408.16	149.62	175.78	240.11	227.12
Provision for Income Taxes	119.93	117	34.09	47.38	64.46	59.2
Net Income	306.55	291.16	115.53	128.4	175.65	167.92
Net Income to Common	306.55	291.16	115.53	128.4	175.65	167.92
Net Income Growth	107.87%	152.03%	-10.03%	-26.90%	4.60%	73.20%
Shares Outstanding (Basic)	131	130	110	75	75	76
Shares Outstanding (Diluted)	131	131	110	75	75	77
Shares Change (YoY)	5.79%	18.95%	46.53%	0.12%	-2.32%	9.96%
EPS (Basic)	2.35	2.23	1.05	1.72	2.35	2.20
EPS (Diluted)	2.35	2.23	1.05	1.71	2.35	2.19
EPS Growth	111.71%	112.38%	-38.60%	-27.23%	7.31%	57.55%
Shares Outstanding	130.31	130.62	130.49	75.54	76.17	76.97
Free Cash Flow	424.31	430.73	425.07	165.91	190.9	143.01
Free Cash Flow Growth	-1.49%	1.33%	156.21%	-13.09%	33.49%	58.06%
Free Cash Flow Per Share	3.25	3.30	3.87	2.22	2.55	1.87
Dividends Per Share	0.960	0.960	0.960	0.960	0.960	0.930
Dividend Growth	-	-	-	-	3.23%	1.09%
Profit Margin	34.60%	33.59%	19.03%	28.46%	35.11%	35.19%
FCF Margin	47.89%	49.69%	70.01%	36.78%	38.15%	29.97%
EBITDA	49.98	51.32	41.5	11.7	13.08	12.66
EBITDA Margin	5.64%	5.92%	6.83%	2.59%	2.61%	2.65%
Effective Tax Rate	28.12%	28.66%	22.79%	26.95%	26.85%	26.06%

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q