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	Jun '26 Jun 30, 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
Interest Income on Loans	1,146	1,133	944.3	556.24	417.65	365.07
Interest Income on Investments	147.11	139.35	101.84	59.59	48.53	37.27
Total Interest Income	1,293	1,273	1,046	615.82	466.18	402.34
Interest Paid on Deposits	390.06	400	349.52	159.46	38.7	26.51
Interest Paid on Borrowings	114.55	112.21	96	56.91	9.93	9.8
Total Interest Expense	504.62	512.21	445.52	216.37	48.63	36.32
Net Interest Income	788.17	760.57	600.61	399.45	417.55	366.02
Net Interest Income Growth	7.34%	26.63%	50.36%	-4.33%	14.08%	17.10%
Trust Income	29.9	29.25	30.53	27.67	27.87	30.76
Gain (Loss) on Sale of Assets	0.68	0.68	-	-0.15	0.02	0.04
Gain (Loss) on Sale of Investments	0.45	0.84	-2.99	0.03	0.18	0.26
Other Non-Interest Income	87.75	79.06	66.57	52.28	59.72	52.36
Total Non-Interest Income	119.16	109.84	94.11	79.83	87.79	83.41
Non-Interest Income Growth	13.34%	16.71%	17.89%	-9.07%	5.25%	15.16%
Revenues Before Loan Losses	907.32	870.4	694.73	479.28	505.34	449.43
Provision for Loan Losses	13.05	3.58	87.56	28.17	5	-24.34
Revenue	894.28	866.82	607.16	451.12	500.34	473.77
Revenue Growth	8.60%	42.77%	34.59%	-9.84%	5.61%	33.35%
Salaries and Employee Benefits	250.25	242.68	206.15	137.7	133.46	133.4
Occupancy Expenses	34.54	34.5	28.87	32.27	34.57	32.93
Federal Deposit Insurance	12.17	12.9	12.96	8.58	5.2	6.26
Amortization of Goodwill & Intangibles	35.2	37.07	28.93	2.95	3.29	3.66
Selling, General & Administrative	72.25	71.69	69.07	38.61	40.67	33.68
Other Non-Interest Expense	59.77	59.82	54.71	47.4	38.93	40.13
Total Non-Interest Expense	464.18	458.66	400.68	267.51	256.1	250.05
EBT Excluding Unusual Items	430.09	408.16	206.48	183.61	244.23	223.72
Other Unusual Items	-	-	-	-	-	3.4
Pretax Income	430.09	408.16	149.62	175.78	240.11	227.12
Income Tax Expense	117.38	117	34.09	47.38	64.46	59.2
Net Income	312.72	291.16	115.53	128.4	175.65	167.92
Net Income to Common	312.72	291.16	115.53	128.4	175.65	167.92
Net Income Growth	35.41%	152.03%	-10.03%	-26.90%	4.60%	73.20%
Basic Shares Outstanding	130	130	110	75	75	76
Diluted Shares Outstanding	131	131	110	75	75	77
Shares Change	0.12%	18.95%	46.53%	0.12%	-2.32%	9.96%
EPS (Basic)	2.40	2.23	1.05	1.72	2.35	2.20
EPS (Diluted)	2.40	2.23	1.05	1.71	2.35	2.19
EPS Growth	35.65%	112.38%	-38.60%	-27.23%	7.31%	57.55%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	0.480	0.960	0.960	0.960	0.960	0.930
Dividend Growth	-50.00%	0%	0%	0%	3.23%	1.09%
Effective Tax Rate	27.29%	28.67%	22.79%	26.96%	26.85%	26.06%

SEC Filings: 10-K · 10-Q