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	Sep '26 Sep 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	1,153	1,133	944.3	556.24	417.65	365.07
Interest Income on Investments	151.54	139.35	101.84	59.59	48.53	37.27
Total Interest Income	1,305	1,273	1,046	615.82	466.18	402.34
Interest Paid on Deposits	389.83	400	349.52	159.46	38.7	26.51
Interest Paid on Borrowings	113.1	112.21	96	56.91	9.93	9.8
Total Interest Expense	502.93	512.21	445.52	216.37	48.63	36.32
Net Interest Income	801.84	760.57	600.61	399.45	417.55	366.02
Net Interest Income Growth	7.65%	26.63%	50.36%	-4.33%	14.08%	17.10%
Trust Income	30.37	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	0.47	0.84	-2.99	0.03	0.18	0.26
Other Non-Interest Income	90.43	79.06	66.57	52.28	59.72	52.36
Total Non-Interest Income	122.27	109.84	94.11	79.83	87.79	83.41
Non-Interest Income Growth	15.67%	16.71%	17.89%	-9.07%	5.25%	15.16%
Revenues Before Loan Losses	924.11	870.4	694.73	479.28	505.34	449.43
Provision for Loan Losses	11.25	3.58	87.56	28.17	5	-24.34
Revenue	912.86	866.82	607.16	451.12	500.34	473.77
Revenue Growth	9.07%	42.77%	34.59%	-9.84%	5.61%	33.35%
Salaries and Employee Benefits	255.31	242.68	206.15	137.7	133.46	133.4
Occupancy Expenses	35.4	34.5	28.87	32.27	34.57	32.93
Federal Deposit Insurance	11.91	12.9	12.96	8.58	5.2	6.26
Amortization of Goodwill & Intangibles	34.26	37.07	28.93	2.95	3.29	3.66
Selling, General & Administrative	73	71.69	69.07	38.61	40.67	33.68
Other Non-Interest Expense	81.9	59.82	54.71	47.4	38.93	40.13
Total Non-Interest Expense	491.77	458.66	400.68	267.51	256.1	250.05
EBT Excluding Unusual Items	421.09	408.16	206.48	183.61	244.23	223.72
Other Unusual Items	-	-	-	-	-	3.4
Pretax Income	421.09	408.16	149.62	175.78	240.11	227.12
Income Tax Expense	110.94	117	34.09	47.38	64.46	59.2
Net Income	310.16	291.16	115.53	128.4	175.65	167.92
Net Income to Common	310.16	291.16	115.53	128.4	175.65	167.92
Net Income Growth	21.04%	152.03%	-10.03%	-26.90%	4.60%	73.20%
Basic Shares Outstanding	130	130	110	75	75	76
Diluted Shares Outstanding	130	131	110	75	75	77
Shares Change	0.04%	18.95%	46.53%	0.12%	-2.32%	9.96%
EPS (Basic)	2.38	2.23	1.05	1.72	2.35	2.20
EPS (Diluted)	2.38	2.23	1.05	1.71	2.35	2.19
EPS Growth	21.24%	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	Sep '26 Sep 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	0.240	0.960	0.960	0.960	0.960	0.930
Dividend Growth	-75.00%	0%	0%	0%	3.23%	1.09%
Effective Tax Rate	26.35%	28.67%	22.79%	26.96%	26.85%	26.06%

SEC Filings: 10-K · 10-Q