For the year ending 2025-12-31, PFIS had $133,133K increase in cash & cash equivalents over the period. $43,341K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 59,187 |
| Depreciation of premises and equipment | 3,317 |
| Amortization of right-of-use lease asset | 807 |
| Amortization of net deferred loan (fees) costs | 62 |
| Amortization of debt issuance costs | 237 |
| Amortization of cdi and other intangibles | 6,497 |
| Amortization expense related to acquired borrowings | 468 |
| Accretion income related to acquired loans | 16,293 |
| Amortization expense related to acquired deposits | 698 |
| Amortization of low income housing partnerships | 1,721 |
| Provision for credit losses | 98 |
| Net unrealized (gain) loss on equity investments | 168 |
| Net loss (gain) on sale of other real estate owned | -5 |
| Valuation allowance on other real estate | 212 |
| Loans originated for sale | 9,566 |
| Proceeds from sale of loans originated for sale | 8,817 |
| Net (gain) loss on sale of loans originated for sale | 56 |
| Net (accretion) amortization of investment securities | 3,355 |
| Net loss (gain) on sale of investment securities available for sale | -2,241 |
| Loss on sale of premises and equipment | -74 |
| Increase in cash surrender value of life insurance | 2,076 |
| Gain from bank owned life insurance settlement | 118 |
| Deferred income tax expense (benefit) | 4,714 |
| Stock compensation, including tax effects and expenses | 348 |
| Accrued interest receivable | 2,001 |
| Other assets | -5,538 |
| Accrued interest payable | 1,289 |
| Other liabilities | -8,298 |
| Net cash provided by operating activities | 54,275 |
| Proceeds from sales of investment securities available for sale | 76,421 |
| Proceeds From Sale And Maturity Of Available For Sale Securities | 126,872 |
| Held to maturity | 6,034 |
| Payments To Acquire Available For Sale Securities Debt | 168,495 |
| Net (purchase) redemption of restricted equity securities | 2,237 |
| Purchase of equity securities without readily determinable fair value | 328 |
| Calls and maturities of equity securities without readily determinable fair value | 500 |
| Net (increase) decrease in loans | 60,653 |
| Purchases of premises and equipment | 10,934 |
| Proceeds from the sale of premises and equipment | 7,392 |
| Proceeds from bank owned life insurance | 968 |
| Proceeds from sale of other real estate owned | 22 |
| Net cash (used in) provided by investing activities | -24,438 |
| Net increase (decrease) in deposits | 25,819 |
| Proceeds from long-term debt | 76,239 |
| Repayment of long-term borrowings | 40,891 |
| Net increase (decrease) in proceeds from short-term borrowings | 16,821 |
| Proceeds from the issuance of subordinated debt, net of issuance costs | 82,950 |
| Repayment of subordinated debt | 33,000 |
| Cash dividends paid | 24,642 |
| Net cash provided by (used in) financing activities | 103,296 |
| Net increase (decrease) in cash and cash equivalents | 133,133 |
| Cash and cash equivalents at beginning of period | 135,851 |
| Cash and cash equivalents at end of period | 268,984 |
PEOPLES FINANCIAL SERVICES CORP. (PFIS)
PEOPLES FINANCIAL SERVICES CORP. (PFIS)