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Cash Flow
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Cash Flow Overview
Free Cash flow
$12,160K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Increase (decrease) in deposits
Proceeds from long-term debt
Proceeds From Sale And Maturity ...
Others
Negative Cash Flow Breakdown
Net (increase) decrease in loans
Net proceeds from short-term bor...
Cash dividends paid
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and cash equivalents at beginning of period
-
-
-
135,851
Net income
14,805
14,747
11,976
15,246
Depreciation of premises and equipment
922
916
884
823
Amortization of right-of-use lease asset
188
185
192
178
Amortization of net deferred loan fees
26
225
-331
86
Amortization of debt issuance costs
101
103
103
103
Amortization of cdi and other intangibles
1,539
1,539
1,539
1,539
Amortization expense related to acquired borrowings
52
58
120
118
Accretion income related to acquired loans
3,374
3,089
4,116
3,714
Amortization expense related to acquired deposits
51
60
78
92
Amortization of low-income housing partnerships
1,027
828
517
336
Provision (benefit) for credit losses
3,105
1,387
975
-838
Net unrealized gain on equity investments
-71
456
125
-21
Net (gain) loss on sale of other real estate owned
14
-
0
0
Net gain on sale of equity securities
104
-
-
-
Valuation allowance on other real estate
120
-
212
-
Loans originated for sale
2,567
6,494
3,883
3,633
Proceeds from sale of loans originated for sale
3,090
6,240
3,927
3,386
Net gain on sale of loans originated for sale
60
122
33
22
Net accretion of investment securities
896
766
768
651
Net gain on sale of investment securities available for sale
0
510
-2,241
-
Net gain on sale of premises and equipment
271
-
-139
-615
Increase in cash surrender value of life insurance
500
497
472
543
Gain from bank owned life insurance settlement
280
-
0
0
Deferred income tax expense
-191
1,110
2,265
0
Stock compensation, including tax effects and expenses
211
444
288
267
Accrued interest receivable
-221
358
638
1,141
Other assets
441
15,628
-952
-2,416
Accrued interest payable
-3,163
1,098
-1,184
3,336
Other liabilities
250
7,726
573
-2,630
Net cash provided by operating activities
13,866
8,296
16,093
15,218
Proceeds from sales of investment securities available for sale
0
32,404
76,421
-
Proceeds from sales of equity investments
340
-
-
-
Proceeds From Sale And Maturity Of Available For Sale Securities
17,736
27,988
38,992
29,086
Held to maturity
1,808
1,469
1,215
1,822
Payments To Acquire Available For Sale Securities Debt
3,265
19,687
89,935
50,331
Equity securities
-
-
-
282
Net purchase of restricted equity securities
-3,604
5,478
-1,060
1,806
(purchase) redemption of equity securities without readily determinable fair value
27
65
328
-
Calls and maturities of equity securities without readily determinable fair value
-
-
500
-
Net (increase) decrease in loans
109,598
120,800
47,764
16,792
Purchases of premises and equipment
1,706
1,811
2,856
2,188
Proceeds from the sale of premises and equipment
733
-
3,670
26
Proceeds from bank owned life insurance
1,069
5,721
0
0
Proceeds from sale of other real estate owned
235
-
0
0
Net cash (used in) provided by investing activities
-89,071
-80,259
-18,743
-40,465
Increase (decrease) in deposits
83,432
-8,760
144,260
2,290
Proceeds from long-term debt
25,045
20,000
27,134
33,821
Repayment of long-term debt
5,348
19,633
29,905
333
Net advances in short-term borrowings
-
-
-
-30
Net proceeds from short-term borrowings
-93,990
146,600
16,821
-
Proceeds from the issuance of subordinated debt, net of issuance costs
-
-
-27
-156
Repayment of subordinated debt
-
-
0
0
Cash paid for shares withheld for taxes on compensation
46
370
-
-
Cash dividends paid
6,250
6,246
6,162
6,161
Net cash provided by (used in) financing activities
2,843
131,591
91,711
29,431
Net (decrease) increase in cash and cash equivalents
-72,363
59,629
89,061
4,184
Cash and cash equivalents at beginning of period
328,612
268,984
135,851
-
Cash and cash equivalents at end of period
256,250
328,612
268,984
-
Interest
46,050
-
-
-
Income taxes
4,178
-
-
-
Origination of mortgage servicing rights
135
-
-
-
Initial recognition of right-of-use assets
183
-
-
-
Cash and cash equivalents at end of period
-
-
-
179,923
Initial recognition of lease liability
183
-
-
-
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Net income
$14,805K
(-53.68%↓ Y/Y)
Increase (decrease) in
deposits
$83,432K
(169.11%↑ Y/Y)
Provision (benefit) for
credit losses
$3,105K
(8061.54%↑ Y/Y)
Proceeds from sale of
loans originated for...
$3,090K
(105.45%↑ Y/Y)
Amortization of cdi and other
intangibles
$1,539K
(-54.99%↓ Y/Y)
Amortization of low-income
housing partnerships
$1,027K
(18.32%↑ Y/Y)
Depreciation of premises and
equipment
$922K
(-42.73%↓ Y/Y)
Other liabilities
$250K
(104.01%↑ Y/Y)
Accrued interest
receivable
-$221K
(-199.55%↓ Y/Y)
Stock compensation,
including tax effects and...
$211K
(201.93%↑ Y/Y)
Amortization of right-of-use
lease asset
$188K
(-56.98%↓ Y/Y)
Valuation allowance on
other real estate
$120K
Amortization of debt issuance
costs
$101K
(225.81%↑ Y/Y)
Net unrealized gain
on equity...
-$71K
(-210.94%↓ Y/Y)
Amortization expense related
to acquired...
$52K
(-77.39%↓ Y/Y)
Amortization expense related
to acquired...
$51K
(-90.34%↓ Y/Y)
Proceeds from long-term
debt
$25,045K
(63.86%↑ Y/Y)
Net cash provided by
operating activities
$13,866K
(-39.62%↓ Y/Y)
Net cash provided by
(used in) financing...
$2,843K
(115.93%↑ Y/Y)
Canceled cashflow
$11,887K
Canceled cashflow
$105,634K
Net (decrease)
increase in cash and cash...
-$72,363K
(-281.42%↓ Y/Y)
Canceled cashflow
$16,709K
Proceeds From Sale And
Maturity Of Available For...
$17,736K
(-69.83%↓ Y/Y)
Net purchase of
restricted equity...
-$3,604K
(-341.72%↓ Y/Y)
Held to maturity
$1,808K
(-39.67%↓ Y/Y)
Proceeds from bank owned
life insurance
$1,069K
(10.43%↑ Y/Y)
Proceeds from the sale of
premises and equipment
$733K
(-80.17%↓ Y/Y)
Proceeds from sales of
equity investments
$340K
Proceeds from sale of
other real estate...
$235K
(968.18%↑ Y/Y)
Accretion income related
to acquired loans
$3,374K
(-60.13%↓ Y/Y)
Accrued interest
payable
-$3,163K
(-266.51%↓ Y/Y)
Loans originated for
sale
$2,567K
(25.22%↑ Y/Y)
Net accretion of
investment securities
$896K
(-53.72%↓ Y/Y)
Increase in cash
surrender value of life...
$500K
(-52.87%↓ Y/Y)
Other assets
$441K
(120.32%↑ Y/Y)
Gain from bank owned
life insurance...
$280K
(137.29%↑ Y/Y)
Net gain on sale of
premises and equipment
$271K
(-60.15%↓ Y/Y)
Deferred income tax
expense
-$191K
(-107.80%↓ Y/Y)
Net gain on sale of
equity securities
$104K
Net gain on sale of
loans originated for...
$60K
(5900.00%↑ Y/Y)
Amortization of net deferred
loan fees
$26K
(-91.53%↓ Y/Y)
Net (gain) loss on
sale of other real...
$14K
(380.00%↑ Y/Y)
Net proceeds from
short-term borrowings
-$93,990K
Cash dividends paid
$6,250K
(-49.27%↓ Y/Y)
Repayment of long-term
debt
$5,348K
(-49.80%↓ Y/Y)
Cash paid for shares
withheld for taxes on...
$46K
Net cash (used in)
provided by investing...
-$89,071K
(-356.17%↓ Y/Y)
Canceled cashflow
$25,525K
Net (increase)
decrease in loans
$109,598K
(2908.05%↑ Y/Y)
Payments To Acquire
Available For Sale...
$3,265K
(-88.43%↓ Y/Y)
Purchases of premises and
equipment
$1,706K
(-71.04%↓ Y/Y)
(purchase) redemption of
equity securities...
$27K
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PEOPLES FINANCIAL SERVICES CORP. (PFIS)
PEOPLES FINANCIAL SERVICES CORP. (PFIS)