For the quarter ending 2025-09-30, PFIS had $4,184K increase in cash & cash equivalents over the period. $13,030K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Cash and cash equivalents at beginning of period | 135,851 | - |
| Net income | 15,246 | 31,965 |
| Depreciation of premises and equipment | 823 | 1,610 |
| Amortization of right-of-use lease asset | 178 | 437 |
| (accretion) amortization of deferred loan fees, net | 86 | 307 |
| Amortization of debt issuance costs | 103 | 31 |
| Amortization of cdi and other intangibles | 1,539 | 3,419 |
| Amortization expense related to acquired borrowings | 118 | 230 |
| Accretion income related to acquired loans | 3,714 | 8,463 |
| Amortization expense related to acquired deposits | 92 | 528 |
| Amortization of low income housing partnerships | 336 | 868 |
| (credit to) provision for credit losses | -838 | -39 |
| Net unrealized gain on equity investments | -21 | 64 |
| Net loss on sale of other real estate owned | 0 | -5 |
| Loans originated for sale | 3,633 | 2,050 |
| Proceeds from sale of loans originated for sale | 3,386 | 1,504 |
| Net gain on sale of loans originated for sale | 22 | 1 |
| Net accretion of investment securities | 651 | 1,936 |
| Net gain on sale of premises and equipment | -615 | 680 |
| Increase in cash surrender value of life insurance | 543 | 1,061 |
| Gain from bank owned life insurance settlement | 0 | 118 |
| Deferred income tax expense (benefit) | 0 | 2,449 |
| Stock compensation, including tax effects and expenses | 267 | -207 |
| Accrued interest receivable | 1,141 | 222 |
| Other assets | -2,416 | -2,170 |
| Accrued interest payable | 3,336 | -863 |
| Other liabilities | -2,630 | -6,241 |
| Net cash provided by operating activities | 15,218 | 22,964 |
| Available for sale | 29,086 | 58,794 |
| Held to maturity | 1,822 | 2,997 |
| Available for sale | 50,331 | 28,229 |
| Equity securities | 282 | - |
| Net purchase of restricted equity securities | 1,806 | 1,491 |
| Proceeds from the sale of other real estate | 0 | 22 |
| Net increase in loans | 16,792 | -3,903 |
| Purchases of premises and equipment | 2,188 | 5,890 |
| Proceeds from the sale of premises and equipment | 26 | 3,696 |
| Proceeds from bank owned life insurance | 0 | 968 |
| Net cash (used in) provided by investing activities | -40,465 | 34,770 |
| Net decrease in deposits | 2,290 | -120,731 |
| Proceeds from long-term debt | 33,821 | 15,284 |
| Repayment of long-term borrowings | 333 | 10,653 |
| Net advances in short-term borrowings | -30 | 60,440 |
| Proceeds from the issuance of subordinated debt, net of issuance costs | -156 | 83,133 |
| Repayment of subordinated debt | 0 | 33,000 |
| Cash dividends paid | 6,161 | 12,319 |
| Net cash provided by (used in) financing activities | 29,431 | -17,846 |
| Net increase in cash and cash equivalents | 4,184 | 39,888 |
| Cash and cash equivalents at end of period | 179,923 | - |
PEOPLES FINANCIAL SERVICES CORP. (PFIS)
PEOPLES FINANCIAL SERVICES CORP. (PFIS)