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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Change in Cash
-$2,660K
Free Cash flow
-$177K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from maturities of avai...
Proceeds from maturities of held...
Net increase (decrease) in deman...
Others
Negative Cash Flow Breakdown
Net increase (decrease) in time ...
Net change in loans
Purchases of available-for-sale ...
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
Net income
437
318
532
416
Depreciation
30
31
32
31
Provision for credit losses
25
15
-5
40
Amortization (accretion) of premiums and discounts on debt securities
58
5
5
2
Deferred income taxes
-133
23
93
-97
Change in fair value of equity securities
-17
-114
-28
85
Net realized (gain) loss on loan sales
2
1
1
2
Earnings on cash surrender value of life insurance
28
28
27
28
Stock-based compensation expense
40
40
40
53
Esop compensation expense
24
23
20
17
Interest receivable
15
-48
2
-23
Other assets
37
-4
-110
-32
Interest payable and other liabilities
-404
122
-191
165
Net cash provided by operating activities
-104
704
624
563
Purchases of available-for-sale debt securities
506
-
0
0
Proceeds from maturities of available-for-sale debt securities
2,185
1,718
2,131
3,313
Proceeds from maturities of held-to-maturity debt securities
1,010
985
185
497
Net change in loans
2,476
232
-90
3,456
Purchase of premises and equipment
73
-
4
2
Purchase of fhlb stock
21
-
0
0
Net cash provided (used) in investing activities
119
2,471
2,402
352
Net increase (decrease) in demand deposits, money market, now and savings accounts
631
3,052
2,300
-6,541
Net increase (decrease) in time deposits
-3,273
613
1,118
864
Proceeds from exercise of stock options net of shares surrendered in payment
18
-
-
-
Purchase of treasury stock
51
201
93
584
Net cash provided by financing activities
-2,675
3,464
3,325
-6,261
Increase (decrease) in cash and cash equivalents
-2,660
6,639
6,351
-5,346
Cash and cash equivalents, beginning of year
22,133
15,494
9,143
16,256
Cash and cash equivalents, end of year
19,473
22,133
15,494
9,143
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
Show the time plot by selecting a row from the table.
Cash Flow
Proceeds from maturities
of...
$2,185K
(-45.22%↓ Y/Y)
Proceeds from maturities
of...
$1,010K
(-20.60%↓ Y/Y)
Net cash provided
(used) in investing...
$119K
(101.06%↑ Y/Y)
Canceled cashflow
$3,076K
Increase (decrease) in
cash and cash...
-$2,660K
(-50.54%↓ Y/Y)
Canceled cashflow
$119K
Net increase
(decrease) in demand...
$631K
(-86.46%↓ Y/Y)
Proceeds from exercise of
stock options net of...
$18K
Net income
$437K
(-39.56%↓ Y/Y)
Stock-based compensation
expense
$40K
Depreciation
$30K
(-55.22%↓ Y/Y)
Provision for credit
losses
$25K
(-77.88%↓ Y/Y)
Esop compensation
expense
$24K
(-14.29%↓ Y/Y)
Change in fair value of
equity securities
-$17K
(-165.38%↓ Y/Y)
Net change in loans
$2,476K
(-73.57%↓ Y/Y)
Purchases of
available-for-sale debt securities
$506K
(-92.86%↓ Y/Y)
Purchase of premises and
equipment
$73K
(386.67%↑ Y/Y)
Purchase of fhlb stock
$21K
(200.00%↑ Y/Y)
Net cash provided by
financing activities
-$2,675K
(-131.46%↓ Y/Y)
Canceled cashflow
$649K
Net cash provided by
operating activities
-$104K
(-110.96%↓ Y/Y)
Canceled cashflow
$573K
Net increase
(decrease) in time deposits
-$3,273K
(-172.91%↓ Y/Y)
Purchase of treasury
stock
$51K
(-92.13%↓ Y/Y)
Interest payable and
other liabilities
-$404K
(-1542.86%↓ Y/Y)
Deferred income taxes
-$133K
(-321.67%↓ Y/Y)
Amortization (accretion) of
premiums and discounts on...
$58K
(422.22%↑ Y/Y)
Other assets
$37K
(197.37%↑ Y/Y)
Earnings on cash
surrender value of life...
$28K
(-46.15%↓ Y/Y)
Interest receivable
$15K
(-66.67%↓ Y/Y)
Net realized (gain)
loss on loan sales
$2K
(-33.33%↓ Y/Y)
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PFS Bancorp, Inc. (PFSB)
PFS Bancorp, Inc. (PFSB)