PFSB: the cash flow

MyFinsight

For the year ending 2025-12-31, PFSB had -$762K decrease in cash & cash equivalents over the period. $2,115K in free cash flow.

Cash Flow	2025-12-31
Net income	1,671
Depreciation	130
Provision for credit losses	148
Amortization of premiums and discounts on debt securities	-11
Deferred income taxes	56
Change in fair value of equity securities	83
Net realized (gain) loss on loan sales	6
Earnings on cash surrender value of life insurance	107
Stock-based compensation expense	93
Esop compensation expense	65
Interest receivable	24
Other assets	-180
Interest payable and other liabilities	2
Net cash provided by operating activities	2,136
Purchases of available-for-sale debt securities	7,089
Proceeds from maturities of available-for-sale debt securities	9,433
Proceeds from maturities of held-to-maturity debt securities	1,954
Net change in loans	12,734
Purchase of premises and equipment	21
Purchase of fhlb stock	7
Net cash used in investing activities	-8,464
Net increase (decrease) in demand deposits, money market, now and savings accounts	420
Net increase in time deposits	6,471
Purchase of treasury stock	1,325
Net cash provided by financing activities	5,566
Increase (decrease) in cash and cash equivalents	-762
Cash and cash equivalents, beginning of year	16,256
Cash and cash equivalents, end of year	15,494

Unit: Thousand (K) dollars (except for numbers of shares and EPS).