PFSB: the cashflow

MyFinsight

For the quarter ending 2025-09-30, PFSB had -$5,346K decrease in cash & cash equivalents over the period. $561K in free cash flow.

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

Cash Flow	2025-09-30	2025-06-30
Net income	416	723
Depreciation	31	67
Provision for credit losses	40	113
Amortization of premiums and discounts on debt securities	2	-18
Deferred income taxes	-97	60
Change in fair value of equity securities	85	26
Net realized (gain) loss on loan sales	2	3
Earnings on cash surrender value of life insurance	28	52
Stock incentive plan expense	53	-
Esop compensation expense	17	28
Interest receivable	-23	45
Other assets	-32	-38
Interest payable and other liabilities	165	28
Net cash provided by operating activities	563	949
Purchases of available-for-sale debt securities	0	7,089
Proceeds from maturities of available-for-sale debt securities	3,313	3,989
Proceeds from maturities of held-to-maturity debt securities	497	1,272
Net change in loans	3,456	9,368
Purchase of premises and equipment	2	15
Purchase of fhlb stock	0	7
Net cash used in investing activities	352	-11,218
Net increase (decrease) in demand deposits, money market, now and savings accounts	-6,541	4,661
Net increase in certificates of deposit	864	4,489
Purchase of treasury stock	584	648
Net cash provided by financing activities	-6,261	8,502
Increase (decrease) in cash and cash equivalents	-5,346	-1,767
Cash and cash equivalents at beginning of period	16,256	-
Cash and cash equivalents at end of period	9,143	-

Unit: Thousand (K) dollars