PFS Bancorp reported cash from operations of $0.76M and free cash flow of $0.69M for the quarter ended Sep 2026, up 34.3% year over year. This cash flow statement covers 18 quarters of results from Jun 2022 through Sep 2026, standardized by Business Quant from the company’s SEC filings.
| Cash Flow StatementCash Flow | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 | Sep2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||||||
| Net Income | 0.27M | 0.26M | 0.10M | 0.21M | 0.21M | 0.30M | 0.29M | 0.28M | 0.27M | 0.24M | 0.11M | 0.29M | 0.44M | 0.42M | 0.53M | 0.32M | 0.44M | 0.40M |
| Depreciation, Depletion & Amortization | ||||||||||||||||||
| Depreciation and Depletion | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M |
| Depreciation & Amortization (CF)Depreciation & Amortization | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M |
| Provision for Losses | -0.03M | 0.07M | -0.01M | 0.01M | 0.01M | 0.07M | 0.02M | 0.03M | 0.01M | 0.11M | 0.02M | 0.06M | 0.06M | 0.04M | -0.01M | 0.02M | 0.03M | 0.04M |
| Share-based Compensation | 0.01M | 0.01M | 0.01M | 0.01M | 0.02M | 0.01M | 0.02M | 0.04M | 0.04M | 0.02M | 0.03M | |||||||
| Deferred Taxes | -0.01M | 0.02M | 0.03M | -0.05M | -0.03M | -0.03M | -0.01M | 0.03M | -0.09M | 0.10M | 0.01M | 0.05M | -0.10M | 0.09M | 0.02M | -0.13M | -0.02M | |
| Amortization of Securities Premiums, NetSecurities Amortization | -0.18M | -0.17M | -0.12M | -0.12M | -0.11M | -0.10M | -0.06M | -0.05M | -0.04M | -0.03M | -0.01M | 0.00M | 0.00M | 0.01M | 0.01M | 0.06M | -0.03M | |
| Gains from Investment Securities | 0.00M | -0.23M | 0.00M | 0.01M | 0.00M | 0.02M | 0.02M | 0.03M | -0.02M | 0.17M | 0.00M | 0.03M | 0.09M | -0.03M | -0.11M | -0.02M | -0.06M | |
| Gains on Sale of Loans | 0.00M | 0.00M | 0.00M | -0.01M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | |||
| Gains from Sales and Divestitures | 0.00M | 0.00M | ||||||||||||||||
| Bank-Owned Life Insurance Income (CF)BOLI Income (CF) | 0.02M | 0.02M | 0.02M | 0.02M | 0.02M | 0.03M | 0.02M | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M | |
| Change in Working Capital | ||||||||||||||||||
| Change in Interest Receivables | -0.01M | 0.01M | -0.06M | 0.04M | -0.06M | 0.18M | -0.01M | 0.04M | 0.02M | 0.00M | -0.02M | 0.07M | -0.02M | 0.00M | -0.05M | 0.02M | 0.01M | |
| Change in Accrued Expenses | 0.10M | 0.04M | -0.10M | 0.34M | 0.24M | 0.01M | -0.03M | 0.22M | 0.06M | -0.25M | 0.10M | -0.08M | 0.17M | -0.19M | 0.12M | -0.40M | 0.05M | |
| Change in Taxes | -0.04M | 0.24M | -0.33M | -0.31M | -0.74M | 1.36M | 0.14M | -0.01M | -0.01M | 0.12M | ||||||||
| Change in Other Operating AssetsOther Assets Change | 0.14M | -0.01M | -0.01M | 0.12M | 0.06M | -0.02M | 0.03M | 0.11M | 0.00M | -0.04M | 0.13M | |||||||
| Change in Other Operating LiabilitiesOther Liabilities Change | 0.10M | 0.04M | -0.10M | 0.34M | 0.24M | 0.01M | -0.03M | 0.22M | 0.06M | -0.25M | 0.10M | -0.08M | 0.17M | -0.19M | 0.12M | -0.40M | 0.05M | |
| Other Operating ActivitiesOther Operating | 0.29M | 0.18M | 0.34M | -0.10M | -0.02M | 0.24M | 0.29M | -0.13M | 0.00M | 0.42M | 0.04M | 0.04M | -0.05M | 0.42M | -0.10M | 0.25M | 0.31M | |
| Cash from Operations | 0.59M | 0.68M | 0.02M | 0.28M | 0.02M | 1.62M | 0.48M | 0.52M | 0.38M | -0.02M | 0.57M | 0.38M | 0.56M | 0.62M | 0.70M | -0.10M | 0.76M | |
| Investing Activities | ||||||||||||||||||
| Capital Expenditures | 0.11M | 0.01M | 0.01M | 0.01M | 0.01M | 0.07M | 0.08M | 0.00M | 0.07M | 3.35M | -3.33M | 0.00M | 0.00M | 0.07M | ||||
| Investment Securities | ||||||||||||||||||
| Purchase of AFS Securities | 5.54M | 7.48M | 2.82M | 0.52M | 0.97M | 3.48M | 3.61M | |||||||||||
| Purchase of HTM Securities | 0.49M | 2.70M | 2.93M | 1.22M | 0.25M | |||||||||||||
| Purchase of FHLB and FRB Stock | 0.02M | -0.01M | ||||||||||||||||
| Purchase of Investments - Total | 6.03M | 2.70M | 2.93M | 1.22M | 0.25M | 7.48M | 2.82M | 0.52M | 0.97M | 3.50M | 3.60M | |||||||
| Maturities of AFS Securities | 2.62M | 2.44M | 1.99M | 1.78M | 1.61M | 1.51M | 1.75M | 1.68M | 1.99M | 2.86M | 2.26M | 1.73M | 3.31M | 2.13M | 1.72M | 2.19M | 2.75M | |
| Sale of HTM Securities | 8.95M | 8.95M | 8.95M | 8.95M | 8.95M | 8.17M | 8.17M | 8.17M | 8.17M | 6.21M | 6.21M | 6.21M | ||||||
| Maturities of HTM Securities | 0.50M | 0.07M | 0.00M | 0.03M | 0.50M | 0.76M | 0.25M | 0.26M | 0.25M | 1.03M | 0.50M | 0.19M | 0.99M | 1.01M | 0.25M | |||
| Sale and Maturity of Investments - Total | 3.12M | 2.51M | 1.99M | 1.81M | 2.11M | 11.21M | 10.69M | 10.63M | 11.19M | 12.06M | 10.67M | 10.93M | 11.98M | 10.48M | 8.91M | 9.40M | 9.20M | |
| Change in Net Loans | 0.95M | 0.09M | -1.11M | -0.80M | 5.70M | 2.13M | 0.54M | 0.10M | 3.91M | 1.18M | -0.25M | 9.61M | 3.46M | -0.09M | 0.23M | 2.48M | 4.02M | |
| Other Investing ActivitiesOther Investing | -0.49M | 6.17M | -15.74M | -8.95M | -8.68M | -8.95M | -8.95M | -8.41M | -7.92M | -8.17M | -8.17M | -6.21M | -6.81M | -6.21M | ||||
| Cash from Investing Activities | 1.68M | 2.46M | 0.39M | -0.34M | -4.82M | -6.92M | -6.34M | -1.05M | -2.19M | 0.91M | -4.34M | -6.88M | 0.35M | 2.40M | 2.47M | 0.12M | -1.09M | |
| Financing Activities | ||||||||||||||||||
| Net Change in DepositsDeposits Chg. | -6.15M | -3.63M | 3.41M | -4.62M | 16.24M | -22.91M | -0.01M | -0.25M | -3.19M | -2.00M | 3.84M | 0.82M | -6.54M | 2.30M | 3.05M | 0.63M | -2.01M | |
| Change in Capital Stock | ||||||||||||||||||
| Shares Repurchased | 0.21M | 0.44M | 0.58M | 0.09M | 0.20M | 0.05M | 0.10M | |||||||||||
| Net Shares Issued and Repurchased | -0.21M | -0.44M | -0.58M | -0.09M | -0.20M | -0.05M | -0.10M | |||||||||||
| Net Equity Issued and Repurchased | -0.21M | -0.44M | -0.58M | -0.09M | -0.20M | -0.05M | -0.10M | |||||||||||
| Other Financing ActivitiesOther Financing | 2.79M | 0.79M | 1.36M | 10.00M | 1.19M | 12.64M | 3.83M | 0.83M | 1.23M | 2.92M | 2.68M | 1.81M | 0.86M | 1.12M | 0.61M | -3.26M | -0.27M | |
| Cash from Financing Activities | -3.35M | -2.84M | 4.77M | 5.37M | 17.44M | -10.27M | 3.82M | 0.59M | -1.96M | 0.92M | 6.31M | 2.19M | -6.26M | 3.33M | 3.46M | -2.68M | -2.38M | |
| Misc. | ||||||||||||||||||
| Change in Cash | -1.08M | 0.29M | 5.17M | 5.31M | 12.64M | -15.57M | -2.04M | 0.06M | -3.77M | 1.81M | 2.54M | -4.31M | -5.35M | 6.35M | 6.64M | -2.66M | -2.71M | |
| Ending Cash Balance | 13.44M | 12.36M | 12.65M | 17.82M | 23.14M | 35.78M | 20.20M | 18.16M | 18.22M | 14.45M | 16.26M | 18.80M | 14.49M | 9.14M | 15.49M | 22.13M | 19.47M | 16.76M |
| Net Cash Flow | -1.08M | 0.29M | 5.17M | 5.31M | 12.64M | -15.57M | -2.04M | 0.06M | -3.77M | 1.81M | 2.54M | -4.31M | -5.35M | 6.35M | 6.64M | -2.66M | -2.71M | |
| Free Cash Flow | 0.59M | 0.57M | 0.01M | 0.26M | 0.01M | 1.61M | 0.42M | 0.44M | 0.37M | -0.08M | -2.78M | 3.71M | 0.56M | 0.62M | 0.70M | -0.10M | 0.69M | |
| Supplemental | ||||||||||||||||||
| Interest Paid | 0.16M | 0.24M | 0.34M | 0.44M | 0.52M | 0.59M | 0.65M | 0.75M | 0.77M | 0.81M | 0.81M | 0.82M | 0.83M | 0.84M | 0.80M | 0.77M | 0.76M | |
| Income Taxes PaidTaxes Paid | 0.07M | 0.07M | -0.03M | -0.04M | 0.04M | 0.05M | 0.16M | 0.11M | -0.01M | 0.01M | -0.06M | 0.02M | 0.21M |
Pull PFS Bancorp's standardized financial statements into your own models, spreadsheets and apps with the Business Quant Financial Statements API. The request below follows the statement, frequency and period selected above. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/statements?ticker=PFSB&statement=CF&frequency=Quarter&period=all&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/statements"
params = {"ticker": "PFSB", "statement": "CF", "frequency": "Quarter", "period": "all", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/statements?ticker=PFSB&statement=CF&frequency=Quarter&period=all&api_key=YOUR_API_KEY");
const data = await res.json();