Peoples Financial Services (PFIS) Cash Flow: Operating & Free Cash Flow

Peoples Financial Services Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Peoples Financial Services Corp. (PFIS) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	59.19	8.50	27.38	38.09	43.52	29.35	25.74	24.92	18.46
Depreciation & Amortization	10.62	7.24	3.50	4.03	3.64	4.25	4.21	3.21	2.98
Deferred Income Tax	4.71	-3.65	1.27	0.61	0.45	-1.78	0.39	-0.68	1.67
Stock Based Compensation	0.35	0.79	0.89	0.53	0.55	0.57	0.55	0.27	0.18
Change in Working Capital	-3.47	11.57	-1.08	-4.44	2.40	-0.53	-0.76	-0.40	-0.47
Change in Accounts Receivable	-2.00	4.55	-1.02	-3.19	-0.27	-1.27	0.13	-0.18	-0.71
Change in Accounts Payable	1.29	-2.23	4.86	0.50	-0.33	-0.54	0.08	0.70	0.04
Change in Other Working Capital	-17.62	10.05	-1.35	-1.75	-0.26	1.28	-0.97	-0.92	0.21
Other Operating Activities	-17.62	-13.54	-1.35	3.53	-0.26	5.32	6.94	5.30	5.78
Net Cash from Operating Activities	54.28	34.73	33.25	42.36	40.77	37.18	37.08	32.63	28.59
Investing Activities
Capital Expenditures	-10.93	-2.58	-5.93	-7.83	-4.89	-2.29	-5.60	-4.07	-6.25
Acquisitions	0.00	28.07	0.00	0.00	12.15	0.00	0.00	0.00	2.30
Purchases of Investments	-168.82	-4.84	0.00	-138.71	-358.60	-107.20	-124.50	-32.71	-73.47
Sales/Maturities of Investments	209.83	307.45	98.90	90.44	60.40	150.17	67.85	31.99	57.02
Other Investing Activities	-54.51	0.60	-118.73	-411.72	12.60	-241.92	-122.47	-130.02	-164.17
Net Cash from Investing Activities	-24.44	386.35	-25.75	-467.82	-440.10	-201.24	-184.72	-134.81	-184.56
Financing Activities
Debt Repayment	-73.89	-23.29	-0.56	112.77	-12.06	-87.11	60.48	-49.00	32.58
Common Stock Repurchased	0.00	0.00	-5.89	-1.25	-2.36	-6.89	-0.63	0.00	0.00
Dividends Paid	-24.64	-18.09	-11.66	-11.33	-10.79	-10.52	-10.13	-9.69	-9.32
Other Financing Activities	25.82	-299.81	232.44	83.20	526.28	465.62	96.47	156.00	130.26
Net Cash from Financing Activities	103.30	-472.58	142.00	183.40	451.07	361.10	146.18	97.31	153.52
Summary
Net Change in Cash	133.13	-51.51	149.50	-242.07	51.74	197.04	-1.46	-4.87	-2.45
Cash at Beginning of Period	135.85	187.37	37.87	279.93	228.19	31.15	32.62	37.49	39.94
Cash at End of Period	268.98	135.85	187.37	37.87	279.93	228.19	31.15	32.62	37.49
Free Cash Flow	43.34	32.15	27.33	34.53	35.89	34.89	31.48	28.56	22.35
Supplemental Disclosures
Interest Paid	-	95.73	58.24	15.09	9.75	-	-	-	-
Income Taxes Paid	-	1.85	3.46	10.00	6.74	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Peoples Financial Services Cash Flow

What is Peoples Financial Services's free cash flow?

Peoples Financial Services generated free cash flow of $43.34M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $54.27M minus $10.93M of capital expenditures. That was up 34.8% from $32.15M a year earlier. Free cash flow equaled 23.1% of revenue.

How much does Peoples Financial Services spend on capital expenditures?

Peoples Financial Services spent $10.93M on capital expenditures in fiscal 2025, compared with $2.58M a year earlier. That equals 20.1% of operating cash flow.

Does Peoples Financial Services pay dividends or buy back shares?

Yes. In fiscal 2025 Peoples Financial Services returned $24.64M in dividends to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition