Financial Statements — PBFS
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.09 | 0.16 | 0.23 | 0.12 | 0.14 | 0.25 | 0.14 | 0.22 | 0.15 | 0.15 | 0.40 | 0.46 | 0.35 | 0.48 | 0.33 | 0.20 | 0.26 |
| Total Assets | 2.36 | 2.22 | 2.24 | 2.10 | 2.07 | 1.98 | 1.85 | 1.96 | 1.86 | 1.83 | 2.07 | 1.97 | 1.84 | 1.97 | 1.79 | 1.57 | 1.63 |
| Total Deposits | 1.97 | 1.85 | 1.90 | 1.74 | 1.72 | 1.65 | 1.52 | 1.64 | 1.56 | 1.54 | 1.78 | 1.71 | 1.58 | 1.70 | 1.53 | 1.32 | 1.38 |
| Total Liabilities | 2.04 | 1.89 | 1.93 | 1.78 | 1.76 | 1.69 | 1.57 | 1.69 | 1.60 | 1.58 | 1.83 | 1.74 | 1.60 | 1.73 | 1.56 | 1.35 | 1.40 |
| Retained Earnings | 0.21 | 0.21 | 0.20 | 0.20 | 0.20 | 0.18 | 0.18 | 0.18 | 0.17 | 0.16 | 0.16 | 0.15 | 0.15 | 0.14 | 0.14 | 0.14 | 0.14 |
| Total Stockholder Equity | 0.33 | 0.33 | 0.31 | 0.31 | 0.31 | 0.29 | 0.28 | 0.27 | 0.26 | 0.25 | 0.24 | 0.24 | 0.24 | 0.24 | 0.23 | 0.23 | 0.23 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Interest & Dividend Income | 31.87 | 28.37 | 28.39 | 28.29 | 27.01 | 25.85 | -- | 23.12 | 21.49 | 20.16 | 19.08 | 18.78 | 17.98 | 15.19 | 12.13 | 10.25 | 10.85 | 10.62 | 10.68 | 10.94 |
| Interest Expense | -- | -- | -- | -- | -- | 6.48 | 6.36 | 5.78 | 5.39 | 4.27 | 2.87 | 1.26 | 0.84 | 0.52 | 0.38 | 0.34 | 0.36 | 0.38 | 0.40 | 0.44 |
| Net Interest Income | 22.85 | 20.75 | 20.25 | 20.20 | 19.61 | 19.08 | -- | 17.33 | 16.09 | 15.89 | 16.22 | 17.52 | 17.14 | 14.67 | 11.75 | 9.91 | 10.49 | 10.24 | 10.29 | 10.50 |
| Provision for Credit Losses | (1.35) | 0.75 | 0.52 | 0.76 | 1.44 | 0.74 | -- | 0.08 | 0.88 | 0.75 | -- | 0.00 | (0.40) | 0.12 | (0.80) | 0.00 | 0.00 | 0.25 | 0.50 | 1.25 |
| Non-interest Income | 5.46 | 3.86 | 4.79 | 3.82 | 4.81 | 3.73 | -- | 4.23 | 4.84 | 3.57 | 3.15 | 3.25 | 3.95 | 3.81 | 3.31 | 3.61 | 3.95 | 3.20 | 3.42 | 4.08 |
| Non-interest Expense | 22.18 | 18.12 | 19.16 | 17.62 | 14.73 | 14.59 | -- | 15.43 | 15.80 | 14.41 | 13.36 | 13.10 | 13.51 | 11.87 | 12.81 | 13.06 | 6.38 | 11.41 | 16.33 | 11.70 |
| Pretax Income | 4.79 | 5.71 | 5.33 | 5.61 | 8.14 | 7.42 | -- | 6.06 | 4.01 | 4.31 | 5.72 | 7.67 | 7.98 | 6.49 | 3.05 | 0.46 | 8.06 | 1.77 | (3.12) | 1.64 |
| Tax Provision | 1.30 | 0.42 | 1.58 | 1.28 | 1.69 | 1.65 | -- | 1.34 | 0.82 | 0.89 | 1.21 | 1.64 | 1.79 | 1.26 | 0.69 | 0.15 | 1.80 | 0.41 | 0.43 | 0.30 |
| Net Income | 3.48 | 5.29 | 3.74 | 4.33 | 6.45 | 5.76 | 3.93 | 4.72 | 3.19 | 3.42 | 4.51 | 6.02 | 6.18 | 5.23 | 2.36 | 0.30 | 6.26 | 1.36 | (3.55) | 1.34 |
| Basic EPS | 0.14 | 0.22 | 0.16 | 0.18 | 0.26 | 0.23 | -- | 0.19 | 0.13 | 0.14 | 0.17 | 0.24 | 0.25 | 0.21 | 0.10 | 0.01 | 0.25 | 0.05 | (0.15) | 0.05 |
| Diluted EPS | 0.14 | 0.22 | 0.16 | 0.18 | 0.26 | 0.23 | -- | 0.19 | 0.13 | 0.14 | 0.17 | 0.24 | 0.25 | 0.21 | 0.10 | 0.01 | 0.25 | 0.05 | (0.15) | 0.05 |
Cash Flow Statement
(in millions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Operating Cash Flow | 14.65 | (0.16) | 5.68 | 3.91 | 5.06 | (3.53) | 9.04 | 14.81 | (0.94) | 12.44 | 13.64 | 2.33 | 2.35 | 7.95 | 21.41 | 22.77 | (0.11) | 5.90 | 5.42 | 21.47 |
| Capital Expenditures | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.07 | 0.13 | 0.13 | 0.35 | 0.17 | 0.26 | 0.19 |
| Free Cash Flow* | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 7.89 | 21.27 | 22.64 | (0.46) | 5.73 | 5.16 | 21.28 |
| Investing Cash Flow | (194.87) | (37.93) | 0.59 | (37.11) | (43.61) | (45.65) | 4.75 | (22.80) | 37.18 | (38.97) | 11.18 | (29.10) | (19.97) | (76.99) | (81.10) | (38.36) | (6.27) | (22.30) | (7.69) | (99.37) |
| Financing Cash Flow | 117.85 | 61.35 | (101.14) | 139.69 | 20.99 | 92.28 | (95.14) | 104.05 | (113.14) | 92.60 | (19.40) | 24.51 | (237.93) | 95.85 | (29.01) | 131.22 | (123.06) | 170.01 | (1.32) | 210.46 |
* Derived from reported values
