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PFS Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$691K in Q3 2026 · $1.8M over twelve months

Operating cash flow$756K
Capital spending−$65K
Free cash flow+$691K
Cash / net income1.9×

Analysis

In Q3 2026, PFS Bancorp generated $756K of operating cash flow and spent $65K on capital projects, leaving free cash flow of $691K. That is $130K more than in Q3 2025 ($561K).

Over the twelve months to Sep 30, 2026, operating cash flow was $2.0M; the largest uses were buybacks ($448K), capital spending ($142K); besides operations, cash came from other investing ($4.0M), other financing ($2.2M); the cash balance rose by $7.6M.

Operating cash flow was $756K against net income of $402K — 1.9× profit, cash ran ahead of reported earnings. The largest differences: stock-based pay +$40K, depreciation & amortization +$33K, deferred taxes −$23K.

Free cash flow

PFS Bancorp: free cash flow by quarterPFS Bancorp: free cash flow by quarter−$84KQ4 2024$553KQ1 2025$381KQ2 2025$561KQ3 2025$620KQ4 2025$704KQ1 2026−$104KQ2 2026$691KQ3 2026
Operating cash flow less capital spending.
PFS Bancorp: operating cash flow against capital spendingPFS Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending−$16K$68KQ4 2024$568K$15KQ1 2025$381K$0Q2 2025$563K$2KQ3 2025$624K$4KQ4 2025$704K$0Q1 2026−$104K$0Q2 2026$756K$65KQ3 2026
Latest (Q3 2026): Operating cash flow $756K, Capital spending $65K.

Capital allocation, year by year

PFS Bancorp: where the cash came from (up) and went (down), by fiscal yearPFS Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedCapital spendingBuybacksFY2022: Operating cash flow $2.2MFY2022: Capital spending −$136K$2.2MFY2022FY2023: Operating cash flow $1.9MFY2023: Shares issued $17.2MFY2023: Capital spending −$44KFY2023: Buybacks −$400K$19.2MFY2023FY2024: Operating cash flow $1.4MFY2024: Capital spending −$219KFY2024: Buybacks −$63K$1.4MFY2024FY2025: Operating cash flow $2.1MFY2025: Capital spending −$21KFY2025: Buybacks −$1.3M$2.1MFY2025
Over these 4 years operating cash flow totalled $7.6M; the largest uses were buybacks ($1.8M) and capital spending ($420K). Cash-flow statements as filed.

Where the cash came from and went

PFS Bancorp: sources (+) and uses (−) of cash, Q3 2026PFS Bancorp: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$2.7MOther financing−$2.3MOther investing−$1.0MOperating cash flow$756KBuybacks−$103KCapital spending−$65K
PFS Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026PFS Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Cash drawn (+) / kept (−)−$7.6MOther investing$4.0MOther financing$2.2MOperating cash flow$2.0MBuybacks−$448KCapital spending−$142K

From profit to cash

PFS Bancorp: net income to operating cash flow, Q3 2026PFS Bancorp: net income to operating cash flow, Q3 2026Net income$402KDepreciation & amortization$33KStock-based pay$40KDeferred taxes−$23KOperating cash flow$756K
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksCash drawn (+) / kept (−)Free cash flow
Q3 2026$756K−$65K−$103K$2.7M$691K
Q2 2026−$104K—−$51K$2.7M−$104K
Q1 2026$704K—−$201K−$6.6M$704K
Q4 2025$624K−$4K−$93K−$6.4M$620K
Q3 2025$563K−$2K−$584K$5.3M$561K
Q2 2025$381K—−$442K$4.3M$381K
Q1 2025$568K−$15K−$206K−$2.5M$553K
Q4 2024−$16K−$68K—−$1.8M−$84K

PFS Bancorp: income statement and cash flow

PFS Bancorp, Q3 2026: revenue $1.8M (+7% year over year), operating margin 31.7%. The chart follows the revenue to costs, profit and cash.

PFS Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.