What is Proficient Auto Logistics, Inc.'s time deposits?

Proficient Auto Logistics, Inc. (PAL) reported time deposits of $250K in Q4 2025.

What does time deposits mean?

Includes interest-bearing bank deposits with a specified maturity date, such as certificates of deposit. These represent highly liquid, low-risk cash equivalents that the company holds to earn interest while maintaining access to capital. It reflects the company's conservative cash management strategy.

Proficient Auto Logistics, Inc. PAL Time deposits

Time deposits at other companies

STB

S&T BancorpSTBA

$1.98B+8.6%

FVCBankcorp, Inc.FVCB

$336.12M+22.2%

Camden NationalCAC

$652M-7.4%

ATL

AMES NationalATLO

$85.8M+0.9%

Origin BancorpOBK

$797.35M-12.7%

NBT

NBT BancorpNBTB

$1.39B-4.3%

Other financials

Income statement

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Revenue$93.7M-1.6%

Operating income-$6.9M-194%

Net income-$6.5M-103%

EPS (diluted)-$0.23-91.7%

Balance sheet

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Cash & equivalents$1.1M-90.1%

Total debt$81.5M-6.4%

Total equity$305.7M-9.0%

Total assets$466.4M—

Cash flow

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Operating cash flow$2.0M+21.4%

CapEx$784.5K-70.3%

Free cash flow$1.2M+219%

Valuation

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Market cap$177.17M-6.2%

Enterprise value$257.64M-12.7%

P/S0.6×—

Profitability

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Operating margin-10%—

Net margin-12.2%—

Returns & leverage

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Return on equity-12.3%+53.3pp

Debt / equity0.3×0.0×

Current ratio1.1×—

Where this comes from

Reported directly by Proficient Auto Logistics, Inc. in its filing.

Tagged under the XBRL concept us-gaap:TimeDepositsAtOrAboveFDICInsuranceLimit.

The official record: Proficient Auto Logistics, Inc.’s 10-K, filed March 31, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Proficient Auto Logistics, Inc.'s time deposits?: Proficient Auto Logistics, Inc. (PAL) reported time deposits of $250K in Q4 2025.
What does time deposits mean?: Includes interest-bearing bank deposits with a specified maturity date, such as certificates of deposit. These represent highly liquid, low-risk cash equivalents that the company holds to earn interest while maintaining access to capital. It reflects the company's conservative cash management strategy.