Peapack-Gladstone Financial Corporation (PGC)

PGC Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	34.41	32.99	48.85	74.25	56.62	26.19
Depreciation & Amortization	4.92	4.63	5.01	5.04	4.79	4.41
Provision for Credit Losses	17.59	7.5	14.09	6.35	6.48	32.4
Stock-Based Compensation	5.51	5.94	10.93	8.53	7.18	7.1
Net Change in Loans Held-for-Sale	-2.37	-0.42	11.36	23.71	-5.42	-7.03
Other Adjustments	-8.04	-16.45	-17.61	-2.79	9.55	4.46
Changes in Accrued Interest and Accounts Receivable	-3.27	0.78	-5.52	-3.57	0.91	-12
Changes in Accrued Expenses	94.27	63.19	6.3	2.12	0.23	-10.72
Changes in Other Operating Activities	-28.46	-27.06	-3.32	5.26	-4.87	-8.1
Operating Cash Flow	70.71	71.1	70.08	118.9	75.46	36.72
Operating Cash Flow Growth	53.86%	1.46%	-41.06%	57.56%	105.51%	-57.45%
Net Change in Loans Held-for-Investment	-723.78	-83.4	-153.11	-480.86	-503.75	-354.54
Net Change in Securities and Investments	-86.73	-212.54	8.8	128.04	-308.03	-224.62
Payments for Business Acquisitions	-	-	-	-	-5.5	-4.16
Capital Expenditures	-15.83	-8.1	-3.28	-3.52	-3.93	-3.08
Sale of Property, Plant & Equipment	0.32	0.43	-0.01	0.28	-	-
Other Investing Activities	-0.36	0.18	0.12	-	67.41	372.41
Investing Cash Flow	-798.82	-303.43	-147.48	-356.07	-753.8	-214
Net Change in Deposits	626.78	854.91	68.95	-60.99	447.67	574.97
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-403.81	24.28	379.53	-	-113.1
Long-Term Debt Issued	-	-	-	-	-	633.99
Long-Term Debt Repaid	-52.5	-	-	-	-242.09	-463.75
Net Long-Term Debt Issued (Repaid)	-52.5	-	-	-	-242.09	170.24
Issuance of Common Stock	1.07	-3.48	1.06	1.2	1.02	1.31
Repurchase of Common Stock	-7.99	-8.07	-15.74	-35.66	-31.01	-7.23
Net Common Stock Issued (Repurchased)	-6.92	-11.55	-14.68	-34.46	-29.99	-5.92
Common Dividends Paid	-3.52	-3.53	-3.56	-3.65	-3.78	-3.78
Financing Cash Flow	582.63	436.02	75	280.44	171.82	622.41
Net Cash Flow	-145.47	203.7	-2.4	43.27	-506.52	445.14
Free Cash Flow	54.89	63.01	66.81	115.38	71.54	33.65
Free Cash Flow Growth	-12.88%	-5.69%	-42.10%	61.30%	112.62%	-60.23%
FCF Margin	22.04%	28.56%	30.99%	48.86%	35.10%	21.44%
Free Cash Flow Per Share	3.09	3.53	3.70	6.21	3.71	1.76
Levered Free Cash Flow	33.55	66.43	48.04	79.58	-188.34	166.95
Unlevered Free Cash Flow	51.64	33.45	-0.82	5.34	-2.87	-29.48

Updated Nov 7, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q