Peapack-Gladstone Financial Corporation (PGC)

PGC Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	43.88	37.33	32.99	48.85	74.25	56.62
Depreciation & Amortization	5.46	5.2	4.63	5.01	5.04	4.79
Provision for Credit Losses	26.37	23.52	7.5	14.09	6.35	6.48
Stock-Based Compensation	4.46	5.52	5.94	10.93	8.53	7.18
Net Change in Loans Held-for-Sale	2.2	5.42	-0.42	11.36	23.71	-5.42
Other Adjustments	13.19	6.64	-16.45	-17.61	-2.79	9.55
Changes in Accrued Interest and Accounts Receivable	-1.15	-2.07	0.78	-5.52	-3.57	0.91
Changes in Accrued Expenses	-2.82	-23.07	63.19	6.3	2.12	0.23
Changes in Other Operating Activities	-16	-15.35	-27.06	-3.32	5.26	-4.87
Operating Cash Flow	75.6	43.13	71.1	70.08	118.9	75.46
Operating Cash Flow Growth	71.35%	-39.34%	1.46%	-41.06%	57.56%	105.51%
Net Change in Loans Held-for-Investment	-722.13	-768.13	-83.4	-153.11	-480.86	-503.75
Net Change in Securities and Investments	154.17	46.04	-212.54	8.8	128.04	-308.03
Payments for Business Acquisitions	-	-	-	-	-	-5.5
Capital Expenditures	-12.01	-14.32	-8.1	-3.28	-3.52	-3.93
Sale of Property, Plant & Equipment	-0.18	-0.24	0.43	-0.01	0.28	-
Other Investing Activities	0.89	0.89	0.18	0.12	-	67.41
Investing Cash Flow	-579.26	-735.76	-303.43	-147.48	-356.07	-753.8
Net Change in Deposits	540.21	459.96	854.91	68.95	-60.99	447.67
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	63.83	73.27	-403.81	24.28	379.53	-
Long-Term Debt Repaid	-100	-35	-	-	-	-242.09
Net Long-Term Debt Issued (Repaid)	-100	-35	-	-	-	-242.09
Issuance of Common Stock	1.22	1.13	-3.48	1.06	1.2	1.02
Repurchase of Common Stock	-5.14	-6.69	-8.07	-15.74	-35.66	-31.01
Net Common Stock Issued (Repurchased)	-3.92	-5.56	-11.55	-14.68	-34.46	-29.99
Issuance of Preferred Stock	30	-	-	-	-	-
Net Preferred Stock Issued (Repurchased)	30	-	-	-	-	-
Common Dividends Paid	-3.52	-3.52	-3.53	-3.56	-3.65	-3.78
Other Financing Activities	-	-0.06	-	-	-	-
Financing Cash Flow	525.16	489.09	436.02	75	280.44	171.82
Net Cash Flow	21.5	-203.55	203.7	-2.4	43.27	-506.52
Free Cash Flow	63.59	28.82	63.01	66.81	115.38	71.54
Free Cash Flow Growth	120.69%	-54.27%	-5.69%	-42.10%	61.30%	112.62%
FCF Margin	23.14%	11.11%	28.56%	30.99%	48.86%	35.10%
Free Cash Flow Per Share	3.59	1.62	3.53	3.70	6.21	3.71
Levered Free Cash Flow	-82.63	-47.28	66.43	48.04	79.58	-188.34
Unlevered Free Cash Flow	-26.52	-49.61	33.45	-0.82	5.34	-2.87

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q