For the quarter ending 2025-09-30, BPRN had $51,798K increase in cash & cash equivalents over the period. $4,657K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 6,466 | 6,066 |
| Provision for credit losses | -672 | 7,224 |
| Depreciation and amortization | 447 | 894 |
| Stock-based compensation expense | 322 | 619 |
| Amortization of premiums and accretion of discounts on securities, net | 2 | -142 |
| Accretion of net deferred loan fees and costs | 1,654 | 2,600 |
| Loss on call/sale of securities available-for-sale | 0 | - |
| Increase in cash surrender value of bank-owned life insurance | 506 | 965 |
| Deferred income (benefit) tax | 559 | 743 |
| Amortization of core deposit intangible | 209 | 447 |
| Decrease in accrued interest receivable and other assets | -3,083 | -90 |
| (decrease) increase in accrued interest payable and other liabilities | -3,361 | -8,267 |
| Net cash provided by operating activities | 4,891 | 4,393 |
| Purchases ofavailable-for-salesecurities | 0 | 11,590 |
| Maturities, calls and principal repayments of securities available-for-sale | 15,808 | 36,504 |
| Maturities, calls and principal repayments of securitiesheld-to-maturity | 2 | 4 |
| Net decrease (increase) in loans | -48,183 | 27,571 |
| Cash received from acquisition | 0 | - |
| Purchases of premises and equipment | 234 | 451 |
| Exchange of bank owned life insurance | 2,798 | - |
| (purchases) of equity method investments | 0 | 670 |
| (purchases) redemption of restricted bank stock | -475 | 741 |
| Exchange purchase bank owned life insurance | - | 2,798 |
| Net cash used in investment activities | 64,234 | -1,717 |
| Net (decrease) increase in deposits | -3,787 | -100,253 |
| Cash dividends | 2,124 | 4,149 |
| Share redemption for tax witholding on restricted stock vesting | 0 | 227 |
| Purchase of treasury stock | 1,918 | 5,643 |
| Proceeds from overnight borrowings | - | -10,000 |
| Proceeds from exercise of stock options | 502 | 1,342 |
| Net cash (used) provided by financing activities | -17,327 | -98,930 |
| Net (decrease) increase in cash and cash equivalents | 51,798 | -96,254 |
| Cash and cash equivalents at beginning of period | 117,348 | - |
| Cash and cash equivalents at end of period | 72,892 | - |
Princeton Bancorp, Inc. (BPRN)
Princeton Bancorp, Inc. (BPRN)