For the year ending 2025-12-31, BPRN had $18,338K increase in cash & cash equivalents over the period. $20,601K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 18,611 |
| Provision for credit losses | 6,654 |
| Depreciation and amortization | 1,793 |
| Stock-based compensation expense | 1,314 |
| Amortization of premiums and accretion of discounts on securities, net | -191 |
| Accretion of net deferred loan fees and costs, including premiums and discounts | 5,400 |
| Loss (gain) on call/sale of securities available-for-sale | 0 |
| Increase in cash surrender value of bank-owned life insurance | 1,496 |
| Deferred income tax | 1,963 |
| Amortization of core deposit intangible | 856 |
| Decrease in accrued interest receivable and other assets | -4,367 |
| (decrease) in accrued interest payable and other liabilities | -7,363 |
| Net cash provided by operating activities | 21,490 |
| Purchases ofavailable-for-salesecurities | 11,591 |
| Maturities, calls and principal repayments of securities available-for-sale | 81,134 |
| Maturities, calls and principal repayments of securitiesheld-to-maturity | 8 |
| Net decrease in loans | 2,090 |
| Cash received from acquisition | 0 |
| Purchases of premises and equipment | 889 |
| Purchases (redemption) of bank-owned life insurance | -2,798 |
| Purchases of equity method investments | 870 |
| Purchases of restricted bank stock | 291 |
| Net cash provided by (used in) investment activities | 68,209 |
| Net (decrease) increase in deposits | -56,432 |
| Cash dividends | 8,665 |
| Share redemption for tax withholding on restricted stock vesting | 228 |
| Purchase of treasury stock | 7,865 |
| Proceeds from exercise of stock options | 1,829 |
| Net cash (used in) provided by financing activities | -71,361 |
| Net increase (decrease) in cash and cash equivalents | 18,338 |
| Cash and cash equivalents, beginning of period | 117,348 |
| Cash and cash equivalents, end of period | 135,686 |
Princeton Bancorp, Inc. (BPRN)
Princeton Bancorp, Inc. (BPRN)