For the year ending 2025-12-31, PEBO had -$28,713K decrease in cash & cash equivalents over the period. $128,700K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 106,778 |
| Depreciation, amortization and accretion, net | 14,477 |
| Provision for credit losses | 42,162 |
| Bank owned life insurance income | 4,561 |
| Net loss on investment securities | -2,659 |
| Fair value adjustment on equity investment securities | -17 |
| Loans originated for sale | 41,298 |
| Proceeds from sales of loans | 41,811 |
| Net gains on sales of loans | 861 |
| Deferred income (benefit) tax expense | -1,207 |
| Increase (decrease) in accrued expenses | 1,495 |
| Decrease (increase) in interest receivable | 870 |
| (decrease) increase in other assets | 1,773 |
| (decrease) increase in interest payable | -2,241 |
| Increase in operating lease assets | 11,568 |
| Change in lease right-of-use assets and lease liabilities | 23 |
| Stock-based compensation | 6,909 |
| (decrease) increase in net derivatives | 13,136 |
| Other, net | 4,090 |
| Net cash provided by operating activities | 134,726 |
| Purchases | 68,573 |
| Proceeds from sales | 89,155 |
| Proceeds from principal payments, calls and prepayments | 128,319 |
| Purchases | 356,735 |
| Proceeds from principal payments | 210,440 |
| Purchases | 60,344 |
| Proceeds from sales | 52,273 |
| Net (increase) decrease in loans held for investment | 418,239 |
| Net expenditures for premises and equipment | 6,026 |
| Proceeds from sales of other real estate owned | 5,298 |
| Proceeds from bank owned life insurance | 0 |
| Business acquisitions, net of cash received | 0 |
| Investment in limited partnership and tax credit funds | 0 |
| Other, net | 17 |
| Net cash used in investing activities | -424,449 |
| Net increase (decrease) in non-interest-bearing deposits | 37,767 |
| Net (decrease) increase in interest-bearing deposits | -18,357 |
| Net increase (decrease) in short-term borrowings | 336,811 |
| Proceeds from long-term borrowings | 13,481 |
| Payments on long-term borrowings | 49,187 |
| Cash dividends paid | 58,136 |
| Repurchase of treasury stock under share repurchase program | 838 |
| Purchase of treasury stock in connection with employee incentive program and compensation plan for boards of directors to be held as treasury stock | 2,481 |
| Proceeds from issuance of common shares | 1,670 |
| Other | 280 |
| Net cash provided by (used in) financing activities | 261,010 |
| Net (decrease) increase in cash and cash equivalents | -28,713 |
| Cash and cash equivalents at beginning of period | 217,664 |
| Cash and cash equivalents at end of period | 188,951 |
PEOPLES BANCORP INC (PEBO)
PEOPLES BANCORP INC (PEBO)