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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Change in Cash
$480K
Free Cash flow
$48,591K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net increase in deposits
Principal repayments, maturities...
Increase/(decrease) in accrued e...
Others
Negative Cash Flow Breakdown
Net increase in loans, net of pa...
Purchase of securities available...
Deferred tax expense
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net interest income
63,921
59,896
56,542
144,368
Noninterest income
22,131
22,597
21,659
60,426
Total income
86,052
82,493
78,201
204,794
Provision For Doubtful Accounts
8,088
7,327
7,671
15,847
Provision for credit losses
8,088
7,327
7,671
15,847
Compensation and benefits
39,602
39,365
36,796
108,696
Premises and equipment expense
5,833
5,688
6,015
16,483
Depreciation expense
1,176
1,170
1,127
1,067
Federal Deposit Insurance Corporation Premium Expense Benefit
1,495
1,388
1,565
3,245
Fdic insurance expense
1,495
1,388
1,565
3,245
Professional and legal fees
1,532
-3,253
-
-
Trust Department Expense
1,189
1,180
-
-
Trust department expense
1,189
-2,066
-
-
Other noninterest expense
-
-
30,253
-
Other operating expense
4,840
-17,123
-
22,218
Total noninterest expense
-
-
230,686
-
Total operating expense
63,755
-106,710
-
169,477
Income before income tax expense
22,297
19,726
16,992
35,317
Income tax expense
6,325
5,573
4,833
10,150
Net income
15,972
14,153
12,159
9,631
Depreciation
1,176
1,170
1,127
1,067
Amortization of premium and accretion of discount on securities, net
-13
49
32
-6
Amortization of restricted stock
1,486
555
1,241
1,233
Amortization of intangible assets
243
244
271
273
Write-off of subordinated debt costs
0
938
-
-
Amortization of subordinated debt costs
0
32
49
48
Provision for credit losses
8,088
7,327
7,671
4,790
Deferred tax expense
-10,819
7,608
10,703
-228
Stock-based compensation and employee stock purchase plan expense
54
56
48
56
Fair value adjustment for equity security
-55
-84
56
125
Loss/(gain) on securities available for sale
0
-81
0
0
Loans originated for sale
3,152
12,596
4,645
5,726
Proceeds from sales of loans held for sale
8,591
9,647
8,650
3,132
Gain on loans held for sale
506
475
594
209
Loss/(gain) on loans held for sale at lower of cost or fair value
-
-
0
-364
Loss on disposal of fixed assets
-
-
-313
15
Gain on life insurance death benefit
-
-
8
-
Increase in cash surrender value of life insurance, net
175
135
-352
142
Increase in accrued interest receivable
945
1,144
-2,149
911
Decrease in other assets
-13,149
-505
12,650
5,818
Increase/(decrease) in accrued expenses and other liabilities
17,993
-3,406
-27,872
28,760
Net cash provided by operating activities
51,223
24,595
-1,124
36,186
Principal repayments, maturities and calls of securities available for sale
174,888
178,179
205,618
169,027
Principal repayments, maturities and calls of securities held to maturity
901
16,364
1,531
1,191
Redemptions of fhlb and frb stock
6,829
29,310
4,776
93
Proceeds from sales of securities available for sale
0
97,019
0
0
Purchase of securities available for sale
218,532
214,500
218,755
150,371
Purchase of fhlb and frb stock
5,590
28,875
7,994
13
Proceeds from sale of loans held for sale at lower of cost or fair value
-
-
-1,250
364
Net increase in loans, net of participations sold
247,737
191,973
241,293
217,848
Purchase of premises and equipment
2,632
1,294
2,521
2,186
Disposal of premises and equipment
-18
-61
274
-21
Net cash used in investing activities
-291,855
-115,709
-257,662
-200,450
Net increase in deposits
230,833
237,787
26,817
199,039
Net increase in short-term borrowings
11,024
-9,437
73,267
-
Dividends paid on preferred stock
195
-
-
-
Dividends paid on common stock
886
879
877
877
Exercise of stock options, net of stock swaps
-
-
0
-
Restricted stock repurchased on vesting to pay taxes
11
1,074
0
0
Repayment of subordinated debt
0
100,000
0
0
Equity adjustment related to reit minority interest
-
-
-58
-
Proceeds from issuance of preferred stock
0
30,000
0
-
Issuance of shares for employee stock purchase plan
347
311
271
352
Shares repurchased
-
-
0
2,666
Net cash provided by financing activities
241,112
156,708
99,420
195,848
Net increase/(decrease) in cash and cash equivalents
480
65,594
-159,366
31,584
Cash and cash equivalents at beginning of period
253,414
187,820
347,186
391,367
Cash and cash equivalents at end of period
253,894
253,414
187,820
347,186
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Net interest income
$63,921K
Noninterest income
$22,131K
Total income
$86,052K
Income before income
tax expense
$22,297K
Canceled cashflow
$63,755K
Net increase in
deposits
$230,833K
(-1.40%↓ Y/Y)
Net increase in
short-term borrowings
$11,024K
Increase/(decrease) in accrued
expenses and other...
$17,993K
(175.10%↑ Y/Y)
Net income
$15,972K
(2.81%↑ Y/Y)
Decrease in other assets
-$13,149K
(-321.85%↓ Y/Y)
Proceeds from sales of
loans held for sale
$8,591K
(-50.73%↓ Y/Y)
Issuance of shares for
employee stock purchase...
$347K
(-31.96%↓ Y/Y)
Canceled cashflow
$6,325K
Provision for credit
losses
$8,088K
(-26.85%↓ Y/Y)
Amortization of restricted
stock
$1,486K
(-47.79%↓ Y/Y)
Depreciation
$1,176K
(-38.78%↓ Y/Y)
Amortization of intangible
assets
$243K
(-55.25%↓ Y/Y)
Fair value
adjustment for equity...
-$55K
(-123.21%↓ Y/Y)
Stock-based compensation
and employee stock...
$54K
(-43.16%↓ Y/Y)
Amortization of premium and
accretion of discount on...
-$13K
(-122.03%↓ Y/Y)
Total operating
expense
$63,755K
Net cash provided by
financing activities
$241,112K
(24.40%↑ Y/Y)
Net cash provided by
operating activities
$51,223K
(534.73%↑ Y/Y)
Canceled cashflow
$1,092K
Canceled cashflow
$15,597K
Income tax expense
$6,325K
Compensation and benefits
$39,602K
Provision for credit
losses
$8,088K
(-26.85%↓ Y/Y)
Premises and equipment
expense
$5,833K
Other operating
expense
$4,840K
Professional and legal fees
$1,532K
Fdic insurance
expense
$1,495K
Trust department
expense
$1,189K
Depreciation expense
$1,176K
(-38.78%↓ Y/Y)
Net
increase/(decrease) in cash and cash...
$480K
(100.63%↑ Y/Y)
Canceled cashflow
$291,855K
Dividends paid on common
stock
$886K
(-49.86%↓ Y/Y)
Dividends paid on
preferred stock
$195K
Restricted stock
repurchased on vesting to pay...
$11K
(-99.12%↓ Y/Y)
Principal repayments,
maturities and calls of...
$174,888K
(-49.77%↓ Y/Y)
Redemptions of fhlb and frb
stock
$6,829K
(-69.26%↓ Y/Y)
Principal repayments,
maturities and calls of...
$901K
(-69.67%↓ Y/Y)
Disposal of premises and
equipment
-$18K
(-12.50%↓ Y/Y)
Deferred tax expense
-$10,819K
(-302.04%↓ Y/Y)
Loans originated for
sale
$3,152K
(-76.52%↓ Y/Y)
Increase in accrued
interest receivable
$945K
(-71.46%↓ Y/Y)
Gain on loans held for
sale
$506K
(-44.58%↓ Y/Y)
Increase in cash
surrender value of life...
$175K
(-32.17%↓ Y/Y)
Provision For Doubtful
Accounts
$8,088K
Federal Deposit
Insurance Corporation...
$1,495K
Trust Department
Expense
$1,189K
Net cash used in
investing activities
-$291,855K
(-5.12%↓ Y/Y)
Canceled cashflow
$182,636K
Net increase in
loans, net of...
$247,737K
(-19.82%↓ Y/Y)
Purchase of securities
available for sale
$218,532K
(-40.01%↓ Y/Y)
Purchase of fhlb and frb
stock
$5,590K
(-73.76%↓ Y/Y)
Purchase of premises and
equipment
$2,632K
(-72.61%↓ Y/Y)
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PEAPACK GLADSTONE FINANCIAL CORP (PGC)
PEAPACK GLADSTONE FINANCIAL CORP (PGC)