PNFPP: the cash flow

Cash Flow Overview

Change in Cash

-$170,315K

Free Cash flow

$576,923K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

Net income

472,084

Net amortization/accretion of premium/discount on securities

-31,895

Depreciation, amortization and accretion, net

83,525

Provision for credit losses

73,144

Gain on mortgage loans sold, net

6,300

Investment losses on sales, net

-12,512

Gain on other equity investments, net

7,233

Stock-based compensation expense

32,527

Deferred tax benefit

-22,938

Losses on dispositions of other real estate and other investments

-214

Gain on sale of fixed assets

412

Income from equity method investment

87,046

Dividends received from equity method investment

134,644

Excess tax benefit from stock compensation

-3,978

Gain on commercial loans sold, net

971

Loans held-for-sale originated-Commercial Loan

159,853

Loans held-for-sale sold-Commercial Loan

168,256

Loans held-for-sale originated-Consumer Loan

2,304,715

Loans held-for-sale sold-Consumer Loan

2,323,513

Increase in other assets

60,626

Decrease in other liabilities

-34,951

Net cash provided by operating activities

643,291

Purchases

1,609,676

Sales

188,486

Maturities, prepayments and calls

660,059

Maturities, prepayments and calls

132,433

Proceeds from (payments for) securities purchased under agreements to resell

-16,671

Proceeds from sale, loan and lease, held-for-investment abstract

2,522,470

Proceeds from sale, loan and lease, held-for-investment

9,131

Purchases of software, premises and equipment

66,368

Proceeds from sales of software, premises and equipment

7,913

Proceeds from sale of other real estate

3,237

Purchase of bank owned life insurance policies

150,000

Proceeds from bank owned life insurance settlements

3,365

Proceeds from life insurance policy

Payments for (proceeds from) derivative instrument, investing activities

66,596

Proceeds from sale of federal home loan bank stock

11,306

Payments to acquire intangible assets

900

Increase in other investments, net

171,289

Net cash used in investing activities

-3,588,040

Net increase in deposits

2,884,148

Net increase in securities sold under agreements to repurchase

95,329

Federal home loan bank advances

Federal home loan bank repayments/maturities

116,329

Principal payments of finance lease obligation

240

Restricted shares withheld for taxes & related tax benefits

-7,124

Issuance of common stock pursuant to rsu and psu agreements, net of shares withheld for taxes & related tax benefits

-13,351

Common stock dividends paid

56,605

Preferred stock dividends paid

11,394

Net cash provided by financing activities

2,774,434

Net increase (decrease) in cash, cash equivalents, and restricted cash

-170,315

Cash and cash equivalents at beginning of period

3,435,925

Cash and cash equivalents at end of period

3,265,610

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow Overview

Change in Cash

-$170,315K

Free Cash flow

$576,923K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

Net income

472,084

Net amortization/accretion of premium/discount on securities

-31,895

Depreciation, amortization and accretion, net

83,525

Provision for credit losses

73,144

Gain on mortgage loans sold, net

6,300

Investment losses on sales, net

-12,512

Gain on other equity investments, net

7,233

Stock-based compensation expense

32,527

Deferred tax benefit

-22,938

Losses on dispositions of other real estate and other investments

-214

Gain on sale of fixed assets

412

Income from equity method investment

87,046

Dividends received from equity method investment

134,644

Excess tax benefit from stock compensation

-3,978

Gain on commercial loans sold, net

971

Loans held-for-sale originated-Commercial Loan

159,853

Loans held-for-sale sold-Commercial Loan

168,256

Loans held-for-sale originated-Consumer Loan

2,304,715

Loans held-for-sale sold-Consumer Loan

2,323,513

Increase in other assets

60,626

Decrease in other liabilities

-34,951

Net cash provided by operating activities

643,291

Purchases

1,609,676

Sales

188,486

Maturities, prepayments and calls

660,059

Maturities, prepayments and calls

132,433

Proceeds from (payments for) securities purchased under agreements to resell

-16,671

Proceeds from sale, loan and lease, held-for-investment abstract

2,522,470

Proceeds from sale, loan and lease, held-for-investment

9,131

Purchases of software, premises and equipment

66,368

Proceeds from sales of software, premises and equipment

7,913

Proceeds from sale of other real estate

3,237

Purchase of bank owned life insurance policies

150,000

Proceeds from bank owned life insurance settlements

3,365

Proceeds from life insurance policy

Payments for (proceeds from) derivative instrument, investing activities

66,596

Proceeds from sale of federal home loan bank stock

11,306

Payments to acquire intangible assets

900

Increase in other investments, net

171,289

Net cash used in investing activities

-3,588,040

Net increase in deposits

2,884,148

Net increase in securities sold under agreements to repurchase

95,329

Federal home loan bank advances

Federal home loan bank repayments/maturities

116,329

Principal payments of finance lease obligation

240

Restricted shares withheld for taxes & related tax benefits

-7,124

Issuance of common stock pursuant to rsu and psu agreements, net of shares withheld for taxes & related tax benefits

-13,351

Common stock dividends paid

56,605

Preferred stock dividends paid

11,394

Net cash provided by financing activities

2,774,434

Net increase (decrease) in cash, cash equivalents, and restricted cash

-170,315

Cash and cash equivalents at beginning of period

3,435,925

Cash and cash equivalents at end of period

3,265,610

Time Plot

Show the time plot by selecting a row from the table.