Peapack-Gladstone Financial (PGC) Cash Flow: Operating & Free Cash Flow

Peapack-Gladstone Financial (PGC) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Peapack-Gladstone Financial generated $43.13M of operating cash flow and spent $14.55M on capital expenditures. That left free cash flow of $28.58M, down 54.6% from $63.01M a year earlier, or 6.5% of revenue. It returned $10.21M to shareholders through $3.52M in dividends and $6.69M in share buybacks.

Peapack-Gladstone Financial Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Peapack-Gladstone Financial Corporation (PGC) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	37.33	32.99	48.85	74.25	56.62	26.19	47.43	44.17	36.50
Depreciation & Amortization	5.20	4.63	5.01	5.04	4.79	4.41	4.17	4.31	3.60
Deferred Income Tax	7.78	-14.30	-15.28	-6.64	9.45	8.23	10.01	17.04	14.12
Stock Based Compensation	0.20	0.15	0.18	0.15	7.18	0.22	0.16	0.19	0.12
Change in Working Capital	-40.54	36.60	-3.01	3.28	-4.35	-31.50	17.46	-11.54	-9.76
Change in Accounts Receivable	-2.07	0.78	-5.52	-3.57	0.91	-12.00	0.33	-1.36	-1.30
Change in Other Working Capital	5.88	35.82	11.60	24.64	-4.87	-19.50	17.14	-10.18	-8.47
Other Operating Activities	5.88	11.03	11.60	24.64	9.55	29.16	7.06	10.08	11.37
Net Cash from Operating Activities	43.13	71.10	70.08	118.90	75.46	36.72	86.30	64.25	55.94
Investing Activities
Capital Expenditures	-14.55	-8.10	-3.28	-3.52	-3.93	-3.08	-1.71	-1.06	-2.38
Acquisitions	0.00	0.00	0.00	0.00	-5.50	-4.16	-2.60	-3.50	-13.50
Purchases of Investments	-733.43	-899.67	-629.37	-420.17	-762.45	-452.05	-215.97	-156.89	-91.56
Sales/Maturities of Investments	781.70	668.46	638.54	565.93	453.66	217.07	208.63	98.86	66.45
Other Investing Activities	-769.48	-64.12	0.12	-498.31	67.41	28.22	-475.31	-235.11	-394.52
Net Cash from Investing Activities	-735.76	-303.43	-147.48	-356.07	-753.80	-214.00	-486.97	-297.71	-435.51
Financing Activities
Debt Repayment	-35.00	-403.81	24.28	379.53	-242.09	57.14	125.10	70.10	10.23
Common Stock Issued	1.13	0.00	1.06	0.00	1.02	0.00	0.00	16.68	36.59
Common Stock Repurchased	-6.69	-8.07	-15.74	-35.66	-31.01	-7.23	-22.11	-1.54	-1.83
Dividends Paid	-3.52	-3.53	-3.56	-3.65	-3.78	-3.78	-3.87	-3.71	-3.55
Other Financing Activities	-0.06	851.43	-3.24	-2.94	-2.38	576.28	348.95	199.26	288.89
Net Cash from Financing Activities	489.09	436.02	75.00	280.44	171.82	622.41	448.08	280.79	330.34
Summary
Net Change in Cash	-203.55	203.70	-2.40	43.27	-506.52	445.14	47.41	47.33	-49.24
Cash at Beginning of Period	391.37	187.67	190.08	146.80	653.32	208.19	160.77	113.45	162.69
Cash at End of Period	187.82	391.37	187.67	190.08	146.80	653.32	208.19	160.77	113.45
Free Cash Flow	28.58	63.01	66.80	115.38	71.54	33.65	84.59	63.19	53.56
Supplemental Disclosures
Interest Paid	-	170.80	141.17	33.16	22.36	-	-	-	-
Income Taxes Paid	-	17.67	18.47	25.00	16.08	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Peapack-Gladstone Financial Cash Flow

What is Peapack-Gladstone Financial's free cash flow?

Peapack-Gladstone Financial generated free cash flow of $28.58M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $43.13M minus $14.55M of capital expenditures. That was down 54.6% from $63.01M a year earlier. Free cash flow equaled 6.5% of revenue.

How much does Peapack-Gladstone Financial spend on capital expenditures?

Peapack-Gladstone Financial spent $14.55M on capital expenditures in fiscal 2025, compared with $8.10M a year earlier. That equals 33.7% of operating cash flow.

Does Peapack-Gladstone Financial pay dividends or buy back shares?

Yes. In fiscal 2025 Peapack-Gladstone Financial returned $3.52M in dividends and $6.69M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition