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Peapack Gladstone Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$6.2M in Q3 2026 · $62.0M over twelve months

Operating cash flow−$3.8M
Capital spending−$2.4M
Free cash flow−$6.2M
Cash / net income-0.2×

Analysis

In Q3 2026, Peapack Gladstone Financial generated −$3.8M of operating cash flow and spent $2.4M on capital projects, leaving free cash flow of −$6.2M. That is $40.2M less than in Q3 2025 ($34.0M).

Over the twelve months to Sep 30, 2026, operating cash flow was $70.9M; the largest uses were other investing ($1.2B), capital spending ($8.9M), dividends ($3.5M); besides operations, cash came from other financing ($1.0B), shares issued ($1.4M); the cash balance fell by $78.3M.

Operating cash flow was −$3.8M against net income of $18.9M — -0.2× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$40.8M, deferred taxes +$9.3M, accrued liabilities −$4.5M.

Free cash flow

Peapack Gladstone Financial: free cash flow by quarterPeapack Gladstone Financial: free cash flow by quarter$22.4MQ4 2024−$11.5MQ1 2025$9.9MQ2 2025$34.0MQ3 2025−$3.6MQ4 2025$23.3MQ1 2026$48.6MQ2 2026−$6.2MQ3 2026
Operating cash flow less capital spending.
Peapack Gladstone Financial: operating cash flow against capital spendingPeapack Gladstone Financial: operating cash flow against capital spendingOperating cash flowCapital spending$26.5M$4.0MQ4 2024−$7.9M$3.6MQ1 2025$15.9M$6.0MQ2 2025$36.2M$2.2MQ3 2025−$1.1M$2.5MQ4 2025$24.6M$1.3MQ1 2026$51.2M$2.6MQ2 2026−$3.8M$2.4MQ3 2026
Latest (Q3 2026): Operating cash flow −$3.8M, Capital spending $2.4M.

Capital allocation, year by year

Peapack Gladstone Financial: where the cash came from (up) and went (down), by fiscal yearPeapack Gladstone Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $75.5MFY2021: Net borrowing −$748KFY2021: Shares issued $187KFY2021: Capital spending −$3.9MFY2021: Acquisitions −$5.5MFY2021: Buybacks −$28.6MFY2021: Dividends −$3.8M$75.7MFY2021FY2022: Operating cash flow $119MFY2022: Net borrowing $758MFY2022: Shares issued $292KFY2022: Asset sales $277KFY2022: Capital spending −$3.5MFY2022: Buybacks −$32.7MFY2022: Dividends −$3.6M$878MFY2022FY2023: Operating cash flow $70.1MFY2023: Net borrowing $47.8MFY2023: Shares issued $42KFY2023: Capital spending −$3.3MFY2023: Buybacks −$12.5MFY2023: Dividends −$3.6M$118MFY2023FY2024: Operating cash flow $71.1MFY2024: Net borrowing −$404MFY2024: Shares issued −$3.5MFY2024: Capital spending −$8.1MFY2024: Buybacks −$7.2MFY2024: Dividends −$3.5M$71.1MFY2024FY2025: Operating cash flow $43.1MFY2025: Net borrowing $73.1MFY2025: Capital spending −$14.3MFY2025: Buybacks −$5.4MFY2025: Dividends −$3.5M$116MFY2025
Over these 5 years operating cash flow totalled $379M; the largest uses were net borrowing ($405M) and buybacks ($86.5M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$269M
Debt$281M
Net debt$12.2M
Cash runwaymore than 10 years

Peapack Gladstone Financial is burning cash: its operations consume cash, a free cash flow of −$24.9M a year at the current rate against $269M of cash and investments: a runway of more than ten years at that rate before any new financing.

Where the cash came from and went

Peapack Gladstone Financial: sources (+) and uses (−) of cash, Q3 2026Peapack Gladstone Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$505MOther financing$300MNet borrowing (+) / repaid (−)$206MShares issued$20.4MCash drawn (+) / kept (−)−$15.0MOperating cash flow−$3.8MCapital spending−$2.4MDividends−$886K
Peapack Gladstone Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Peapack Gladstone Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$1.2BOther financing$1.0BCash drawn (+) / kept (−)$78.3MOperating cash flow$70.9MCapital spending−$8.9MDividends−$3.5MShares issued$1.4MTaxes on employees’ shares−$1.1MNet borrowing (+) / repaid (−)−$141K

From profit to cash

Peapack Gladstone Financial: net income to operating cash flow, Q3 2026Peapack Gladstone Financial: net income to operating cash flow, Q3 2026Net income$18.9MDepreciation & amortization$1.5MDeferred taxes$9.3MAccrued liabilities−$4.5MPrepaid and other assets−$40.8MOperating cash flow−$3.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026−$3.8M−$2.4M—−$886K$206M$20.4M−$15.0M−$6.2M
Q2 2026$51.2M−$2.6M—−$886K$11.0M$347K−$480K$48.6M
Q1 2026$24.6M−$1.3M—−$879K−$9.5M$30.3M−$65.6M$23.3M
Q4 2025−$1.1M−$2.5M—−$877K−$35K$271K$159M−$3.6M
Q3 2025$36.2M−$2.2M−$2.7M−$877K−$36K$352K−$31.6M$34.0M
Q2 2025$15.9M−$6.0M—−$887K−$35K$285K−$83.7M$9.9M
Q1 2025−$7.9M−$3.6M—−$880K−$35K$225K$159M−$11.5M
Q4 2024$26.5M−$4.0M—−$874K−$35K$205K$101M$22.4M

Peapack Gladstone Financial: income statement and cash flow

Peapack Gladstone Financial, Q3 2026: revenue $87.5M (+24% year over year), operating margin 27.3%. The chart follows the revenue to costs, profit and cash.

Peapack Gladstone Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.