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PGC logoPeapack-Gladstone Financial Corporation(PGC)Earnings, Financials & Key Ratios

PGC•NASDAQ•Banking & Credit
21.9× P/E·Price updated Jun 13, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutPeapack-Gladstone Financial Corporation operates as the bank holding company for Peapack-Gladstone Bank that provides private banking and wealth management services in the United States. The company operates in two segments, Banking and Peapack Private. It offers checking and savings accounts, money market and interest-bearing checking accounts, certificates of deposit, and individual retirement accounts. The company also provides working capital lines of credit, term loans for fixed asset acquisitions, commercial mortgages, multi-family mortgages, and other forms of asset-based financing services; and residential mortgages, home equity lines of credit, and other second mortgage loans. In addition, it offers corporate and industrial (C&I) and equipment finance, commercial real estate, multifamily, residential, and consumer lending activities; treasury management services; C&I advisory services; escrow management; deposit generation; asset and investment management services; personal trust services, including services as executor, trustee, administrator, custodian, and guardian; and other financial planning, tax preparation, and advisory services. Further, the company provides telephone and Internet banking, merchant credit card, and customer support sales services. Its private banking clients include businesses, non-profits, and consumers; and wealth management clients comprise individuals, families, foundations, endowments, trusts, and estates. The company operates its private banking locations in Bedminster, Morristown, Princeton, and Teaneck, New Jersey; and wealth management branches in Somerset, Morris, Hunterdon, and Union counties, as well as operates automated teller machines at 20 locations. Peapack-Gladstone Financial Corporation was founded in 1921 and is headquartered in Bedminster, New Jersey.Show more
  • Net Interest Income$201M+34.8%
  • Total Revenue$441M+9.5%
  • Net Income$37M+13.2%
  • Return on Equity5.91%+6.5%
  • Net Interest Margin2.67%+25.6%
  • Efficiency Ratio46.2%+8.4%
  • ROA0.51%+5.0%
  • Equity / Assets8.75%+1.2%
  • Book Value per Share37.18+9.5%
  • Tangible BV/Share34.70+10.4%
  • Debt/Equity0.40+34.1%

PGC Key Insights

Peapack-Gladstone Financial Corporation (PGC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 8/9
  • ✓Efficient operations: 46.2% efficiency ratio
  • ✓Momentum leader: RS Rating 88 (top 12%)
  • ✓Trading near 52-week high
  • ✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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PGC Price & Volume

Peapack-Gladstone Financial Corporation (PGC) stock price & volume — 10-year historical chart

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PGC Growth Metrics

Peapack-Gladstone Financial Corporation (PGC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years13.87%
5 Years14.17%
3 Years17.12%
TTM-

Profit CAGR

10 Years6.45%
5 Years7.34%
3 Years-20.49%
TTM13.15%

EPS CAGR

10 Years5.04%
5 Years9.02%
3 Years-19.2%
TTM14.05%

Return on Capital

10 Years8.79%
5 Years8.75%
3 Years6.72%
Last Year4.84%

PGC Recent Earnings

Peapack-Gladstone Financial Corporation (PGC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (60%)●Beat Revenue 2/12 qtrs (22%)
Q2 2026Latest
Apr 22, 2026
EPS
$0.80
Est $0.66
+21.2%
Revenue
$83M
Est $79M
+4.4%
Q1 2026
Feb 24, 2026
EPS
$0.69
Est $0.65
+5.7%
Revenue
$116M
Q1 2026
Jan 29, 2026
EPS
$0.69
Est $0.65
+6.2%
Revenue
$78M
Est $78M
+0.0%
Q4 2025
Nov 7, 2025
EPS
$0.54
Est $0.59
-8.5%
Revenue
$70M
Est $72M
-2.9%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$0.80vs $0.66+21.2%
$83Mvs $79M+4.4%
Q1 2026Feb 24, 2026
$0.69vs $0.65+5.7%
$116M
Q1 2026Jan 29, 2026
$0.69vs $0.65+6.2%
$78Mvs $78M+0.0%
Q4 2025Nov 7, 2025
$0.54vs $0.59-8.5%
$70Mvs $72M-2.9%
Based on last 12 quarters of dataView full earnings history →

PGC Peer Comparison

Peapack-Gladstone Financial Corporation (PGC) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.52B48.1814.4710.36%18.76%9.51%0.17
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.97B75.2414.78-3.05%21.14%10.65%0.11
CNOB logoCNOBConnectOne Bancorp, Inc.Direct Competitor1.65B32.7722.1413.44%11.89%5.49%0.74
OCFC logoOCFCOceanFirst Financial Corp.Direct Competitor1.07B18.6015.90-4.7%10.75%4.26%0.98
NFBK logoNFBKNorthfield Bancorp, Inc.Direct Competitor617.27M14.78746.46-26.69%0.3%0.11%1.44
WTFC logoWTFCWintrust Financial CorporationProduct Competitor10.74B159.2613.786.66%19.48%11.71%0.62
UMBF logoUMBFUMB Financial CorporationProduct Competitor10.31B135.3714.8368.52%19.79%11.67%0.49
FULT logoFULTFulton Financial CorporationProduct Competitor4.5B23.3611.235.03%20.7%11.6%0.37

Compare PGC vs Peers

Peapack-Gladstone Financial Corporation (PGC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for PGC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare PGC against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, WSFS, CNOB, OCFC

PGC Income Statement

Peapack-Gladstone Financial Corporation (PGC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
111.14M115.16M120.27M127.6M138.06M176.08M156.09M149.01M200.91M
NII Growth %
15.25%3.62%4.44%6.09%8.2%27.54%-11.35%-4.54%34.83%
Net Interest Margin %
2.61%2.49%2.32%2.17%2.27%2.77%2.41%2.13%2.67%
Interest Income
138.73M159.69M180.67M165.75M160.07M211.88M304.01M327.8M362.52M
Interest Expense
27.59M44.52M60.4M38.15M22.01M35.8M147.92M178.79M161.62M
Loan Loss Provision
5.85M3.55M4M36.83M6.47M6.35M14.09M7.5M23.52M
Non-Interest Income
34.63M43.96M54.7M61.76M68.71M62.85M69.74M75.11M78.84M
Non-Interest Income %
19.97%21.59%23.24%27.15%30.03%22.88%18.66%18.64%17.86%
Total Revenue
173.35M▲ 0%
203.65M▲ 17.5%
235.37M▲ 15.6%
227.51M▼ 3.3%
228.78M▲ 0.6%
274.72M▲ 20.1%
373.75M▲ 36.0%
402.91M▲ 7.8%
441.36M▲ 9.5%
Revenue Growth %
20.44%17.47%15.58%-3.34%0.56%20.08%36.05%7.8%9.54%
Non-Interest Expense
85.61M97.85M104.85M120.53M122.64M130.23M144.46M171.66M203.92M
Efficiency Ratio
49.39%48.05%44.55%52.98%53.6%47.4%38.65%42.61%46.2%
Operating Income
54.31M▲ 0%
57.72M▲ 6.3%
66.12M▲ 14.6%
32M▼ 51.6%
77.66M▲ 142.7%
102.34M▲ 31.8%
67.28M▼ 34.3%
44.95M▼ 33.2%
52.31M▲ 16.4%
Operating Margin %
31.33%28.34%28.09%14.07%33.95%37.25%18%11.16%11.85%
Operating Income Growth %
27.06%6.28%14.56%-51.6%142.67%31.78%-34.26%-33.19%16.37%
Pretax Income
54.31M▲ 0%
57.72M▲ 6.3%
66.12M▲ 14.6%
32M▼ 51.6%
77.66M▲ 142.7%
102.34M▲ 31.8%
67.28M▼ 34.3%
44.95M▼ 33.2%
52.31M▲ 16.4%
Pretax Margin %
31.33%28.34%28.09%14.07%33.95%37.25%18%11.16%11.85%
Income Tax
17.81M13.55M18.69M5.81M21.04M28.1M18.43M11.96M14.98M
Effective Tax Rate %
32.8%23.48%28.26%18.16%27.09%27.45%27.39%26.62%28.64%
Net Income
36.5M▲ 0%
44.17M▲ 21.0%
47.43M▲ 7.4%
26.19M▼ 44.8%
56.62M▲ 116.2%
74.25M▲ 31.1%
48.85M▼ 34.2%
32.99M▼ 32.5%
37.33M▲ 13.2%
Net Margin %
21.05%21.69%20.15%11.51%24.75%27.03%13.07%8.19%8.46%
Net Income Growth %
37.84%21.02%7.39%-44.78%116.18%31.13%-34.2%-32.48%13.15%
Net Income (Continuing)
36.5M44.17M47.43M26.19M56.62M74.25M48.85M32.99M37.33M
EPS (Diluted)
2.03▲ 0%
2.31▲ 13.8%
2.44▲ 5.6%
1.37▼ 43.9%
2.93▲ 113.9%
4.00▲ 36.5%
2.71▼ 32.3%
1.85▼ 31.7%
2.11▲ 14.1%
EPS Growth %
26.88%13.79%5.63%-43.85%113.87%36.52%-32.25%-31.73%14.05%
EPS (Basic)
2.062.332.461.393.014.092.741.872.12
Diluted Shares Outstanding
17.94M19.15M19.41M19.08M19.29M18.57M18.05M17.84M17.71M

PGC Balance Sheet

Peapack-Gladstone Financial Corporation (PGC) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
440.98M538.61M598.84M1.28B943.56M744.72M738.29M441.51M782.91M
Cash & Due from Banks
113.35M160.67M208.08M653.22M146.8M190.07M187.67M391.37M8.71M
Short Term Investments
327.63M377.94M390.75M622.69M796.75M554.65M550.62M50.15M774.2M
Total Investments
4B4.28B4.77B4.98B5.7B5.91B6.04B6.35B6.42B
Investments Growth %
11.43%7.02%11.51%4.31%14.62%3.64%2.23%5.05%1.21%
Long-Term Investments
3.67B3.9B4.38B4.35B4.91B5.36B5.49B6.3B6.2B
Accounts Receivables
9.45M10.81M10.49M22.5M21.59M25.16M30.68M29.9M31.97M
Goodwill & Intangibles
23.84M32.4M40.59M43.89M48.9M47.33M46.01M44.93M43.84M
Goodwill
17.11M24.42M30.21M33.1M36.21M36.21M36.21M36.21M36.21M
Intangible Assets
6.73M7.98M10.38M10.79M12.69M11.12M9.8M8.71M7.63M
PP&E (Net)
29.48M27.41M38.12M35.36M36.4M39.54M38.35M70.16M79.89M
Other Assets
87.08M109.36M115.99M160.43M122.06M141.52M131.87M111.36M-6.2B
Total Current Assets
450.43M549.42M609.33M1.3B965.15M769.88M768.96M471.41M814.89M
Total Non-Current Assets
3.81B4.07B4.57B4.59B5.11B5.58B5.71B6.54B123.73M
Total Assets
4.26B▲ 0%
4.62B▲ 8.4%
5.18B▲ 12.2%
5.89B▲ 13.7%
6.08B▲ 3.2%
6.35B▲ 4.5%
6.48B▲ 1.9%
7.01B▲ 8.3%
7.53B▲ 7.3%
Asset Growth %
9.85%8.39%12.24%13.65%3.18%4.53%1.94%8.25%7.35%
Return on Assets (ROA)
0.9%1%0.97%0.47%0.95%1.19%0.76%0.49%0.51%
Accounts Payable
007.95M000018.51M0
Total Debt
129.99M199.56M336.54M213.28M148.63M530.92M553.39M178.48M260.07M
Net Debt
16.65M38.88M128.46M-439.94M1.83M340.84M365.72M-212.89M251.36M
Long-Term Debt
120.92M191.19M188.42M181.79M132.7M132.99M133.27M133.56M142.32M
Short-Term Debt
00128.1M15M0379.53M403.81M073.27M
Other Liabilities
000177.09M0000532.89M
Total Current Liabilities
3.73B3.93B4.44B4.95B5.34B5.65B5.74B6.23B6.15B
Total Non-Current Liabilities
129.99M215.58M234.59M408.35M187.95M166.82M149.58M178.48M719.7M
Total Liabilities
3.86B4.15B4.68B5.36B5.53B5.82B5.89B6.41B6.87B
Total Equity
403.68M▲ 0%
469.01M▲ 16.2%
503.65M▲ 7.4%
527.12M▲ 4.7%
546.39M▲ 3.7%
532.98M▼ 2.5%
583.68M▲ 9.5%
605.85M▲ 3.8%
658.21M▲ 8.6%
Equity Growth %
24.51%16.18%7.39%4.66%3.65%-2.45%9.51%3.8%8.64%
Equity / Assets (Capital Ratio)
9.47%10.16%9.72%8.95%8.99%8.39%9.01%8.64%8.75%
Return on Equity (ROE)
10.03%10.12%9.75%5.08%10.55%13.76%8.75%5.55%5.91%
Book Value per Share
22.5024.4925.9527.6328.3228.7032.3433.9637.18
Tangible BV per Share
21.1722.8023.8625.3325.7926.1629.7931.4434.70
Common Stock
15.86M16.46M16.73M16.96M17.22M17.51M17.83M17.95M18.1M
Additional Paid-in Capital
283.55M309.09M319.38M326.59M332.36M338.71M346.95M348.26M353.27M
Retained Earnings
114.47M154.8M199.03M221.44M274.29M348.8M394.09M423.55M457.36M
Accumulated OCI
-1.21M-2.35M-1.5M-1.39M-12.37M-74.21M-64.88M-66.41M-47.56M
Treasury Stock
-8.99M-8.99M-29.99M-36.48M-65.1M-97.83M-110.32M-117.51M-122.95M
Preferred Stock
000000000

PGC Cash Flow Statement

Peapack-Gladstone Financial Corporation (PGC) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
55.94M64.25M86.3M36.72M75.46M118.9M70.08M71.1M43.13M
Operating CF Growth %
30.31%14.86%34.32%-57.45%105.51%57.56%-41.06%1.46%-39.34%
Net Income
36.5M44.17M47.43M26.19M56.62M74.25M48.85M32.99M37.33M
Depreciation & Amortization
3.6M4.31M4.17M4.41M4.79M5.04M5.01M4.63M469K
Deferred Taxes
14.12M17.04M10.01M8.22M9.45M-6.64M-15.28M-14.3M0
Other Non-Cash Items
11.37M10.08M7.06M29.16M8.83M42.83M34.32M11.03M45.83M
Working Capital Changes
-9.76M-11.54M17.46M-31.5M-4.35M3.28M-3M36.6M-40.49M
Cash from Investing
-435.51M-297.71M-486.96M-214M-753.8M-356.07M-147.48M-303.43M-735.76M
Purchase of Investments
-91.56M-156.89M-215.97M-452.05M-762.45M-420.17M-629.37M-899.67M0
Sale/Maturity of Investments
66.45M98.86M208.63M217.07M453.76M565.93M638.54M668.46M0
Net Investment Activity
-25.11M-58.04M-7.35M-234.98M-308.69M145.76M9.17M-231.21M0
Acquisitions
-13.5M-3.5M-2.6M-4.16M-5.5M0000
Other Investing
-394.52M-235.11M-475.31M28.22M-435.58M-498.31M-153.37M-64.12M-735.76M
Cash from Financing
330.33M280.79M448.08M622.41M171.82M280.44M75M436.02M489.08M
Dividends Paid
-3.55M-3.71M-3.87M-3.78M-3.77M-3.65M-3.56M-3.53M-3.52M
Share Repurchases
-1.83M-1.54M-22.11M-7.23M-31.01M-35.66M-15.74M-8.07M-5.5M
Stock Issued
36.59M16.68M0000001.13M
Net Stock Activity
34.76M15.14M-22.11M-7.23M-31.01M-35.66M-15.74M-8.07M-4.37M
Debt Issuance (Net)
1000K1000K1000K1000K-1000K1000K1000K-1000K1000K
Other Financing
288.89M199.26M348.95M576.28M448.69M-59.79M70.01M851.43M458.71M
Net Change in Cash
-49.24M▲ 0%
47.33M▲ 196.1%
47.41M▲ 0.2%
445.14M▲ 838.9%
-506.52M▼ 213.8%
43.27M▲ 108.5%
-2.4M▼ 105.6%
203.7M▲ 8573.2%
-4.27M▼ 102.1%
Exchange Rate Effect
00000000203.55M
Cash at Beginning
162.69M113.45M160.77M208.19M653.32M146.8M190.07M187.67M20.14M
Cash at End
113.45M160.77M208.19M653.32M146.8M190.07M187.67M391.37M15.87M
Interest Paid
26.51M42.77M60.29M38.28M22.36M33.16M141.17M170.8M163.97M
Income Taxes Paid
11.6M3.6M3.6M9.79M16.08M25M18.47M17.67M19.68M
Free Cash Flow
53.55M▲ 0%
63.19M▲ 18.0%
84.59M▲ 33.9%
33.65M▼ 60.2%
71.53M▲ 112.6%
115.38M▲ 61.3%
66.8M▼ 42.1%
63.01M▼ 5.7%
28.58M▼ 54.6%
FCF Growth %
34.87%17.99%33.87%-60.23%112.62%61.3%-42.11%-5.68%-54.64%

PGC Banking Ratios

Peapack-Gladstone Financial Corporation (PGC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)8.83%10.03%10.12%9.75%5.08%10.55%13.76%8.75%5.55%5.91%
Return on Assets (ROA)0.73%0.9%1%0.97%0.47%0.95%1.19%0.76%0.49%0.51%
Net Interest Margin2.49%2.61%2.49%2.32%2.17%2.27%2.77%2.41%2.13%2.67%
Efficiency Ratio50.77%49.39%48.05%44.55%52.98%53.6%47.4%38.65%42.61%46.2%
Equity / Assets8.36%9.47%10.16%9.72%8.95%8.99%8.39%9.01%8.64%8.75%
Book Value / Share19.6322.524.4925.9527.6328.3228.732.3433.9637.18
NII Growth14.19%15.25%3.62%4.44%6.09%8.2%27.54%-11.35%-4.54%34.83%
Dividend Payout12.45%9.72%8.4%8.15%14.43%6.67%4.91%7.28%10.7%9.43%
Related:PGC Dividend History·PGC Revenue History·PGC Price History·PGC P/E History·PGC Financial Ratios·PGC Institutional Holders

PGC SEC Filings & Documents

Peapack-Gladstone Financial Corporation (PGC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 22, 2026·SEC

Material company update

Mar 26, 2026·SEC

Material company update

Mar 2, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 11, 2026·SEC

FY 2025

Mar 12, 2025·SEC

FY 2024

Mar 12, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

PGC Frequently Asked Questions

Peapack-Gladstone Financial Corporation (PGC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Peapack-Gladstone Financial Corporation (PGC) grew revenue by 9.5% over the past year. This is steady growth.

Yes, Peapack-Gladstone Financial Corporation (PGC) is profitable, generating $37.3M in net income for fiscal year 2025 (8.5% net margin).

Dividend & Returns

Yes, Peapack-Gladstone Financial Corporation (PGC) pays a dividend with a yield of 0.43%. This makes it attractive for income-focused investors.

Peapack-Gladstone Financial Corporation (PGC) has a return on equity (ROE) of 5.9%. This is below average, suggesting room for improvement.

Industry Metrics

Peapack-Gladstone Financial Corporation (PGC) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

Peapack-Gladstone Financial Corporation (PGC) has an efficiency ratio of 46.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in PGC back in 1997?

Total return calculator · dividends reinvested · 29+ years of data

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