Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Peapack-Gladstone Financial Corporation's quarterly P/E stands at 10.1x, down 34.5% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 15.5% YoY to 7.7x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 21.92 | 10.09 | 12.78 | 15.69 | 16.51 | 15.41 | 15.94 | 13.48 | 12.67 | 15.53 | 13.09 | 9.27 | 7.41 |
| — | -34.5% | -19.8% | +16.4% | +30.3% | -0.8% | +21.8% | +45.4% | +71.1% | +86.9% | +69.6% | +34.9% | -39.5% | |
| P/S Ratio | 1.86 | 1.07 | 1.10 | 1.14 | 1.21 | 1.36 | 1.20 | 1.01 | 1.12 | 1.43 | 1.19 | 1.32 | 1.54 |
| — | -21.4% | -8.3% | +13.3% | +8.7% | -4.9% | +0.6% | -23.7% | -27.7% | -32.5% | -45.1% | -35.9% | -44.8% | |
| P/B Ratio | 1.24 | 0.75 | 0.76 | 0.80 | 0.81 | 0.94 | 0.80 | 0.68 | 0.74 | 0.92 | 0.83 | 0.87 | 0.97 |
| — | -20.3% | -4.2% | +16.6% | +9.4% | +2.4% | -3.4% | -20.9% | -23.7% | -28.5% | -31.3% | -18.6% | -22.5% | |
| P/FCF | 28.66 | — | 3.61 | 12.65 | — | 6.35 | 5.27 | — | 6.02 | 396.16 | 4.85 | 28.51 | 3.53 |
| — | — | -31.5% | — | — | -98.4% | +8.7% | — | +70.6% | +2800.5% | +5.6% | +698.7% | -35.0% | |
| EV / EBITDA | 16.92 | 7.71 | 4.77 | 6.55 | 8.98 | 6.68 | 3.63 | 6.14 | 9.38 | 17.52 | 16.11 | 12.33 | 7.82 |
| — | +15.5% | +31.5% | +6.6% | -4.2% | -61.9% | -77.5% | -50.2% | +19.9% | +110.5% | +168.5% | +154.6% | -27.3% | |
| EV / EBIT | 20.46 | 10.95 | 5.24 | 7.31 | 9.98 | 7.29 | 4.01 | 6.89 | 10.31 | 19.39 | 17.76 | 13.18 | 8.21 |
| — | +50.3% | +30.9% | +6.1% | -3.2% | -62.4% | -77.5% | -47.7% | +25.7% | +123.3% | +183.3% | +160.2% | -28.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Peapack-Gladstone Financial Corporation's operating margin was 14.7% in Q4 2025, up 2.5 pp QoQ and up 3.0 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 11.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 8.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.1% | 61.0% | 58.1% | 56.4% | 56.5% | 56.2% | 53.8% | 51.8% | 53.1% | 48.3% | 50.6% | 59.3% | 68.0% |
| — | +8.5% | +8.1% | +8.9% | +6.3% | +16.3% | +6.2% | -12.6% | -21.9% | -37.8% | -41.0% | -33.7% | -23.0% | |
| Operating Margin | 11.9% | 14.7% | 12.2% | 10.2% | 10.0% | 11.7% | 10.6% | 9.6% | 12.8% | 12.4% | 13.0% | 19.6% | 28.5% |
| — | +26.1% | +14.7% | +6.9% | -21.6% | -5.8% | -18.3% | -51.1% | -55.1% | -66.0% | -66.5% | -51.9% | -5.8% | |
| Net Margin | 8.5% | 10.5% | 8.6% | 7.2% | 7.3% | 8.8% | 7.5% | 7.5% | 8.9% | 9.2% | 9.0% | 14.2% | 21.0% |
| — | +19.5% | +15.0% | -4.3% | -18.1% | -3.9% | -17.0% | -46.9% | -57.5% | -64.0% | -67.9% | -52.6% | -8.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.9% | 1.9% | 1.5% | 1.3% | 1.2% | 1.5% | 1.3% | 1.3% | 1.5% | 1.5% | 1.6% | 2.3% | 3.4% |
| — | +22.8% | +19.3% | -1.4% | -16.4% | +1.2% | -18.6% | -45.2% | -56.1% | -61.7% | -59.9% | -39.1% | +34.3% | |
| ROA | 0.5% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.3% |
| — | +21.4% | +15.3% | -4.9% | -19.8% | +1.2% | -15.3% | -42.5% | -53.1% | -60.0% | -59.0% | -37.4% | +31.2% | |
| ROIC | 4.6% | 1.5% | 1.3% | 1.1% | 1.0% | 1.2% | 1.0% | 0.9% | 0.9% | 0.8% | 0.8% | 1.2% | 1.7% |
| — | +28.2% | +26.3% | +24.2% | +8.3% | +55.2% | +30.9% | -25.5% | -46.4% | -70.0% | -73.8% | -57.3% | -2.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Peapack-Gladstone Financial Corporation's Debt/EBITDA ratio is 10.8x, up from 9.5x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 75.1% YoY to 0.13x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.40 | 0.40 | 0.22 | 0.23 | 0.23 | 0.29 | 0.30 | 0.30 | 0.47 | 0.95 | 1.11 | 1.13 | 0.95 |
| — | +34.1% | -25.6% | -24.7% | -51.0% | -68.9% | -73.4% | -73.4% | -50.8% | -4.8% | +210.7% | +283.5% | +81.2% | |
| Debt / EBITDA | 4.11 | 10.78 | 9.46 | 11.30 | 12.33 | 13.36 | 15.15 | 16.43 | 20.05 | 43.03 | 44.72 | 32.91 | 20.22 |
| — | -19.4% | -37.6% | -31.2% | -38.5% | -68.9% | -66.1% | -50.1% | -0.8% | +149.6% | +603.1% | +514.2% | +39.8% | |
| Current Ratio | 0.13 | 0.13 | 0.07 | 0.17 | 0.05 | 0.08 | 0.20 | 0.16 | 0.14 | 0.13 | 0.13 | 0.13 | 0.14 |
| — | +75.1% | -66.6% | +5.6% | -62.3% | -43.5% | +59.6% | +29.1% | -4.3% | -1.7% | +9.1% | -5.3% | -7.2% | |
| Quick Ratio | 0.13 | 0.13 | 0.07 | 0.17 | 0.05 | 0.08 | 0.20 | 0.16 | 0.14 | 0.13 | 0.13 | 0.13 | 0.14 |
| — | +75.1% | -66.6% | +5.6% | -62.3% | -43.5% | +59.6% | +29.1% | -4.3% | -1.7% | +9.1% | -5.3% | -7.2% | |
| Interest Coverage | 0.32 | 0.45 | 0.32 | 0.27 | 0.26 | 0.28 | 0.24 | 0.22 | 0.28 | 0.27 | 0.30 | 0.50 | 0.94 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Peapack-Gladstone Financial Corporation's current P/E is 21.9x. The average P/E over the last 4 quarters is 13.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Peapack-Gladstone Financial Corporation's current operating margin is 11.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Peapack-Gladstone Financial Corporation's business trajectory between earnings reports.