PGC · Peapack Gladstone Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $283.00M | $228.13M | $229.67M | $242.50M | $210.30M | $189.36M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $4.12M | $3.54M | $3.69M | $3.48M | $3.19M | $3.13M |
| Operating Income | $52.31M | $44.95M | $67.28M | $102.34M | $77.66M | $32.00M |
| Interest Expense | - | - | $147.92M | $35.80M | $22.01M | $38.15M |
| Income Tax | $14.98M | $11.96M | $18.43M | $28.10M | $21.04M | $5.81M |
| Net Income | $37.33M | $32.99M | $48.85M | $74.25M | $56.62M | $26.19M |
| EPS - Basic | $2.12 | $1.87 | $2.74 | $4.09 | $3.01 | $1.39 |
| EPS - Diluted | $2.10 | $1.85 | $2.71 | $4.00 | $2.93 | $1.37 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $187.82M | $391.37M | $187.67M | $190.07M | $146.80M | $653.32M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $7.53B | $7.01B | $6.48B | $6.35B | $6.08B | $5.89B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $6.87B | $6.41B | $5.89B | $5.82B | $5.53B | $5.36B |
| Stockholders' Equity | $658.21M | $605.85M | $583.68M | $532.98M | $546.39M | $527.12M |
| Retained Earnings | - | - | - | - | - | - |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $43.13M | $71.10M | $70.08M | $118.90M | $75.46M | $36.72M |
| Investing Cash Flow | ($735.76M) | ($303.43M) | ($147.48M) | ($356.07M) | ($753.80M) | ($214.00M) |
| Financing Cash Flow | $489.08M | $436.02M | $75.00M | $280.44M | $171.82M | $622.41M |
| CapEx | $14.32M | $8.10M | $3.27M | $3.52M | $3.93M | $3.08M |
| Free Cash Flow | $28.82M | $63.01M | $66.81M | $115.38M | $71.53M | $33.65M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 18.5% | 19.7% | 29.3% | 42.2% | 36.9% | 16.9% |
| EBITDA margin | 19.9% | 21.3% | 30.9% | 43.6% | 38.4% | 18.6% |
| Net margin | 13.2% | 14.5% | 21.3% | 30.6% | 26.9% | 13.8% |
| Free cash flow margin | 10.2% | 27.6% | 29.1% | 47.6% | 34.0% | 17.8% |
| FCF / Net income | 0.77 | 1.91 | 1.37 | 1.55 | 1.26 | 1.28 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 28.6% | 26.6% | 27.4% | 27.5% | 27.1% | 18.2% |
| Return on assets | 0.5% | 0.5% | 0.8% | 1.2% | 0.9% | 0.4% |
| Return on equity | 5.7% | 5.4% | 8.4% | 13.9% | 10.4% | 5.0% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.5x | 2.9x | 3.5x | 0.8x |
| Equity multiplier | 11.43 | 11.57 | 11.10 | 11.92 | 11.12 | 11.17 |
| Liabilities / Assets | 0.91 | 0.91 | 0.91 | 0.92 | 0.91 | 0.91 |
| Efficiency | ||||||
| Asset turnover | 0.04 | 0.03 | 0.04 | 0.04 | 0.03 | 0.03 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 13.3x | 17.3x | 11.0x | 9.3x | 12.1x | 16.6x |
| P / B | 0.8x | 0.9x | 0.9x | 1.3x | 1.2x | 0.8x |
| P / S | 1.7x | 2.5x | 2.3x | 2.8x | 3.2x | 2.3x |
| EV / EBITDA | 5.4x | 3.7x | 4.9x | 4.7x | 6.6x | -6.2x |
| Growth | ||||||
| Revenue growth (YoY) | 24.1% | -0.7% | -5.3% | 15.3% | 11.1% | 8.2% |
| Revenue CAGR (3y) | 5.3% | 2.7% | 6.6% | 11.5% | 9.7% | 9.1% |
| Revenue CAGR (5y) | 8.4% | 5.4% | 7.6% | 10.7% | 10.9% | 11.9% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 16.4% | -33.2% | -34.3% | 31.8% | 142.7% | -51.6% |
| Net income growth (YoY) | 13.2% | -32.5% | -34.2% | 31.1% | 116.2% | -44.8% |
| EPS growth (YoY) | 13.5% | -31.7% | -32.3% | 36.5% | 113.9% | -43.9% |
| EPS CAGR (3y) | -19.3% | -14.2% | 25.5% | 17.9% | 8.2% | -12.3% |
| EPS CAGR (5y) | 8.9% | -5.4% | 3.2% | 14.5% | 12.9% | 1.2% |
| FCF growth (YoY) | -54.3% | -5.7% | -42.1% | 61.3% | 112.6% | -60.2% |
| FCF CAGR (5y) | -3.1% | -5.7% | 1.1% | 23.3% | 12.5% | 3.5% |
| Book value growth (YoY) | 8.6% | 3.8% | 9.5% | -2.5% | 3.7% | 4.7% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$283.00M totalBanking Segment$216.86M · 76.6%
Wealth Management Division$66.14M · 23.4%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
6/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: Commercial Banks, NEC
Comparing PEAPACK GLADSTONE FINANCIAL CORP against the 5 most active filers in the same SIC group.
Dividends
$0.20/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| May 7, 2026 | $0.0500 |
| Feb 12, 2026 | $0.0500 |
| Nov 6, 2025 | $0.0500 |
| Aug 7, 2025 | $0.0500 |
| May 8, 2025 | $0.0500 |
| Feb 6, 2025 | $0.0500 |
| Nov 7, 2024 | $0.0500 |
| Aug 8, 2024 | $0.0500 |
| May 8, 2024 | $0.0500 |
| Feb 7, 2024 | $0.0500 |
| Nov 8, 2023 | $0.0500 |
| Aug 9, 2023 | $0.0500 |
| May 5, 2023 | $0.0500 |
| Feb 8, 2023 | $0.0500 |
| Nov 9, 2022 | $0.0500 |
| Aug 10, 2022 | $0.0500 |
| May 11, 2022 | $0.0500 |
| Feb 9, 2022 | $0.0500 |
| Nov 9, 2021 | $0.0500 |
| Aug 9, 2021 | $0.0500 |
| May 10, 2021 | $0.0500 |
| Feb 10, 2021 | $0.0500 |
| Nov 9, 2020 | $0.0500 |
| Aug 10, 2020 | $0.0500 |