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Peapack-Gladstone Financial (PGC) Financials

Peapack-Gladstone Financial logo
$41.82 +0.24 (+0.57%)
As of 02:53 PM Eastern
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Annual Income Statements for Peapack-Gladstone Financial

Annual Income Statements for Peapack-Gladstone Financial

This table shows Peapack-Gladstone Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 20 26 36 44 47 26 57 74 49 33 37
Consolidated Net Income / (Loss)		 20 26 36 44 47 26 57 74 49 33 37
Net Income / (Loss) Continuing Operations		 20 26 36 44 47 26 57 74 49 33 37
Total Pre-Tax Income 		32 43 54 58 66 32 78 102 67 45 52
Total Revenue		 108 125 146 159 175 189 210 242 230 228 283
Net Interest Income / (Expense)		 84 96 111 115 120 128 138 176 156 149 201
Total Interest Income		 99 117 139 160 181 166 160 212 304 328 363
Loans and Leases Interest Income		 94 112 131 149 166 156 148 195 278 291 321
Investment Securities Interest Income		 4.60 4.53 6.74 9.30 11 8.99 12 14 20 23 32
Deposits and Money Market Investments Interest Income		 0.20 0.55 1.02 1.81 4.46 0.97 0.55 2.76 6.08 14 9.68
Total Interest Expense		 15 21 28 45 60 38 22 36 148 179 162
Deposits Interest Expense		 13 17 23 36 51 29 14 29 123 168 157
Short-Term Borrowings Interest Expense		 1.60 1.76 1.36 3.61 3.94 3.98 0.47 0.60 18 3.85 0.54
Long-Term Debt Interest Expense		 - 1.70 3.21 4.89 4.90 4.99 7.01 5.45 6.65 6.64 4.21
Other Interest Expense		 - - 0.45 0.42 0.38 0.34 0.30 0.25 0.19 0.09 0.05
Total Non-Interest Income		 24 29 35 44 55 62 72 66 74 79 82
Other Service Charges		 4.32 25 31 46 50 48 64 66 70 75 79
Net Realized & Unrealized Capital Gains on Investments		 1.06 2.99 2.38 -2.82 2.97 13 7.00 -1.06 2.71 2.23 1.78
Other Non-Interest Income		 1.30 1.41 1.36 1.38 1.32 1.27 1.70 1.24 1.27 1.56 1.68
Provision for Credit Losses		 7.10 7.50 5.85 3.55 4.00 32 6.48 6.35 14 7.50 24
Total Non-Interest Expense		 69 75 86 98 105 125 126 134 148 176 207
Salaries and Employee Benefits		 40 45 54 63 70 78 82 89 101 122 145
Net Occupancy & Equipment Expense		 12 11 12 13 15 16 17 19 20 22 27
Other Operating Expenses		 15 14 17 19 20 25 27 26 28 31 35
Income Tax Expense		 12 16 18 14 19 5.81 21 28 18 12 15
Basic Earnings per Share		 $1.31 $1.62 $2.07 $2.33 $2.46 $1.39 $3.01 $4.09 $2.74 $1.87 $2.12
Weighted Average Basic Shares Outstanding		 15.19M 16.32M 17.66M 19.35M 18.80M 18.88M 18.26M 17.83M 17.75M 17.60M 17.57M
Diluted Earnings per Share		 $1.29 $1.60 $2.03 $2.31 $2.44 $1.37 $2.93 $4.00 $2.71 $1.85 $2.10
Weighted Average Diluted Shares Outstanding		 15.19M 16.32M 17.66M 19.35M 18.80M 18.88M 18.26M 17.83M 17.75M 17.60M 17.57M
Weighted Average Basic & Diluted Shares Outstanding		 15.19M 16.32M 17.66M 19.35M 18.80M 18.88M 18.26M 17.83M 17.75M 17.60M 17.57M

Quarterly Income Statements for Peapack-Gladstone Financial

This table shows Peapack-Gladstone Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 8.76 8.60 8.63 7.53 7.59 9.24 7.60 7.94 9.63 12 14
Consolidated Net Income / (Loss)		 8.76 8.60 8.63 7.53 7.59 9.24 7.60 7.94 9.63 12 14
Net Income / (Loss) Continuing Operations		 8.76 8.60 8.63 7.53 7.59 9.24 7.60 7.94 9.63 12 14
Total Pre-Tax Income 		13 12 12 9.56 11 12 10 11 14 17 20
Total Revenue		 56 54 53 57 57 62 64 70 71 78 82
Net Interest Income / (Expense)		 37 37 34 35 38 42 46 48 51 57 60
Total Interest Income		 78 80 79 79 83 86 86 90 93 94 95
Loans and Leases Interest Income		 72 73 73 72 73 73 75 80 82 84 87
Investment Securities Interest Income		 5.18 5.20 5.14 5.17 6.11 6.99 8.21 8.37 7.50 7.43 7.13
Deposits and Money Market Investments Interest Income		 1.46 1.62 1.52 2.42 3.98 5.72 2.78 1.62 2.96 2.33 1.33
Total Interest Expense		 42 44 45 44 46 44 41 41 42 37 35
Deposits Interest Expense		 34 37 40 42 44 43 39 40 41 36 34
Short-Term Borrowings Interest Expense		 6.57 4.96 3.47 0.38 0.00 - 0.01 0.51 0.00 0.03 0.43
Long-Term Debt Interest Expense		 1.73 1.69 1.68 1.69 1.69 1.59 1.44 0.92 0.92 0.92 1.21
Total Non-Interest Income		 19 18 19 22 19 20 19 21 20 22 23
Other Service Charges		 19 16 18 21 18 19 18 20 20 20 22
Net Realized & Unrealized Capital Gains on Investments		 0.12 0.84 0.35 0.42 0.85 0.61 0.56 0.60 -0.03 0.65 0.31
Other Non-Interest Income		 0.31 0.36 0.50 0.33 0.39 0.34 0.37 0.37 0.38 0.55 0.35
Provision for Credit Losses		 5.86 5.03 0.63 3.91 1.22 1.74 4.47 6.59 4.79 7.67 7.33
Total Non-Interest Expense		 37 38 40 43 45 48 49 52 52 54 55
Salaries and Employee Benefits		 25 24 28 30 31 33 26 36 37 37 30
Net Occupancy & Equipment Expense		 5.21 5.42 5.08 5.78 5.63 6.00 6.15 6.64 6.68 7.14 6.86
Marketing Expense		 - - - - - - 0.15 - - - 0.27
Other Operating Expenses		 6.94 7.88 6.48 7.47 7.97 8.95 17 9.19 8.87 9.60 19
Income Tax Expense		 3.85 3.02 3.78 2.03 3.16 3.00 2.85 3.32 3.98 4.83 5.57
Basic Earnings per Share		 $0.49 $0.49 $0.49 $0.42 $0.43 $0.53 $0.43 $0.45 $0.55 $0.69 $0.80
Weighted Average Basic Shares Outstanding		 17.86M 17.75M 17.71M 17.75M 17.62M 17.60M 17.61M 17.70M 17.58M 17.57M 17.59M
Diluted Earnings per Share		 $0.49 $0.48 $0.48 $0.42 $0.43 $0.52 $0.43 $0.45 $0.54 $0.68 $0.80
Weighted Average Diluted Shares Outstanding		 18.01M 17.75M 17.81M 17.79M 17.70M 17.60M 17.81M 17.77M 17.69M 17.57M 17.76M
Weighted Average Basic & Diluted Shares Outstanding		 17.82M 17.75M 17.77M 17.68M 17.59M 17.60M 17.74M 17.65M 17.56M 17.57M 17.72M

Annual Cash Flow Statements for Peapack-Gladstone Financial

This table details how cash moves in and out of Peapack-Gladstone Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 39 93 -49 47 47 445 -507 43 -2.40 204 -204
Net Cash From Operating Activities		 30 43 56 64 86 37 75 119 70 71 43
Net Cash From Continuing Operating Activities		 30 43 56 64 86 37 75 119 70 71 43
Net Income / (Loss) Continuing Operations		 20 26 36 44 47 26 57 74 49 33 37
Consolidated Net Income / (Loss)		 20 26 36 44 47 26 57 74 49 33 37
Provision For Loan Losses		 7.35 7.50 5.85 3.55 4.00 32 6.48 6.35 14 7.50 24
Depreciation Expense		 3.92 3.09 3.28 3.13 3.12 3.13 3.19 3.48 3.69 3.54 4.12
Amortization Expense		 1.75 1.67 2.15 2.76 3.05 6.52 8.42 4.52 2.18 1.62 1.47
Non-Cash Adjustments to Reconcile Net Income		 -4.27 1.64 17 21 10 -0.70 4.49 26 3.81 -11 17
Changes in Operating Assets and Liabilities, net		 1.59 2.55 -8.95 -11 18 -31 -3.73 3.81 -2.55 37 -40
Net Cash From Investing Activities		 -625 -433 -436 -298 -487 -214 -754 -356 -147 -303 -736
Net Cash From Continuing Investing Activities		 -625 -433 -436 -298 -487 -214 -754 -356 -147 -304 -736
Purchase of Property, Leasehold Improvements and Equipment		 -1.92 -3.22 -2.38 -1.06 -1.71 -3.08 -3.93 -3.52 -3.28 -8.10 -14
Purchase of Investment Securities		 -816 -767 -650 -612 -737 -840 -1,272 -953 -899 -1,024 -1,531
Sale of Property, Leasehold Improvements and Equipment		 - - - - - 0.00 0.00 0.28 -0.01 0.43 -0.24
Sale and/or Maturity of Investments		 192 337 217 315 251 629 522 600 755 727 810
Net Cash From Financing Activities		 634 483 330 281 448 622 172 280 75 436 489
Net Cash From Continuing Financing Activities		 634 483 330 281 448 622 172 280 75 436 489
Net Change in Deposits		 637 476 287 197 348 575 448 -61 69 855 460
Issuance of Debt		 0.00 49 34 105 128 98 0.00 0.00 0.00 0.00 0.00
Issuance of Preferred Equity		 - - - - - - 0.00 0.00 0.00 -4.34 0.00
Repayment of Debt		 -14 -63 -24 -35 -3.00 -577 -242 380 24 -404 38
Repurchase of Common Equity		 - - - 0.00 -21 -6.49 -29 -33 -12 -7.19 -5.44
Payment of Dividends		 -3.10 -3.30 -3.55 -3.71 -3.87 -3.78 -3.78 -3.65 -3.56 -3.53 -3.52
Other Financing Activities, Net		 0.65 1.15 -0.34 -0.31 -0.32 536 -1.36 -1.74 -2.19 -0.02 -0.17
Cash Interest Paid		 14 20 27 43 60 38 22 33 141 171 164
Cash Income Taxes Paid		 16 15 12 3.61 3.60 9.79 16 25 18 18 20

Quarterly Cash Flow Statements for Peapack-Gladstone Financial

This table details how cash moves in and out of Peapack-Gladstone Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 16 -0.20 7.17 121 177 -101 -159 84 32 -159 66
Net Cash From Operating Activities		 25 1.32 19 0.85 25 26 -7.87 16 36 -1.12 25
Net Cash From Continuing Operating Activities		 18 1.32 19 0.85 25 26 -7.87 16 36 -1.12 25
Net Income / (Loss) Continuing Operations		 8.76 8.60 8.63 7.53 7.59 9.24 7.60 7.94 9.63 12 14
Consolidated Net Income / (Loss)		 8.76 8.60 8.63 7.53 7.59 9.24 7.60 7.94 9.63 12 14
Provision For Loan Losses		 5.86 5.03 0.63 3.91 1.22 1.74 4.47 6.59 4.79 7.67 7.33
Depreciation Expense		 - 0.97 0.97 0.89 0.84 0.85 0.89 1.04 1.07 1.13 1.17
Amortization Expense		 - 0.46 0.43 0.43 0.40 0.36 0.31 0.29 0.33 0.29 0.23
Non-Cash Adjustments to Reconcile Net Income		 -13 -3.15 -1.22 0.28 -4.12 -6.40 3.44 -0.33 -1.66 16 5.76
Changes in Operating Assets and Liabilities, net		 11 -11 9.67 -12 19 21 -25 0.42 22 -38 -4.05
Net Cash From Investing Activities		 -51 53 79 62 -124 -321 -272 -5.44 -200 -258 -116
Net Cash From Continuing Investing Activities		 -56 53 79 62 -124 -322 -272 -5.44 -200 -258 -116
Purchase of Property, Leasehold Improvements and Equipment		 -0.92 -0.98 -1.11 -1.28 -1.68 -4.03 -3.60 -6.01 -2.19 -2.52 -1.29
Purchase of Investment Securities		 -300 -137 -115 -117 -309 -484 -438 -256 -368 -468 -435
Sale and/or Maturity of Investments		 245 191 194 180 186 166 170 257 170 213 321
Net Cash From Financing Activities		 43 -55 -91 58 276 193 121 73 196 99 157
Net Cash From Continuing Financing Activities		 148 -55 -91 58 276 193 121 73 196 99 157
Net Change in Deposits		 61 15 203 179 279 194 158 77 199 27 238
Issuance of Preferred Equity		 0.00 -0.07 0.00 - - -4.34 0.00 - - - 30
Repayment of Debt		 - -67 -284 -119 - - -35 - - 73 -109
Payment of Dividends		 -0.89 -0.89 -0.89 -0.89 -0.88 -0.87 -0.88 -0.89 -0.88 -0.88 -0.88
Other Financing Activities, Net		 0.23 0.25 -5.59 0.77 0.26 4.54 -1.02 0.28 0.35 0.21 -0.76
Cash Interest Paid		 39 44 36 45 44 46 41 43 41 39 35
Cash Income Taxes Paid		 6.35 8.81 1.25 - 13 3.92 0.70 7.71 4.46 6.81 2.14

Annual Balance Sheets for Peapack-Gladstone Financial

This table presents Peapack-Gladstone Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 3,365 3,879 4,261 4,618 5,183 5,890 6,078 6,354 6,477 7,011 7,526
Cash and Due from Banks		 12 25 4.42 5.91 6.59 11 5.93 5.94 5.89 8.49 8.71
Interest Bearing Deposits at Other Banks		 59 138 109 155 201 643 141 184 182 383 179
Trading Account Securities		 196 305 328 378 402 623 920 657 658 886 870
Loans and Leases, Net of Allowance		 2,887 3,280 3,668 3,889 4,350 4,305 4,745 5,224 -66 -73 -71
Allowance for Loan and Lease Losses		 26 32 36 39 44 67 62 61 66 73 71
Loans Held for Sale		 1.56 1.20 0.98 1.58 18 14 4,782 0.00 0.10 0.00 0.45
Premises and Equipment, Net		 30 30 29 27 21 22 23 24 24 29 39
Goodwill		 1.57 1.57 17 24 30 33 36 36 36 36 36
Intangible Assets		 1.71 1.58 6.73 7.98 10 11 13 11 9.80 8.71 7.63
Other Assets		 176 96 97 128 144 230 157 211 5,626 5,733 6,456
Total Liabilities & Shareholders' Equity		 3,365 3,879 4,261 4,618 5,183 5,890 6,078 6,354 6,477 7,011 7,526
Total Liabilities		 3,089 3,554 3,857 4,149 4,679 5,363 5,532 5,821 5,893 6,405 6,868
Non-Interest Bearing Deposits		 420 489 539 464 529 834 956 1,246 958 1,113 1,429
Interest Bearing Deposits		 2,516 2,922 3,159 3,431 3,714 3,985 4,310 3,959 4,316 5,016 5,160
Short-Term Debt		 41 0.00 - - 128 15 0.00 380 404 0.00 73
Long-Term Debt		 84 111 121 191 188 182 133 133 133 134 99
Other Long-Term Liabilities		 19 22 29 62 119 348 133 103 82 143 107
Total Equity & Noncontrolling Interests		 276 324 404 469 504 527 546 533 584 606 658
Total Preferred & Common Equity		 276 324 404 469 504 527 546 533 584 606 658
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 276 324 404 469 504 527 546 533 584 606 658
Common Stock		 14 15 16 16 17 17 17 18 18 18 18
Retained Earnings		 58 81 114 155 199 221 274 349 394 424 457
Treasury Stock		 -8.99 -8.99 -8.99 -8.99 -30 -36 -65 -98 -110 -118 -123
Accumulated Other Comprehensive Income / (Loss)		 -0.38 -1.53 -1.21 -2.35 -1.50 -1.39 -12 -74 -65 -66 -48
Other Equity Adjustments		 213 239 284 309 319 327 332 339 347 348 353

Quarterly Balance Sheets for Peapack-Gladstone Financial

This table presents Peapack-Gladstone Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 6,087 6,480 6,480 6,522 6,409 6,505 6,794 7,121 7,201 7,440 7,699
Cash and Due from Banks		 5.07 6.51 4.86 7.40 5.77 5.59 8.13 7.89 7.52 8.51 9.22
Interest Bearing Deposits at Other Banks		 103 245 167 180 189 310 485 224 308 339 244
Trading Account Securities		 601 681 664 630 670 710 786 946 879 867 803
Loans and Leases, Net of Allowance		 5,118 5,303 5,372 5,418 5,290 -68 -71 -75 -82 -69 -67
Allowance for Loan and Lease Losses		 60 62 63 69 66 68 71 75 82 69 67
Loans Held for Sale		 1.33 14 14 0.00 6.07 8.30 0.56 8.69 5.50 8.30 8.31
Premises and Equipment, Net		 24 24 24 24 24 25 26 32 37 38 39
Goodwill		 36 36 36 36 36 36 36 36 36 36 36
Intangible Assets		 11 11 10 10 9.53 9.26 8.99 8.44 8.17 7.90 7.38
Other Assets		 187 160 187 215 177 5,466 5,515 5,933 6,001 6,204 6,618
Total Liabilities & Shareholders' Equity		 6,087 6,480 6,480 6,522 6,409 6,505 6,794 7,121 7,201 7,440 7,699
Total Liabilities		 5,572 5,925 5,915 5,963 5,826 5,917 6,186 6,499 6,571 6,797 7,000
Non-Interest Bearing Deposits		 1,318 1,097 1,024 947 915 950 1,080 1,185 1,238 1,323 1,545
Interest Bearing Deposits		 3,981 4,212 4,174 4,312 4,562 4,706 4,856 5,102 5,125 5,239 5,282
Short-Term Debt		 32 379 485 471 119 0.00 0.00 - - - 64
Long-Term Debt		 133 133 133 133 133 133 133 99 99 99 0.00
Other Long-Term Liabilities		 107 104 98 99 97 127 117 113 109 136 109
Total Equity & Noncontrolling Interests		 516 555 565 559 582 588 608 622 630 643 699
Total Preferred & Common Equity		 516 555 565 559 582 588 608 622 630 643 699
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 30
Total Common Equity		 516 555 565 559 582 588 608 622 630 643 669
Common Stock		 17 18 18 18 18 18 18 18 18 18 18
Retained Earnings		 329 366 379 386 402 408 415 430 437 446 471
Treasury Stock		 -93 -101 -105 -108 -113 -115 -118 -118 -120 -123 -123
Accumulated Other Comprehensive Income / (Loss)		 -75 -67 -68 -82 -68 -68 -55 -58 -56 -50 -50
Other Equity Adjustments		 337 339 342 345 343 345 347 349 350 352 353

Annual Metrics And Ratios for Peapack-Gladstone Financial

This table displays calculated financial ratios and metrics derived from Peapack-Gladstone Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 15,808,875.00 16,947,538.00 18,259,577.00 19,238,791.00 19,045,098.00 18,934,649.00 18,634,618.00 - - - 17,558,019.00
DEI Adjusted Shares Outstanding		 15,808,875.00 16,947,538.00 18,259,577.00 19,238,791.00 19,045,098.00 18,934,649.00 18,634,618.00 - - - 17,558,019.00
DEI Earnings Per Adjusted Shares Outstanding		 1.26 1.56 2.00 2.30 2.49 1.38 3.04 - - - 2.13
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 21.94% 15.89% 16.29% 9.32% 9.80% 8.23% 11.06% 15.31% -5.29% -0.67% 24.05%
EBITDA Growth		 31.22% 25.66% 25.74% 6.47% 13.66% -42.39% 114.33% 23.60% -33.70% -31.50% 15.54%
EBIT Growth		 32.34% 32.98% 27.06% 6.28% 14.56% -51.60% 142.67% 31.78% -34.26% -33.19% 16.37%
NOPAT Growth		 34.13% 32.57% 37.84% 21.02% 7.39% -44.78% 116.18% 31.13% -34.20% -32.48% 13.15%
Net Income Growth		 34.13% 32.57% 37.84% 21.02% 7.39% -44.78% 116.18% 31.13% -34.20% -32.48% 13.15%
EPS Growth		 5.74% 24.03% 26.88% 13.79% 5.63% -43.85% 113.87% 36.52% -32.25% -31.73% 13.51%
Operating Cash Flow Growth		 11.16% 41.64% 30.31% 14.86% 34.32% -57.45% 105.51% 57.56% -41.06% 1.46% -39.34%
Free Cash Flow Firm Growth		 101.41% -907.45% -585.03% -56.25% -36.62% 208.81% -17.15% -387.99% 90.96% 1,668.43% -112.98%
Invested Capital Growth		 4.86% 8.33% 20.07% 23.71% 24.23% -11.74% -6.19% 53.96% 7.20% -34.03% 12.32%
Revenue Q/Q Growth		 4.75% 3.05% 5.00% 0.92% 3.43% -0.16% 5.01% 3.71% -4.41% 3.43% 6.14%
EBITDA Q/Q Growth		 1.27% 10.54% 2.98% 0.99% 6.16% -22.47% 21.56% 7.65% -19.88% 0.79% 9.37%
EBIT Q/Q Growth		 -0.66% 13.82% 2.85% 0.57% 6.73% -29.27% 26.32% 9.39% -21.00% 1.39% 10.00%
NOPAT Q/Q Growth		 0.66% 12.61% 9.15% 0.82% 3.27% -26.00% 26.40% 8.35% -19.69% 1.98% 8.48%
Net Income Q/Q Growth		 0.66% 12.61% 9.15% 0.82% 3.27% -26.00% 26.40% 8.35% -19.69% 1.98% 8.48%
EPS Q/Q Growth		 -3.73% 11.11% 6.84% 0.00% 3.39% -25.95% 26.84% 9.29% -19.10% 2.21% 8.25%
Operating Cash Flow Q/Q Growth		 2.46% 13.49% 1.55% -6.54% 16.66% -3.10% -12.70% 5.61% -14.61% 54.70% -39.01%
Free Cash Flow Firm Q/Q Growth		 101.61% 86.12% -248.77% 57.45% -648.17% 104.78% 115.98% -361.18% 93.73% -8.73% -258.24%
Invested Capital Q/Q Growth		 13.83% 1.16% 9.37% -8.98% 9.25% -0.33% -6.22% 53.57% -3.61% -0.23% 12.00%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 34.95% 37.90% 40.98% 39.91% 41.32% 21.99% 42.45% 45.50% 31.85% 21.96% 20.46%
EBIT Margin		 29.71% 34.10% 37.26% 36.22% 37.79% 16.90% 36.93% 42.20% 29.30% 19.70% 18.48%
Profit (Net Income) Margin		 18.46% 21.12% 25.04% 27.72% 27.11% 13.83% 26.92% 30.62% 21.27% 14.46% 13.19%
Tax Burden Percent		 62.14% 61.95% 67.21% 76.52% 71.74% 81.84% 72.91% 72.55% 72.61% 73.38% 71.36%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 37.86% 38.05% 32.80% 23.48% 28.26% 18.16% 27.09% 27.45% 27.39% 26.62% 28.64%
Return on Invested Capital (ROIC)		 4.98% 6.20% 7.46% 7.40% 6.41% 3.39% 8.07% 8.61% 4.51% 3.55% 4.76%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.98% 6.20% 7.46% 7.40% 6.41% 3.39% 8.07% 8.61% 4.51% 3.55% 4.76%
Return on Net Nonoperating Assets (RNNOA)		 2.73% 2.63% 2.57% 2.72% 3.35% 1.69% 2.48% 5.15% 4.24% 2.00% 1.15%
Return on Equity (ROE)		 7.71% 8.83% 10.03% 10.12% 9.75% 5.08% 10.55% 13.76% 8.75% 5.55% 5.91%
Cash Return on Invested Capital (CROIC)		 0.24% -1.80% -10.78% -13.80% -15.20% 15.86% 14.46% -33.88% -2.44% 44.55% -6.85%
Operating Return on Assets (OROA)		 1.06% 1.18% 1.33% 1.30% 1.35% 0.58% 1.30% 1.65% 1.05% 0.67% 0.72%
Return on Assets (ROA)		 0.66% 0.73% 0.90% 1.00% 0.97% 0.47% 0.95% 1.19% 0.76% 0.49% 0.51%
Return on Common Equity (ROCE)		 7.71% 8.83% 10.03% 10.12% 9.75% 5.08% 10.55% 13.76% 8.75% 5.55% 5.91%
Return on Equity Simple (ROE_SIMPLE)		 7.24% 8.17% 9.04% 9.42% 9.42% 4.97% 10.36% 13.93% 8.37% 5.44% 5.67%
Net Operating Profit after Tax (NOPAT)		 20 26 36 44 47 26 57 74 49 33 37
NOPAT Margin		 18.46% 21.12% 25.04% 27.72% 27.11% 13.83% 26.92% 30.62% 21.27% 14.46% 13.19%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.93% 44.87% 45.24% 47.88% 48.50% 49.58% 47.09% 44.62% 52.36% 63.48% 60.82%
Operating Expenses to Revenue		 63.72% 59.92% 58.73% 61.55% 59.92% 65.99% 59.99% 55.18% 64.57% 77.01% 73.21%
Earnings before Interest and Taxes (EBIT)		 32 43 54 58 66 32 78 102 67 45 52
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 38 48 60 64 72 42 89 110 73 50 58
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.11 1.53 1.51 0.99 1.13 0.80 1.18 1.23 0.90 0.93 0.74
Price to Tangible Book Value (P/TBV)		 1.12 1.54 1.60 1.06 1.23 0.87 1.30 1.35 0.98 1.00 0.79
Price to Revenue (P/Rev)		 2.82 3.95 4.18 2.91 3.25 2.22 3.08 2.71 2.29 2.47 1.73
Price to Earnings (P/E)		 15.29 18.71 16.69 10.51 11.97 16.05 11.43 8.84 10.78 17.06 13.08
Dividend Yield		 1.04% 0.68% 0.60% 0.83% 0.67% 0.90% 0.58% 0.55% 0.68% 0.63% 0.72%
Earnings Yield		 6.54% 5.35% 5.99% 9.51% 8.35% 6.23% 8.75% 11.31% 9.28% 5.86% 7.64%
Enterprise Value to Invested Capital (EV/IC)		 0.90 1.02 1.17 0.75 0.82 0.00 0.93 0.94 0.78 0.41 0.57
Enterprise Value to Revenue (EV/Rev)		 3.42 3.61 4.29 3.10 3.87 0.00 3.01 4.04 3.81 1.34 1.67
Enterprise Value to EBITDA (EV/EBITDA)		 9.78 9.53 10.47 7.78 9.36 0.00 7.09 8.87 11.98 6.09 8.17
Enterprise Value to EBIT (EV/EBIT)		 11.51 10.60 11.52 8.57 10.23 0.00 8.15 9.56 13.02 6.78 9.04
Enterprise Value to NOPAT (EV/NOPAT)		 18.52 17.11 17.14 11.20 14.26 0.00 11.18 13.18 17.93 9.24 12.67
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.21 10.55 11.18 7.70 7.84 0.00 8.39 8.23 12.50 4.29 10.96
Enterprise Value to Free Cash Flow (EV/FCFF)		 388.17 0.00 0.00 0.00 0.00 0.00 6.24 0.00 0.00 0.74 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.49 0.37 0.32 0.41 0.63 0.37 0.24 0.96 0.92 0.22 0.26
Long-Term Debt to Equity		 0.34 0.37 0.32 0.41 0.37 0.34 0.24 0.25 0.23 0.22 0.15
Financial Leverage		 0.55 0.42 0.34 0.37 0.52 0.50 0.31 0.60 0.94 0.56 0.24
Leverage Ratio		 11.71 12.07 11.18 10.17 10.08 10.74 11.15 11.52 11.49 11.34 11.50
Compound Leverage Factor		 11.71 12.07 11.18 10.17 10.08 10.74 11.15 11.52 11.49 11.34 11.50
Debt to Total Capital		 32.81% 27.06% 24.36% 28.96% 38.59% 27.18% 19.54% 49.02% 47.92% 18.06% 20.75%
Short-Term Debt to Total Capital		 9.92% 0.00% 0.00% 0.00% 15.62% 2.07% 0.00% 36.30% 36.03% 0.00% 8.82%
Long-Term Debt to Total Capital		 22.89% 27.06% 24.36% 28.96% 22.97% 25.11% 19.54% 12.72% 11.89% 18.06% 11.92%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 67.19% 72.94% 75.64% 71.04% 61.41% 72.82% 80.46% 50.98% 52.08% 81.94% 79.25%
Debt to EBITDA		 3.56 2.53 2.18 3.01 4.38 4.72 1.49 4.64 7.34 2.67 2.98
Net Debt to EBITDA		 1.70 -0.89 0.28 0.48 1.50 -10.96 -0.16 2.92 4.78 -5.15 -0.27
Long-Term Debt to EBITDA		 2.48 2.53 2.18 3.01 2.61 4.36 1.49 1.21 1.82 2.67 1.71
Debt to NOPAT		 6.74 4.54 3.56 4.33 6.67 7.51 2.34 6.90 10.99 4.05 4.62
Net Debt to NOPAT		 3.23 -1.60 0.45 0.69 2.28 -17.43 -0.25 4.34 7.15 -7.82 -0.42
Long-Term Debt to NOPAT		 4.70 4.54 3.56 4.33 3.97 6.94 2.34 1.79 2.73 4.05 2.65
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.95 -7.70 -53 -82 -113 122 101 -292 -26 414 -54
Operating Cash Flow to CapEx		 1,575.16% 1,333.93% 2,350.21% 6,066.86% 5,061.35% 1,194.15% 1,921.16% 3,669.78% 2,135.93% 927.15% 296.36%
Free Cash Flow to Firm to Interest Expense		 0.06 -0.37 -1.91 -1.85 -1.86 3.21 4.61 -8.16 -0.18 2.32 -0.33
Operating Cash Flow to Interest Expense		 2.06 2.08 2.03 1.44 1.43 0.96 3.43 3.32 0.47 0.40 0.27
Operating Cash Flow Less CapEx to Interest Expense		 1.93 1.93 1.94 1.42 1.40 0.88 3.25 3.23 0.45 0.35 0.18
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.04 0.04 0.04 0.03 0.04 0.04 0.04 0.03 0.04
Fixed Asset Turnover		 3.46 4.14 4.87 5.60 7.24 8.91 9.42 10.35 9.57 8.60 8.32
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 410 444 534 660 820 724 679 1,045 1,121 739 831
Invested Capital Turnover		 0.27 0.29 0.30 0.27 0.24 0.25 0.30 0.28 0.21 0.25 0.36
Increase / (Decrease) in Invested Capital		 19 34 89 127 160 -96 -45 366 75 -381 91
Enterprise Value (EV)		 370 453 626 495 676 -36 633 979 876 305 473
Market Capitalization		 305 495 609 464 568 420 647 656 527 563 488
Book Value per Share		 $17.44 $19.13 $22.11 $24.38 $26.45 $27.84 $29.32 $29.74 $32.76 $34.45 $37.49
Tangible Book Value per Share		 $17.23 $18.94 $20.80 $22.69 $24.31 $25.52 $26.70 $27.10 $30.17 $31.90 $34.99
Total Capital		 410 444 534 660 820 724 679 1,045 1,121 739 831
Total Debt		 135 120 130 191 317 197 133 513 537 134 172
Total Long-Term Debt		 94 120 130 191 188 182 133 133 133 134 99
Net Debt		 64 -42 17 30 108 -457 -14 322 349 -258 -16
Capital Expenditures (CapEx)		 1.92 3.22 2.38 1.06 1.71 3.08 3.93 3.24 3.28 7.67 15
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 135 120 130 191 317 197 133 513 537 134 172
Total Depreciation and Amortization (D&A)		 5.67 4.77 5.43 5.88 6.17 9.65 12 8.00 5.87 5.16 5.59
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.31 $1.62 $2.06 $2.33 $2.46 $1.39 $3.01 $4.09 $2.74 $1.87 $2.12
Adjusted Weighted Average Basic Shares Outstanding		 16.35M 17.55M 18.95M 19.35M 18.80M 18.88M 18.26M 17.83M 17.75M 17.60M 17.57M
Adjusted Diluted Earnings per Share		 $1.29 $1.60 $2.03 $2.31 $2.44 $1.37 $2.93 $4.00 $2.71 $1.85 $2.10
Adjusted Weighted Average Diluted Shares Outstanding		 16.35M 17.55M 18.95M 19.35M 18.80M 18.88M 18.26M 17.83M 17.75M 17.60M 17.57M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 16.35M 17.55M 18.95M 19.35M 18.80M 18.88M 18.26M 17.83M 17.75M 17.60M 17.57M
Normalized Net Operating Profit after Tax (NOPAT)		 20 26 36 44 47 30 57 74 49 33 37
Normalized NOPAT Margin		 18.46% 21.12% 25.04% 27.83% 27.11% 15.74% 26.92% 30.62% 21.27% 14.46% 13.19%
Pre Tax Income Margin		 29.71% 34.10% 37.26% 36.22% 37.79% 16.90% 36.93% 42.20% 29.30% 19.70% 18.48%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.19 2.07 1.97 1.30 1.09 0.84 3.53 2.86 0.45 0.25 0.32
NOPAT to Interest Expense		 1.36 1.28 1.32 0.99 0.79 0.69 2.57 2.07 0.33 0.18 0.23
EBIT Less CapEx to Interest Expense		 2.06 1.92 1.88 1.27 1.07 0.76 3.35 2.77 0.43 0.21 0.23
NOPAT Less CapEx to Interest Expense		 1.23 1.13 1.24 0.97 0.76 0.61 2.39 1.98 0.31 0.14 0.14
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 15.52% 12.45% 9.72% 8.40% 8.15% 14.43% 6.67% 4.91% 7.28% 10.70% 9.43%
Augmented Payout Ratio		 15.52% 12.45% 9.72% 8.40% 52.42% 39.20% 57.23% 48.98% 32.86% 32.49% 24.02%

Quarterly Metrics And Ratios for Peapack-Gladstone Financial

This table displays calculated financial ratios and metrics derived from Peapack-Gladstone Financial's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 17,596,195.00 17,735,944.00 17,648,471.00 17,558,019.00 17,570,625.00
DEI Adjusted Shares Outstanding		 - - - - - - 17,596,195.00 17,735,944.00 17,648,471.00 17,558,019.00 17,570,625.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.43 0.45 0.55 0.69 0.81
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -9.75% -16.32% -14.44% -1.56% 1.34% 13.95% 21.26% 23.22% 24.86% 26.47% 28.18%
EBITDA Growth		 -57.91% -58.16% -47.75% -39.93% -4.93% 3.00% -13.78% 15.68% 25.23% 36.91% 81.38%
EBIT Growth		 -54.59% -60.61% -50.27% -47.21% -14.71% 5.29% -15.80% 17.80% 26.62% 38.85% 88.80%
NOPAT Growth		 -56.50% -58.21% -52.98% -42.72% -13.34% 7.45% -12.00% 5.46% 26.94% 31.59% 86.35%
Net Income Growth		 -56.50% -58.21% -52.98% -42.72% -13.34% 7.45% -12.00% 5.46% 26.94% 31.59% 86.35%
EPS Growth		 -55.05% -57.14% -52.48% -42.47% -12.24% 8.33% -10.42% 7.14% 25.58% 30.77% 86.05%
Operating Cash Flow Growth		 -30.09% -90.11% -51.00% -83.05% -0.22% 1,910.49% -141.21% 1,771.36% 46.60% -104.25% 412.36%
Free Cash Flow Firm Growth		 -845.57% 80.72% 188.92% 190.74% 190.71% 685.84% -49.19% -99.79% -97.86% -120.21% -123.04%
Invested Capital Growth		 70.79% 7.20% -21.71% -39.02% -36.26% -34.03% -13.70% 0.97% 0.06% 12.32% 5.87%
Revenue Q/Q Growth		 -2.83% -2.87% -2.19% 6.63% 0.04% 9.21% 4.08% 8.36% 1.37% 10.62% 5.49%
EBITDA Q/Q Growth		 -30.42% 3.60% 5.78% -21.22% 10.13% 12.24% -11.45% 5.69% 19.23% 22.71% 14.76%
EBIT Q/Q Growth		 -30.42% -7.75% 6.75% -22.95% 12.41% 13.88% -14.63% 7.79% 20.82% 24.88% 16.09%
NOPAT Q/Q Growth		 -33.40% -1.78% 0.37% -12.76% 0.76% 21.79% -17.80% 4.56% 21.28% 26.25% 16.40%
Net Income Q/Q Growth		 -33.40% -1.78% 0.37% -12.76% 0.76% 21.79% -17.80% 4.56% 21.28% 26.25% 16.40%
EPS Q/Q Growth		 -32.88% -2.04% 0.00% -12.50% 2.38% 20.93% -17.31% 4.65% 20.00% 25.93% 17.65%
Operating Cash Flow Q/Q Growth		 392.02% -94.68% 1,352.05% -95.54% 2,797.18% 7.19% -129.76% 302.49% 126.96% -103.11% 2,288.17%
Free Cash Flow Firm Q/Q Growth		 8.52% 85.91% 460.32% 95.37% -8.55% -9.00% -68.75% -99.21% 848.76% -957.70% 64.37%
Invested Capital Q/Q Growth		 -1.76% -3.61% -25.48% -13.59% 2.68% -0.23% -2.52% 1.10% 1.76% 12.00% -8.12%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 22.55% 24.05% 26.01% 19.22% 21.16% 21.74% 18.50% 18.04% 21.22% 23.54% 25.61%
EBIT Margin		 22.55% 21.42% 23.38% 16.89% 18.98% 19.79% 16.23% 16.15% 19.25% 21.73% 23.91%
Profit (Net Income) Margin		 15.67% 15.85% 16.26% 13.30% 13.40% 14.94% 11.80% 11.39% 13.62% 15.55% 17.16%
Tax Burden Percent		 69.48% 73.98% 69.56% 78.77% 70.60% 75.50% 72.69% 70.51% 70.78% 71.56% 71.75%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 30.52% 26.02% 30.44% 21.23% 29.40% 24.50% 27.31% 29.49% 29.22% 28.44% 28.25%
Return on Invested Capital (ROIC)		 4.08% 3.36% 3.77% 3.07% 3.10% 3.67% 3.63% 3.97% 4.90% 5.61% 6.96%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.08% 3.36% 3.77% 3.07% 3.10% 3.67% 3.63% 3.97% 4.90% 5.61% 6.96%
Return on Net Nonoperating Assets (RNNOA)		 2.92% 3.16% 2.54% 2.00% 1.96% 2.07% 1.06% 0.76% 0.91% 1.36% 0.86%
Return on Equity (ROE)		 7.01% 6.52% 6.31% 5.07% 5.07% 5.73% 4.69% 4.72% 5.81% 6.96% 7.82%
Cash Return on Invested Capital (CROIC)		 -45.68% -2.44% 28.47% 52.00% 47.69% 44.55% 18.82% 3.50% 4.58% -6.85% 0.22%
Operating Return on Assets (OROA)		 0.86% 0.77% 0.80% 0.57% 0.63% 0.67% 0.57% 0.60% 0.72% 0.85% 0.97%
Return on Assets (ROA)		 0.60% 0.57% 0.56% 0.45% 0.44% 0.51% 0.42% 0.42% 0.51% 0.61% 0.70%
Return on Common Equity (ROCE)		 7.01% 6.52% 6.31% 5.07% 5.07% 5.73% 4.69% 4.72% 5.81% 6.96% 7.64%
Return on Equity Simple (ROE_SIMPLE)		 10.88% 0.00% 6.72% 5.70% 5.32% 0.00% 5.14% 5.14% 5.35% 0.00% 6.28%
Net Operating Profit after Tax (NOPAT)		 8.76 8.60 8.63 7.53 7.59 9.24 7.60 7.94 9.63 12 14
NOPAT Margin		 15.67% 15.85% 16.26% 13.30% 13.40% 14.94% 11.80% 11.39% 13.62% 15.55% 17.16%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 54.55% 54.80% 63.22% 63.01% 64.79% 62.92% 65.31% 61.23% 61.44% 56.19% 44.74%
Operating Expenses to Revenue		 66.97% 69.32% 75.44% 76.20% 78.86% 77.40% 76.82% 74.41% 73.98% 68.46% 67.21%
Earnings before Interest and Taxes (EBIT)		 13 12 12 9.56 11 12 10 11 14 17 20
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 13 14 11 12 13 12 13 15 18 21
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.81 0.90 0.74 0.68 0.80 0.93 0.80 0.79 0.76 0.74 0.92
Price to Tangible Book Value (P/TBV)		 0.89 0.98 0.80 0.74 0.86 1.00 0.86 0.85 0.81 0.79 0.99
Price to Revenue (P/Rev)		 1.89 2.29 1.95 1.83 2.19 2.47 2.08 1.98 1.82 1.73 2.05
Price to Earnings (P/E)		 7.47 10.78 10.99 11.98 14.96 17.06 15.61 15.45 14.13 13.08 14.08
Dividend Yield		 0.79% 0.68% 0.83% 0.88% 0.73% 0.63% 0.71% 0.71% 0.73% 0.72% 0.57%
Earnings Yield		 13.38% 9.28% 9.10% 8.34% 6.68% 5.86% 6.41% 6.47% 7.08% 7.64% 7.10%
Enterprise Value to Invested Capital (EV/IC)		 0.75 0.78 0.58 0.30 0.17 0.41 0.51 0.39 0.32 0.57 0.60
Enterprise Value to Revenue (EV/Rev)		 3.62 3.81 2.21 1.00 0.57 1.34 1.53 1.12 0.89 1.67 1.52
Enterprise Value to EBITDA (EV/EBITDA)		 9.53 11.98 8.06 4.75 2.51 6.09 7.59 5.68 4.50 8.17 6.80
Enterprise Value to EBIT (EV/EBIT)		 10.22 13.02 8.92 4.75 2.81 6.78 8.51 6.34 5.00 9.04 7.44
Enterprise Value to NOPAT (EV/NOPAT)		 14.31 17.93 12.48 6.54 3.86 9.24 11.45 8.76 6.92 12.67 10.44
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.61 12.50 9.73 4.77 2.71 4.29 8.29 4.79 3.36 10.96 6.06
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 1.80 0.44 0.27 0.74 2.50 11.16 7.00 0.00 285.23
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.08 0.92 0.43 0.23 0.22 0.22 0.16 0.16 0.15 0.26 0.09
Long-Term Debt to Equity		 0.24 0.23 0.23 0.23 0.22 0.22 0.16 0.16 0.15 0.15 0.00
Financial Leverage		 0.72 0.94 0.67 0.65 0.63 0.56 0.29 0.19 0.19 0.24 0.12
Leverage Ratio		 11.73 11.49 11.33 11.26 11.41 11.34 11.23 11.25 11.39 11.50 11.22
Compound Leverage Factor		 11.73 11.49 11.33 11.26 11.41 11.34 11.23 11.25 11.39 11.50 11.22
Debt to Total Capital		 51.93% 47.92% 30.27% 18.49% 18.01% 18.06% 13.72% 13.58% 13.35% 20.75% 8.37%
Short-Term Debt to Total Capital		 40.47% 36.03% 14.31% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 8.82% 8.37%
Long-Term Debt to Total Capital		 11.46% 11.89% 15.97% 18.49% 18.01% 18.06% 13.72% 13.58% 13.35% 11.92% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.93%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 48.07% 52.08% 69.73% 81.51% 81.99% 81.94% 86.28% 86.42% 86.65% 79.25% 87.70%
Debt to EBITDA		 6.61 7.34 4.18 2.89 2.69 2.67 2.05 1.98 1.87 2.98 0.95
Net Debt to EBITDA		 4.56 4.78 0.96 -3.95 -7.22 -5.15 -2.76 -4.34 -4.69 -0.27 -2.81
Long-Term Debt to EBITDA		 1.46 1.82 2.20 2.89 2.69 2.67 2.05 1.98 1.87 1.71 0.00
Debt to NOPAT		 9.93 10.99 6.46 3.98 4.13 4.05 3.09 3.06 2.88 4.62 1.45
Net Debt to NOPAT		 6.84 7.15 1.48 -5.44 -11.10 -7.82 -4.16 -6.70 -7.21 -0.42 -4.32
Long-Term Debt to NOPAT		 2.19 2.73 3.41 3.98 4.13 4.05 3.09 3.06 2.88 2.65 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2.27%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -473 -67 240 469 429 391 122 0.97 9.20 -79 -28
Operating Cash Flow to CapEx		 2,691.95% 134.56% 1,726.20% 66.41% 1,591.49% 706.68% -218.60% 266.09% 1,671.41% -40.21% 1,900.70%
Free Cash Flow to Firm to Interest Expense		 -11.27 -1.53 5.36 10.62 9.43 8.83 2.99 0.02 0.22 -2.11 -0.80
Operating Cash Flow to Interest Expense		 0.59 0.03 0.43 0.02 0.54 0.60 -0.19 0.39 0.86 -0.03 0.70
Operating Cash Flow Less CapEx to Interest Expense		 0.57 0.01 0.40 -0.01 0.51 0.51 -0.28 0.24 0.81 -0.10 0.66
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 10.06 9.57 9.14 9.02 8.88 8.60 8.53 8.21 8.40 8.32 8.49
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,163 1,121 835 722 741 739 721 729 742 831 763
Invested Capital Turnover		 0.26 0.21 0.23 0.23 0.23 0.25 0.31 0.35 0.36 0.36 0.41
Increase / (Decrease) in Invested Capital		 482 75 -232 -462 -422 -381 -114 6.97 0.43 91 42
Enterprise Value (EV)		 870 876 488 219 125 305 366 283 238 473 458
Market Capitalization		 455 527 430 402 484 563 499 500 486 488 618
Book Value per Share		 $31.25 $32.76 $32.81 $33.11 $34.37 $34.45 $35.34 $35.51 $36.41 $37.49 $38.09
Tangible Book Value per Share		 $28.66 $30.17 $30.23 $30.56 $31.81 $31.90 $32.80 $33.01 $33.91 $34.99 $35.61
Total Capital		 1,163 1,121 835 722 741 739 721 729 742 831 763
Total Debt		 604 537 253 133 133 134 99 99 99 172 64
Total Long-Term Debt		 133 133 133 133 133 134 99 99 99 99 0.00
Net Debt		 416 349 58 -182 -359 -258 -133 -217 -248 -16 -190
Capital Expenditures (CapEx)		 0.92 0.98 1.11 1.28 1.55 3.74 3.60 5.99 2.17 2.80 1.29
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 604 537 253 133 133 134 99 99 99 172 64
Total Depreciation and Amortization (D&A)		 0.00 1.43 1.40 1.32 1.23 1.21 1.46 1.32 1.39 1.42 1.40
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.49 $0.49 $0.49 $0.42 $0.43 $0.53 $0.43 $0.45 $0.55 $0.69 $0.80
Adjusted Weighted Average Basic Shares Outstanding		 17.86M 17.75M 17.71M 17.75M 17.62M 17.60M 17.61M 17.70M 17.58M 17.57M 17.59M
Adjusted Diluted Earnings per Share		 $0.49 $0.48 $0.48 $0.42 $0.43 $0.52 $0.43 $0.45 $0.54 $0.68 $0.80
Adjusted Weighted Average Diluted Shares Outstanding		 18.01M 17.75M 17.81M 17.79M 17.70M 17.60M 17.81M 17.77M 17.69M 17.57M 17.76M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 17.82M 17.75M 17.77M 17.68M 17.59M 17.60M 17.74M 17.65M 17.56M 17.57M 17.72M
Normalized Net Operating Profit after Tax (NOPAT)		 8.76 8.60 8.63 7.53 7.59 9.24 7.60 7.94 9.63 12 14
Normalized NOPAT Margin		 15.67% 15.85% 16.26% 13.30% 13.40% 14.94% 11.80% 11.39% 13.62% 15.55% 17.16%
Pre Tax Income Margin		 22.55% 21.42% 23.38% 16.89% 18.98% 19.79% 16.23% 16.15% 19.25% 21.73% 23.91%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.30 0.27 0.28 0.22 0.24 0.28 0.26 0.27 0.32 0.45 0.56
NOPAT to Interest Expense		 0.21 0.20 0.19 0.17 0.17 0.21 0.19 0.19 0.23 0.32 0.40
EBIT Less CapEx to Interest Expense		 0.28 0.24 0.25 0.19 0.20 0.19 0.17 0.13 0.27 0.38 0.52
NOPAT Less CapEx to Interest Expense		 0.19 0.18 0.17 0.14 0.13 0.12 0.10 0.05 0.18 0.25 0.37
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 5.86% 7.28% 9.10% 10.62% 10.97% 10.70% 11.03% 10.89% 10.22% 9.43% 8.02%
Augmented Payout Ratio		 31.45% 32.86% 39.94% 39.04% 39.72% 32.49% 25.95% 27.48% 26.05% 24.02% 8.02%

Financials Breakdown Chart

Key Financial Trends

Here’s a concise, 4-year view of Peapack-Gladstone Financial (NASDAQ: PGC) across quarterly income statements, cash flow statements, and balance sheets. The focus is on trends that may matter to retail investors evaluating profitability, liquidity, and capital strength.

  • Strong quarterly earnings momentum in 2025: Q4 2025 earnings per share (basic) was $0.69 and diluted $0.68, with consolidated net income attributable to common shareholders of $12.159 million for the quarter. This reflects improving profitability within the year, following solid setup in the prior quarters.
  • Rising topline driven by net interest income: Net interest income rose through 2025, reaching $56.542 million in Q4 2025 (vs. $50.573 million in Q3 2025), contributing to an increasing total revenue trend.
  • Top-line growth in 2025: Total revenue climbed to $78.201 million in Q4 2025, up from $70.694 million in Q3 2025 and $64.359 million in Q1 2025, signaling improving revenue mix and scale over the year.
  • Balance sheet growth and capital base: Total assets rose from about $7.12 billion in Q1 2025 to roughly $7.44 billion by Q3 2025, while total equity increased to around $642.6 million in Q3 2025 (vs. roughly $622 million in 2024). This suggests a stronger capital base and expanding balance sheet liquidity.
  • Deposit base and liquidity support: Deposits (non-interest bearing plus interest bearing) show solid levels and an overall growth trajectory across 2025, supporting liquidity and funding flexibility for lending and operations.
  • Credit quality remains mixed but monitored: Provision for credit losses fluctuated through 2025 (e.g., $7.671 million in Q4 2025 vs $4.790 million in Q3 2025 and $6.586 million in Q2 2025). While level shifts occur, these numbers indicate ongoing credit risk management rather than an abrupt deterioration.
  • Non-interest income remains a steady contributor: Total non-interest income in 2025 stayed in the low- to mid-teens of millions (e.g., $21.659 million in Q4 2025), illustrating diversification beyond net interest income.
  • Share count relatively stable, aiding per-share metrics: Weighted-average shares (basic and diluted) hovered around 17.5–17.7 million across 2025 quarters, providing a stable basis for earnings per share calculations.
  • Quarterly cash flow from operations can be lumpy: Net cash from continuing operating activities was negative in Q4 2025 (about $1.12 million), highlighting cash flow volatility within quarterly results.
  • Expense discipline remains a concern for margins: Total non-interest expenses were around $53.5 million in Q4 2025, meaning the non-interest expense base remains a substantial portion of revenue (roughly a mid-60s to high-60s percent range of revenue in recent quarters), which could pressure margins if revenue growth slows.

Notes on the data used for these points (highlights by quarter):

  • Q4 2025: Net Income Attributable to Common Shareholders $12.159 million; Total Revenue $78.201 million; Net Interest Income $56.542 million; Total Non-Interest Income $21.659 million; Provision for Credit Losses $7.671 million; EPS (basic) $0.69, EPS (diluted) $0.68; Net cash from continuing operating activities: −$1.124 million; Total Common Equity around $642.55 million; Total Assets about $7.4396 billion.
  • Q3 2025: Net Income Attributable to Common Shareholders $9.631 million; Total Revenue $70.694 million; Net Interest Income $50.573 million; Total Non-Interest Income $20.121 million; Provision for Credit Losses $4.790 million; EPS (basic) $0.55, EPS (diluted) $0.54; Total Common Equity around $642.55 million; Total Assets about $7.4396 billion.
  • Q2 2025: Net Income Attributable to Common Shareholders $7.941 million; Total Revenue $69.741 million; Net Interest Income $48.290 million; Total Non-Interest Income $21.451 million; Provision for Credit Losses $6.586 million; EPS (basic) $0.45, EPS (diluted) $0.45; Total Common Equity around $629.8 million; Total Assets about $7.2007 billion.
  • Q1 2025: Net Income Attributable to Common Shareholders $7.590 million; Total Revenue $64.359 million; Net Interest Income $45.505 million; Total Non-Interest Income $18.850 million; Provision for Credit Losses $4.471 million; EPS (basic) $0.43, EPS (diluted) $0.42; Total Common Equity around $621.9 million; Total Assets about $7.1207 billion.
05/14/26 12:23 PM ETAI Generated. May Contain Errors.

Peapack-Gladstone Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Peapack-Gladstone Financial's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Peapack-Gladstone Financial's net income appears to be on an upward trend, with a most recent value of $37.33 million in 2025, rising from $19.97 million in 2015. The previous period was $32.99 million in 2024. See Peapack-Gladstone Financial's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Peapack-Gladstone Financial's total revenue changed from $108.17 million in 2015 to $283.00 million in 2025, a change of 161.6%.

Peapack-Gladstone Financial's total liabilities were at $6.87 billion at the end of 2025, a 7.2% increase from 2024, and a 122.3% increase since 2015.

In the past 10 years, Peapack-Gladstone Financial's cash and equivalents has ranged from $4.42 million in 2017 to $24.58 million in 2016, and is currently $8.71 million as of their latest financial filing in 2025.

Over the last 10 years, Peapack-Gladstone Financial's book value per share changed from 17.44 in 2015 to 37.49 in 2025, a change of 115.0%.


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Financial statements for NASDAQ:PGC last updated on 5/12/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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