What is Peapack-Gladstone Finl Corp's earnings per share (EPS)?

Peapack-Gladstone Finl Corp (PGC) reported diluted earnings per share of $2.10 for fiscal year 2025. This represents a 13.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Peapack-Gladstone Finl Corp Financials

PGC

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Peapack-Gladstone Finl Corp (PGC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI PGC FY2025 2026-05-08

Balance-sheet expansion is the clearest operating mechanic here, while cash conversion has weakened as the franchise got larger.

From FY2024 to FY2025, revenue rebounded from $228.1M to $283.0M, but operating cash flow moved the other way. Free cash flow fell to $28.8M while investing outflow reached $735.8M, implying that growth required fresh funding and was redeployed quickly into earning assets instead of remaining as immediately available cash.

Over FY2023-FY2025, assets kept expanding from $6.48B to $7.53B. Return on assets sat at just 0.5% in FY2025, so the company is getting bigger without materially improving how much profit it extracts from each dollar on the balance sheet.

The balance sheet remains highly levered, with debt to equity still around 10x. That structure rests on only $658.2M of equity supporting $7.53B of assets, which means modest changes in asset profitability can produce outsized changes in shareholder returns.

Financial Health Signals

Financial Health Score 33/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Peapack-Gladstone Finl Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

6/6

Peapack-Gladstone Finl Corp passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.16x

For every $1 of reported earnings, Peapack-Gladstone Finl Corp generates $1.16 in operating cash flow ($43.1M OCF vs $37.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$283.0M

YoY+24.1%

5Y CAGR+8.4%

10Y CAGR+10.1%

Peapack-Gladstone Finl Corp generated $283.0M in revenue in fiscal year 2025. This represents an increase of 24.1% from the prior year.

EBITDA

N/A

Net Income

$37.3M

YoY+13.2%

5Y CAGR+7.3%

10Y CAGR+6.5%

Peapack-Gladstone Finl Corp reported $37.3M in net income in fiscal year 2025. This represents an increase of 13.2% from the prior year.

EPS (Diluted)

$2.10

YoY+13.5%

5Y CAGR+8.9%

10Y CAGR+5.0%

Peapack-Gladstone Finl Corp earned $2.10 per diluted share (EPS) in fiscal year 2025. This represents an increase of 13.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$28.8M

YoY-54.3%

5Y CAGR-3.1%

10Y CAGR+0.2%

Peapack-Gladstone Finl Corp generated $28.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 54.3% from the prior year.

Cash & Debt

$187.8M

YoY-52.0%

5Y CAGR-22.1%

Peapack-Gladstone Finl Corp held $187.8M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

18M

YoY-0.2%

5Y CAGR-1.5%

10Y CAGR+0.9%

Peapack-Gladstone Finl Corp had 18M shares outstanding in fiscal year 2025. This represents a decrease of 0.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

13.2%

YoY-1.3pp

5Y CAGR-0.6pp

10Y CAGR-5.3pp

Peapack-Gladstone Finl Corp's net profit margin was 13.2% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1.3 percentage points from the prior year.

Return on Equity

5.7%

YoY+0.2pp

5Y CAGR+0.7pp

10Y CAGR-1.6pp

Peapack-Gladstone Finl Corp's ROE was 5.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$5.4M

YoY-24.3%

5Y CAGR-3.4%

Peapack-Gladstone Finl Corp spent $5.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 24.3% from the prior year.

Capital Expenditures

$14.3M

YoY+76.8%

5Y CAGR+36.0%

10Y CAGR+22.2%

Peapack-Gladstone Finl Corp invested $14.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 76.8% from the prior year.

PGC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$283.0M+24.1%	$228.1M-0.7%	$229.7M-5.3%	$242.5M+15.3%	$210.3M+11.1%	$189.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$145.5M+18.9%	$122.3M+21.7%	$100.5M+12.3%	$89.5M+9.3%	$81.9M+5.6%	$77.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$161.6M-9.6%	$178.8M+20.9%	$147.9M+313.2%	$35.8M+62.7%	$22.0M-42.3%	$38.1M
Income Tax	$15.0M+25.2%	$12.0M-35.1%	$18.4M-34.4%	$28.1M+33.5%	$21.0M+262.1%	$5.8M
Net Income	$37.3M+13.2%	$33.0M-32.5%	$48.9M-34.2%	$74.2M+31.1%	$56.6M+116.2%	$26.2M
EPS (Diluted)	$2.10+13.5%	$1.85-31.7%	$2.71-32.3%	$4.00+36.5%	$2.93+113.9%	$1.37

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$82.5M-12.2%	$94.0M+32.9%	$70.7M+1.4%	$69.7M+8.4%	$64.4M-25.3%	$86.2M+52.2%	$56.6M0.0%	$56.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$39.4M	N/A	$36.8M+1.9%	$36.1M+0.5%	$35.9M	N/A	$31.1M+3.9%	$29.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$35.2M-6.1%	$37.4M-10.8%	$42.0M+1.5%	$41.4M+1.3%	$40.8M-7.7%	$44.3M-2.8%	$45.5M+3.0%	$44.2M
Income Tax	$5.6M+15.3%	$4.8M+21.6%	$4.0M+19.7%	$3.3M+16.4%	$2.9M-4.8%	$3.0M-5.1%	$3.2M+55.6%	$2.0M
Net Income	$14.2M+16.4%	$12.2M+26.2%	$9.6M+21.3%	$7.9M+4.6%	$7.6M-17.8%	$9.2M+21.8%	$7.6M+0.8%	$7.5M
EPS (Diluted)	$0.80+15.9%	$0.69+27.8%	$0.54+20.0%	$0.45+4.7%	$0.43-17.3%	$0.52+20.9%	$0.43+2.4%	$0.42

PGC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$7.5B+7.3%	$7.0B+8.3%	$6.5B+1.9%	$6.4B+4.5%	$6.1B+3.2%	$5.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$187.8M-52.0%	$391.4M+108.5%	$187.7M-1.3%	$190.1M+29.5%	$146.8M-77.5%	$653.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M+9.4%	$33.1M
Total Liabilities	$6.9B+7.2%	$6.4B+8.7%	$5.9B+1.2%	$5.8B+5.2%	$5.5B+3.1%	$5.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$658.2M+8.6%	$605.8M+3.8%	$583.7M+9.5%	$533.0M-2.5%	$546.4M+3.7%	$527.1M
Retained Earnings	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$7.7B+2.3%	$7.5B+1.2%	$7.4B+3.3%	$7.2B+1.1%	$7.1B+1.6%	$7.0B+3.2%	$6.8B+4.4%	$6.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$253.4M+34.9%	$187.8M-45.9%	$347.2M+10.0%	$315.6M+36.1%	$231.9M-40.7%	$391.4M-20.6%	$492.7M+56.0%	$315.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M
Total Liabilities	$7.0B+1.9%	$6.9B+1.0%	$6.8B+3.4%	$6.6B+1.1%	$6.5B+1.5%	$6.4B+3.5%	$6.2B+4.5%	$5.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$699.2M+6.2%	$658.2M+2.4%	$642.5M+2.0%	$629.8M+1.3%	$621.9M+2.6%	$605.8M-0.3%	$607.6M+3.3%	$588.3M
Retained Earnings	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

PGC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$43.1M-39.3%	$71.1M+1.5%	$70.1M-41.1%	$118.9M+57.6%	$75.5M+105.5%	$36.7M
Capital Expenditures	$14.3M+76.8%	$8.1M+147.2%	$3.3M-6.9%	$3.5M-10.5%	$3.9M+27.7%	$3.1M
Free Cash Flow	$28.8M-54.3%	$63.0M-5.7%	$66.8M-42.1%	$115.4M+61.3%	$71.5M+112.6%	$33.6M
Investing Cash Flow	-$735.8M-142.5%	-$303.4M-105.7%	-$147.5M+58.6%	-$356.1M+52.8%	-$753.8M-252.3%	-$214.0M
Financing Cash Flow	$489.1M+12.2%	$436.0M+481.4%	$75.0M-73.3%	$280.4M+63.2%	$171.8M-72.4%	$622.4M
Dividends Paid	$3.5M-0.3%	$3.5M-0.8%	$3.6M-2.4%	$3.6M-3.4%	$3.8M-0.1%	$3.8M
Share Buybacks	$5.4M-24.3%	$7.2M-42.5%	$12.5M-61.8%	$32.7M+14.3%	$28.6M+341.3%	$6.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$24.6M+2288.2%	-$1.1M-103.1%	$36.2M+127.0%	$15.9M+302.5%	-$7.9M-129.8%	$26.5M+7.2%	$24.7M+2797.2%	$852K
Capital Expenditures	$1.3M-48.7%	$2.5M+15.3%	$2.2M-63.6%	$6.0M+66.8%	$3.6M-10.6%	$4.0M+140.1%	$1.7M+30.8%	$1.3M
Free Cash Flow	$23.3M+739.3%	-$3.6M-110.7%	$34.0M+242.2%	$9.9M+186.6%	-$11.5M-151.2%	$22.4M-2.5%	$23.0M+5437.8%	-$431K
Investing Cash Flow	-$115.7M+55.1%	-$257.7M-28.5%	-$200.4M-3586.1%	-$5.4M+98.0%	-$272.2M+15.1%	-$320.7M-159.2%	-$123.7M-298.5%	$62.3M
Financing Cash Flow	$156.7M+57.6%	$99.4M-49.2%	$195.8M+167.6%	$73.2M-39.3%	$120.6M-37.5%	$193.0M-30.1%	$276.0M+378.2%	$57.7M
Dividends Paid	$879K+0.2%	$877K0.0%	$877K-1.1%	$887K+0.8%	$880K+0.7%	$874K-0.9%	$882K-0.6%	$887K
Share Buybacks	N/A	$0-100.0%	$2.7M	N/A	N/A	$0-100.0%	$2.6M+19.2%	$2.2M

PGC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	13.2%-1.3pp	14.5%-6.8pp	21.3%-9.4pp	30.6%+3.7pp	26.9%+13.1pp	13.8%
Return on Equity	5.7%+0.2pp	5.4%-2.9pp	8.4%-5.6pp	13.9%+3.6pp	10.4%+5.4pp	5.0%
Return on Assets	0.5%+0.0pp	0.5%-0.3pp	0.8%-0.4pp	1.2%+0.2pp	0.9%+0.5pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.43-0.1	10.57+0.5	10.10-0.8	10.92+0.8	10.12-0.1	10.17
FCF Margin	10.2%-17.4pp	27.6%-1.5pp	29.1%-18.5pp	47.6%+13.6pp	34.0%+16.3pp	17.8%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.2%+4.2pp	12.9%-0.7pp	13.6%+2.2pp	11.4%-0.4pp	11.8%+1.1pp	10.7%-2.7pp	13.4%+0.1pp	13.3%
Return on Equity	2.0%+0.2pp	1.8%+0.3pp	1.5%+0.2pp	1.3%+0.0pp	1.2%-0.3pp	1.5%+0.3pp	1.3%-0.0pp	1.3%
Return on Assets	0.2%+0.0pp	0.2%+0.0pp	0.1%+0.0pp	0.1%0.0pp	0.1%-0.0pp	0.1%+0.0pp	0.1%0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.01-0.4	10.43-0.1	10.58+0.1	10.43-0.0	10.45-0.1	10.57+0.4	10.18+0.1	10.06
FCF Margin	28.2%+32.1pp	-3.9%-52.0pp	48.1%+33.8pp	14.2%+32.1pp	-17.8%-43.9pp	26.0%-14.6pp	40.6%+41.4pp	-0.8%

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Frequently Asked Questions

What is Peapack-Gladstone Finl Corp's annual revenue?

Peapack-Gladstone Finl Corp (PGC) reported $283.0M in total revenue for fiscal year 2025. This represents a 24.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Peapack-Gladstone Finl Corp's revenue growing?

Peapack-Gladstone Finl Corp (PGC) revenue grew by 24.1% year-over-year, from $228.1M to $283.0M in fiscal year 2025.

Is Peapack-Gladstone Finl Corp profitable?

Yes, Peapack-Gladstone Finl Corp (PGC) reported a net income of $37.3M in fiscal year 2025, with a net profit margin of 13.2%.

What is Peapack-Gladstone Finl Corp's net profit margin?

Peapack-Gladstone Finl Corp (PGC) had a net profit margin of 13.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Peapack-Gladstone Finl Corp's return on equity (ROE)?

Peapack-Gladstone Finl Corp (PGC) has a return on equity of 5.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Peapack-Gladstone Finl Corp's free cash flow?

Peapack-Gladstone Finl Corp (PGC) generated $28.8M in free cash flow during fiscal year 2025. This represents a -54.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Peapack-Gladstone Finl Corp's operating cash flow?

Peapack-Gladstone Finl Corp (PGC) generated $43.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Peapack-Gladstone Finl Corp's total assets?

Peapack-Gladstone Finl Corp (PGC) had $7.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Peapack-Gladstone Finl Corp's capital expenditures?

Peapack-Gladstone Finl Corp (PGC) invested $14.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Peapack-Gladstone Finl Corp buy back shares?

Yes, Peapack-Gladstone Finl Corp (PGC) spent $5.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Peapack-Gladstone Finl Corp have outstanding?

Peapack-Gladstone Finl Corp (PGC) had 18M shares outstanding as of fiscal year 2025.

What is Peapack-Gladstone Finl Corp's debt-to-equity ratio?

Peapack-Gladstone Finl Corp (PGC) had a debt-to-equity ratio of 10.43 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Peapack-Gladstone Finl Corp's return on assets (ROA)?

Peapack-Gladstone Finl Corp (PGC) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Peapack-Gladstone Finl Corp's Piotroski F-Score?

Peapack-Gladstone Finl Corp (PGC) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Peapack-Gladstone Finl Corp's earnings high quality?

Peapack-Gladstone Finl Corp (PGC) has an earnings quality ratio of 1.16x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Peapack-Gladstone Finl Corp?

Peapack-Gladstone Finl Corp (PGC) scores 33 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.