Peapack-Gladstone Finl Corp Financials
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).
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
The balance sheet remains highly levered, with debt to equity still around 10x. That structure rests on only
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.
Peapack-Gladstone Finl Corp's revenue surged 24.1% year-over-year to $283.0M, reflecting rapid business expansion. This strong growth earns a score of 52/100.
Peapack-Gladstone Finl Corp has elevated debt relative to equity (D/E of 10.43), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Peapack-Gladstone Finl Corp converts 10.2% of revenue into free cash flow ($28.8M). This strong cash generation earns a score of 73/100.
Peapack-Gladstone Finl Corp generates a 5.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 25/100. This is up from 5.4% the prior year.
Peapack-Gladstone Finl Corp passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
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
Earnings & Revenue
Peapack-Gladstone Finl Corp generated $283.0M in revenue in fiscal year 2025. This represents an increase of 24.1% from the prior year.
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.
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
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.
Peapack-Gladstone Finl Corp held $187.8M in cash against $0 in long-term debt as of fiscal year 2025.
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
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.
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
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.
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 | 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 | 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 | 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 | 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.
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 9, indicating neutral financial health. 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 25 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.