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) Updated Dec 31, 2025 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).

Financial Health Signals

Financial Profile 37/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

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 73/100.

Leverage

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.

Cash Flow

Peapack-Gladstone Finl Corp has a free cash flow margin of 10.2%, earning a moderate score of 50/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Peapack-Gladstone Finl Corp generates a 5.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 24/100. This is up from 5.4% the prior year.

Piotroski F-Score Neutral

6/9

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.

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	N/A	N/A	N/A	N/A	N/A	N/A
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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$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+6.6%	$53.1M
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$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-1.4%	$44.8M
Income Tax	$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-46.3%	$3.8M
Net Income	$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-12.8%	$8.6M
EPS (Diluted)	$0.69+27.8%	$0.54+20.0%	$0.45+4.7%	$0.43-17.3%	$0.52+20.9%	$0.43+2.4%	$0.42-12.5%	$0.48

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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$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+1.5%	$6.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$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+62.0%	$194.8M
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	$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+1.6%	$5.8B
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	$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+1.0%	$582.4M
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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	-$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-95.5%	$19.1M
Capital Expenditures	$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+15.9%	$1.1M
Free Cash Flow	-$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-102.4%	$18.0M
Investing Cash Flow	-$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-20.8%	$78.7M
Financing Cash Flow	$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+163.7%	-$90.6M
Dividends Paid	$877K0.0%	$877K-1.1%	$887K+0.8%	$880K+0.7%	$874K-0.9%	$882K-0.6%	$887K0.0%	$887K
Share Buybacks	$0-100.0%	$2.7M	N/A	N/A	$0-100.0%	$2.6M+19.2%	$2.2M-10.2%	$2.4M

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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	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%-3.0pp	16.3%
Return on Equity	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%-0.2pp	1.5%
Return on Assets	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%-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	10.43-0.1	10.58+0.1	10.43-0.0	10.45-0.1	10.57+0.4	10.18+0.1	10.06+0.1	10.00
FCF Margin	-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%-34.7pp	33.9%

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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 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 7–9 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 37 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.