Peapack Gladstone Financial Corp
PGC Nasdaq· Commercial Banks, Nec
Last close · Oct 26, 2026
$45.78
KIRA · Stoqly’s AI analyst, in plain words
- Peapack Gladstone Financial Corp had $283M of revenue in fiscal 2025, up 24.1% on the year before. Over five years, revenue changed +8.4% a year on average.
- Peapack Gladstone Financial Corp made $37.3M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 3.1% a year.
- Peapack Gladstone Financial Corp returned $9.0M to shareholders in fiscal 2025, 31% of free cash flow. The diluted share count fell 0.5%.
- It earned 5.9% on shareholders’ money. Running costs took 73.2% of revenue (the efficiency ratio; lower is better).
Market cap
$853M
P/E
15.8x
Revenue
$283M
Net income
$37.3M
Return on equity
5.9%
Efficiency ratio
73.2%
Peapack Gladstone Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
+24.1%
Yes. Sales grew 24.1% last year.
Does it make a profit?
13.2%
Yes. It keeps 13.2% of every sale as profit.
How lean are its costs?
73.2%
Costly. Running costs take 73.2% of revenue.
How much does it earn on its capital?
5.9%
Low. It earns 5.9% a year on shareholders’ money.
How is the share priced?
15.8x
One share costs 15.8 times its yearly profit per share.
What Peapack Gladstone Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 11, 2026
- Legal name
- PEAPACK GLADSTONE FINANCIAL CORP
- CIK
- 0001050743
Peapack Gladstone Financial Corp · PGC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $210M | $242M | $230M | $228M | $283M |
| Revenue growth | 11.1% | 15.3% | −5.3% | −0.7% | 24.1% |
| Net interest income | $138M | $176M | $156M | $149M | $201M |
| Net income | $56.6M | $74.2M | $48.9M | $33.0M | $37.3M |
| Net margin | 26.9% | 30.6% | 21.3% | 14.5% | 13.2% |
| Diluted EPS | $2.93 | $4.00 | $2.71 | $1.85 | $2.10 |
| Cash | |||||
| Cash from operations | $75.5M | $119M | $70.1M | $71.1M | $43.1M |
| Capital expenditure | $3.9M | $3.5M | $3.3M | $8.1M | $14.3M |
| Free cash flow | $71.5M | $115M | $66.8M | $63.0M | $28.8M |
| FCF margin | 34.0% | 47.6% | 29.1% | 27.6% | 10.2% |
| Dividends paid | $3.8M | $3.6M | $3.6M | $3.5M | $3.5M |
| Share buybacks | $28.6M | $32.7M | $12.5M | $7.2M | $5.4M |
| Share count change | 1.1% | −3.8% | −2.8% | −1.2% | −0.5% |
| Debt and strength | |||||
| Cash and short-term investments | $147M | $190M | $188M | $391M | $188M |
| Debt incl. finance leases | — | $384M | $407M | — | $74.5M |
| Loans, net | $4.7B | $5.2B | $5.4B | — | — |
| Deposits | $5.3B | $5.2B | $5.3B | $6.1B | $6.6B |
| Shareholders' equity | $546M | $533M | $584M | $606M | $658M |
| Returns and quality | |||||
| Return on equity | 10.5% | 13.8% | 8.8% | 5.5% | 5.9% |
| Return on tangible equity | 11.4% | 15.3% | 9.1% | 5.9% | 6.1% |
| Efficiency ratio | 60.0% | 55.2% | 64.6% | 77.0% | 73.2% |
| Piotroski F-score | — | — | 4 | — | — |
Insiders bought, 12 months
$0.5M
3 insiders
Insiders sold, 12 months
$0.8M
6 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Peapack Gladstone Financial Corp · PGC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $45.78 a share, the company is worth $853M: 15.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001050743). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.