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Peapack-Gladstone Financial Corporation

PGC Financial Banks Regional

Peapack-Gladstone Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $444.6 million, up 9.26% from fiscal 2024.

Revenue
+10.1%
EPS
+97.8%
Free cash flow
+388.4%
Total debt
−98.9%

Quarter to June 2026, against a year earlier

45.80 1.55 −3.27%
Market cap
$811.6M
P/E
15.6×
Fwd P/E
12.2×
Dividend yield
0.33%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.55
Sold, $m 0.84
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 3 — — — — — — — —
Sell — — 1 — — — 4 — — 2 — —
Insider Ownership 13.76%

Capital & Financial Ratios $m

Size
Market Cap 811.59
Revenue ttm 468.30
Net income ttm 51.92
Free cash flow ttm 102.07
Net debt Q (252.79)
Valuation
P/E 15.63
Forward P/E 12.20
Price / sales 1.73
Forward P/S Powerpack
Price / FCF 7.95
Price / book 1.18
Financial health
Current ratio Q 0.97
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +10.12% (above 0%: growing)
Operating income growth Q +97.98% (above 0%: growing)
EPS, this year +78.22% (at or above 15%: strong)
EPS, next year A +30.92% (at or above 15%: strong)
Revenue, next year A −21.68% (below 0%: weak)
EPS, past 5 yrs +8.92%
EPS, next 5 yrs A +42.79% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 71.14%
10-year low 10-year high
P/S against its own 10 years 37.62%
10-year low 10-year high
P/B against its own 10 years 68.54%
10-year low 10-year high

Dividends

Yield
0.33%
Annual rate
0.15
Payout ratio
5.21%
Growth, 2017–25
0.00%/yr
  1. 0.20 ’17
  2. 0.20 ’18 +0
  3. 0.20 ’19 +0
  4. 0.20 ’20 +0
  5. 0.20 ’21 +0
  6. 0.20 ’22 +0
  7. 0.20 ’23 +0
  8. 0.20 ’24 +0
  9. 0.20 ’25 +0
  10. 0.20 ’26e +0
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 188 391 188 254
Receivables — — — —
Inventory — — — —
Other — — — —
5,589 5,869 6,407 6,897
2023 2024 2025 Q'26
Payables 5,274 6,129 6,589 7,058
ST’ Debt — — — —
Other — — — —
5,678 6,129 6,662 7,132

Compound Annual Growth %

10y 5y 3y
Sales 13.73% 14.34% 16.90%
Cash Flow 3.59% 3.27% (28.68%)
Earnings 6.45% 7.34% (20.49%)
Book Value 9.09% 4.54% 7.29%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.94 Actual 0.99

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.65 0.69 Beat by 0.04
Q1 FY26 0.66 0.80 Beat by 0.14
Q2 FY26 0.87 0.85 Miss by 0.02
Q3 FY26 0.94 0.99 Beat by 0.05
Q4 FY26 0.99 — Reports 4 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.80 0.85 — — —
’25 0.43 0.45 0.54 0.69 2.10
’24 0.48 0.42 0.43 0.52 1.85
’23 1.01 0.73 0.49 0.48 2.71
’22 0.71 1.08 1.09 1.12 4.00
’21 0.67 0.74 0.74 0.78 2.93
’20 0.07 0.43 0.71 0.16 1.37
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 118 122 — — —
’25 105 111 113 116 445
’24 98 101 102 106 407
’23 89 93 98 98 378
’22 59 67 71 81 278
’21 56 57 58 61 232
’20 60 54 60 53 228
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 25 51 — — —
’25 (8) 16 36 (1) 43
’24 19 1 25 26 71
’23 39 5 25 1 70
’22 31 39 35 13 119
’21 30 24 15 7 75
’20 7 14 (2) 18 37
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 23 49 — — —
’25 (11) 10 34 (4) 29
’24 18 0 23 23 63
’23 38 4 24 0 67
’22 30 39 34 13 116
’21 28 23 14 6 72
’20 6 13 (3) 17 34
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 146 173 204 235 228 232 278 378 407 445 468 +13.2% 348 396 446 +0.1%
Gross margin, % 85.88 84.09 78.16 74.34 83.23 90.53 87.14 60.82 56.06 63.65 67.79 (22.2) pt
EBT 43 54 58 66 32 78 102 67 45 52 73 +2.3%
EBT margin, % 29.28 31.33 28.31 28.09 14.07 33.43 36.78 17.82 11.05 11.77 15.51 (17.5) pt
Net income 26 36 44 47 26 57 74 49 33 37 52 +3.9%
Per share, $
Per share, $ Revenue 8.94 9.82 10.75 12.21 12.04 12.36 15.32 21.15 23.04 25.24 26.43 +12.2%
Earnings 1.62 2.06 2.33 2.46 1.39 3.01 4.09 2.74 1.87 2.12 2.93 +3.0%
Cash flow 2.63 3.17 3.39 4.48 1.94 4.02 6.54 3.93 4.03 2.45 6.26 (0.8%)
Capex (0.20) (0.13) (0.06) (0.09) (0.16) (0.21) (0.18) (0.18) (0.43) (0.83) (0.50) +17.3%
Free cash flow 2.43 3.03 3.33 4.39 1.78 3.81 6.37 3.74 3.59 1.62 5.76 (4.4%)
Book value 19.87 22.86 24.73 26.14 27.89 29.08 29.34 32.70 34.30 37.37 40.40 +7.3%
Shares, m 16 18 19 19 19 19 18 18 18 18 18 +0.9%
Valuation, ×
Valuation, × P/E 19.04 17.12 10.81 12.61 16.37 11.72 8.89 10.86 17.14 13.14 15.63 13.8
P/S 3.47 3.59 2.34 2.53 1.89 2.86 2.37 1.40 1.39 1.10 1.73 2.3
P/B 1.56 1.54 1.02 1.18 0.82 1.22 1.24 0.91 0.93 0.75 1.18 1.1
EV/Sales 3.18 3.69 2.53 2.48 (0.15) 2.83 2.18 1.27 0.76 0.91 — 2.0
EV/FCF 11.68 11.94 8.17 6.89 (1.03) 9.18 5.26 7.16 4.88 14.10 — 7.8
Cash, $m
Cash, $m Operating cash flow 43 56 64 86 37 75 119 70 71 43 111 +0.1%
Capex (3) (2) (1) (2) (3) (4) (3) (3) (8) (15) (9) +18.3%
Free cash flow 40 54 63 85 34 72 116 67 63 29 102 (3.6%)
Balance, $m
Balance, $m Working capital 41 94 171 215 180 (316) (129) (89) (260) (255) (235) n/m
Net debt (42) 17 39 (12) (465) (8) (52) (51) (256) (88) (253) +8.4%
Shareholders’ equity 324 404 469 504 527 546 533 584 606 658 716 +8.2%
Returns, %
Returns, % ROA 0.73 0.90 0.99 0.97 0.47 0.95 1.19 0.76 0.49 0.51 0.68 (0.2) pt
ROIC 9.48 8.08 7.10 8.41 32.08 9.02 13.31 7.89 8.04 5.73 9.80 (3.7) pt
ROE 8.83 10.03 10.12 9.75 5.08 10.55 13.76 8.75 5.55 5.91 7.86 (2.9) pt
People
People Employees 338 384 409 446 501 497 498 521 620 682 — +8.1%
Revenue/emp, $m 0.43 0.45 0.50 0.53 0.45 0.47 0.56 0.72 0.66 0.65 — +4.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Peapack-Gladstone Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CCBG Capital City Bank Group $861.6M 13.8× 13.4× −2.57% (below 0%: shrinking) +6.45% (above 0%: growing) +47.12% (above 0%: growing) 89.60% 0.00% Compare
FCBC First Community Bancshares, Inc. $858.8M 14.3× 14.0× +35.47% (above 0%: growing) +77.61% (above 0%: growing) +82.80% (above 0%: growing) 92.36% 0.00% Compare
ALRS Alerus Financial $837.6M 28.4× 10.5× +4.46% (above 0%: growing) +16.67% (above 0%: growing) +136.92% (above 0%: growing) 77.55% 0.00% Compare
RCBC River City Bank $828.4M — — — — — 51.62% 0.00% Compare
SMBK SmartFinancial, Inc. $819.7M 14.1× 12.6× +9.67% (above 0%: growing) +38.57% (above 0%: growing) +68.13% (above 0%: growing) 65.11% 0.00% Compare
PGC Peapack-Gladstone Financial Corporation $811.6M 15.6× 12.2× +10.12% (above 0%: growing) +97.78% (above 0%: growing) +388.43% (above 0%: growing) 70.34% 0.00%
SPFI South Plains Financial, Inc. $807.8M 10.9× 11.3× +19.20% (above 0%: growing) +10.19% (above 0%: growing) +36.07% (above 0%: growing) 72.35% 0.00% Compare
IBCP Independent Bank Corp. $802.2M 10.6× 10.8× +14.65% (above 0%: growing) −4.71% (below 0%: shrinking) −1.00% (below 0%: shrinking) 76.31% 0.00% Compare
SMBC Southern Missouri Bancorp, Inc. $776.7M 11.0× 10.6× +2.83% (above 0%: growing) +31.43% (above 0%: growing) −50.54% (below 0%: shrinking) 64.61% 0.00% Compare
Median of peers $824.1M 13.8× 11.3× +9.67% +16.67% +47.12% 74.33% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 16 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 3.48m 2.07m 126.57
2024 2.70m — 144.62
2023 3.00m 2.48m 133.55
2022 3.07m 3.24m 165.52
2021 2.52m 3.75m 156.53

Ownership

Directors and executive officers, together 5.75%
BlackRock Inc. 8.93%
Dimensional Fund Advisors LP Building One 6.14%
James M. Weichert 6.09%
The Vanguard Group 5.50%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Peapack-Gladstone Financial Corporation (PGC) Latest News

29 Oct

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28 Jul

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26 May

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23 Apr

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22 Apr

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26 Mar

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2 Feb

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29 Jan

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12 Jan

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10 Dec

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stockrow.com/PGC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com