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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. In the quarter to June 2026, revenue grew 10.1%, EPS grew 97.8%, free cash flow grew 388.4% and total debt fell 98.9%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five; insiders bought in the last twelve months.

43.38 0.05 −0.12%
Market cap
$769.9M
P/E
14.8×
Fwd P/E
11.9×
Dividend yield
0.46%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.55
Total sells 0.84
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — 3 — — — — — — —
Sell — — — 1 — — — 4 — — 2 —
Insider Ownership 13.76%

Capital & Financial Ratios $m

Market Cap 769.93
Revenue 468.30
Net Income 51.92
Free Cash Flow 102.07
Net Debt (252.79)
Current Ratio 0.97
Debt/Equity 0.00
P/E ratio 14.81
Fwd P/E 11.90
P/S ratio 1.64
P/B ratio 1.12
Past 5Y EPS Growth 8.92%
This Y EPS Growth 73.60% (at or above 15%: strong)
Next Y EPS Growth 34.41% (at or above 15%: strong)
Next Y revenue growth (20.85%) (below 0%: weak)
Next 5Y EPS Growth 40.50% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 62.85%
10-year low 10-year high
P/S against its own 10 years 34.46%
10-year low 10-year high
P/B against its own 10 years 54.52%
10-year low 10-year high

Dividends

Payout Ratio 0.07
Annual Dividend Rate 0.20
Annual Dividend Yield 0.46%
total individual payouts
2027 Powerpack
2026 0.20
0.05
0.05
0.05
2025 0.20
0.05
0.05
0.05
0.05
2024 0.20
0.05
0.05
0.05
0.05
2023 0.20
0.05
0.05
0.05
0.05
2022 0.20
0.05
0.05
0.05
0.05
2021 0.20
0.05
0.05
0.05
0.05
2020 0.20
0.05
0.05
0.05
0.05
2019 0.20
0.05
0.05
0.05
0.05
2018 0.20
0.05
0.05
0.05
0.05
2017 0.20
0.05
0.05
0.05
0.05
2016 0.20
0.05
0.05
0.05
0.05
predictions special payouts not included in total or ratios

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%

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 16.17 28.24 23.96 24.61 11.15 22.47 27.71 21.58 20.30 23.96

Analyst estimates 2026–2028

Powerpack
High 31.98 37.30 38.00 31.70 31.72 36.39 42.19 38.99 37.88 35.41
People
People Employees 338 384 409 446 501 497 498 521 620 682
Revenue/emp, $m 0.43 0.45 0.50 0.53 0.45 0.47 0.56 0.72 0.66 0.65
Income, $m
Income, $m Revenue 146 173 204 235 228 232 278 378 407 445
Gross margin, % 85.88 84.09 78.16 74.34 83.23 90.53 87.14 60.82 56.06 63.65
EBT 43 54 58 66 32 78 102 67 45 52
EBT margin, % 29.28 31.33 28.31 28.09 14.07 33.43 36.78 17.82 11.05 11.77
Net income 26 36 44 47 26 57 74 49 33 37
Depreciation 8 9 10 12 17 19 16 17 11 11
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
Earnings 1.62 2.06 2.33 2.46 1.39 3.01 4.09 2.74 1.87 2.12
Cash flow 2.63 3.17 3.39 4.48 1.94 4.02 6.54 3.93 4.03 2.45
Capex (0.20) (0.13) (0.06) (0.09) (0.16) (0.21) (0.18) (0.18) (0.43) (0.83)
Free cash flow 2.43 3.03 3.33 4.39 1.78 3.81 6.37 3.74 3.59 1.62
Book value 19.87 22.86 24.73 26.14 27.89 29.08 29.34 32.70 34.30 37.37
Shares, m 16 18 19 19 19 19 18 18 18 18
Valuation, ×
Valuation, × P/E 19.04 17.12 10.81 12.61 16.37 11.72 8.89 10.86 17.14 13.14
P/S 3.47 3.59 2.34 2.53 1.89 2.86 2.37 1.40 1.39 1.10
P/B 1.56 1.54 1.02 1.18 0.82 1.22 1.24 0.91 0.93 0.75
EV/Sales 3.18 3.69 2.53 2.48 (0.15) 2.83 2.18 1.27 0.76 0.91
EV/FCF 11.68 11.94 8.17 6.89 (1.03) 9.18 5.26 7.16 4.88 14.10
Cash, $m
Cash, $m Operating cash flow 43 56 64 86 37 75 119 70 71 43
Capex (3) (2) (1) (2) (3) (4) (3) (3) (8) (15)
Free cash flow 40 54 63 85 34 72 116 67 63 29
Balance, $m
Balance, $m Working capital 41 94 171 215 180 (316) (129) (89) (260) (255)
Total debt 120 130 200 196 189 139 138 137 135 100
Net debt (42) 17 39 (12) (465) (8) (52) (51) (256) (88)
Shareholders’ equity 324 404 469 504 527 546 533 584 606 658
Returns, %
Returns, % ROA 0.73 0.90 0.99 0.97 0.47 0.95 1.19 0.76 0.49 0.51
ROIC 9.48 8.08 7.10 8.41 32.08 9.02 13.31 7.89 8.04 5.73
ROE 8.83 10.03 10.12 9.75 5.08 10.55 13.76 8.75 5.55 5.91
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
ORRF Orrstown Financial Services Inc $816.1M 9.3× 8.8× +0.90% (above 0%: growing) +8.91% (above 0%: growing) −5.50% (below 0%: shrinking) 70.78% 0.00% Compare
SPFI South Plains Financial, Inc. $809.1M 11.4× 11.7× +16.84% (above 0%: growing) +10.00% (above 0%: growing) +104.00% (above 0%: growing) 72.34% 0.00% Compare
IBCP Independent Bank Corp. $783.4M 10.2× 10.0× +5.66% (above 0%: growing) +12.35% (above 0%: growing) −1.00% (below 0%: shrinking) 76.53% 0.00% Compare
HTB HomeTrust Bancshares, Inc. $776.1M 12.2× 12.9× −4.58% (below 0%: shrinking) −5.94% (below 0%: shrinking) +417.30% (above 0%: growing) 77.45% 0.00% Compare
FISI Financial Institutions, Inc. $773.9M 9.6× 9.2× +0.58% (above 0%: growing) +24.71% (above 0%: growing) +397.95% (above 0%: growing) 68.40% 0.00% Compare
PGC Peapack-Gladstone Financial Corporation $769.9M 14.8× 11.9× +10.12% (above 0%: growing) +97.78% (above 0%: growing) +388.43% (above 0%: growing) 70.34% 0.00%
SMBC Southern Missouri Bancorp, Inc. $769.7M 10.9× 10.3× +2.83% (above 0%: growing) +31.43% (above 0%: growing) −50.54% (below 0%: shrinking) 64.61% 0.00% Compare
ALRS Alerus Financial $765.5M 29.0× 9.7× +1.35% (above 0%: growing) +3.80% (above 0%: growing) +136.92% (above 0%: growing) 77.88% 0.00% Compare
SHBI Shore Bancshares Inc $752.2M 11.4× 10.1× +0.40% (above 0%: growing) +21.74% (above 0%: growing) +185.78% (above 0%: growing) 71.57% 0.00% Compare
Median of peers $775.0M 11.1× 10.1× +1.13% +11.18% +120.46% 71.96% 0.00%

All 323 Banks Regional stocks →

Peapack-Gladstone Financial Corporation (PGC) key facts

  • Strength: Peapack-Gladstone Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $444.6 million, up 9.26% from fiscal 2024.
  • Strength: Net income was $37.3 million, or $2.12 per share (basic), a net margin of 8.40%.
  • Peapack-Gladstone Financial Corporation (PGC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, PGC traded at $43.38, a market capitalization of $769.9 million.
  • At that price the stock trades at 14.8× trailing-twelve-month earnings and 1.6× sales; its P/E is higher than 63% of its own readings over the past ten years.
  • Peapack-Gladstone Financial Corporation pays an annual dividend of $0.20 per share, a yield of 0.46%, with a payout ratio of 6.94%.
  • Return on equity was 5.91% and debt-to-equity 0.00.
  • Its Piotroski F-score is 9 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Peapack-Gladstone Financial Corporation (PGC) Latest News

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