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PEAPACK GLADSTONE FINANCIAL CORP

PGC

$45.82 ▼ -0.20 (-0.43%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

PEAPACK GLADSTONE FINANCIAL CORP shows strong fundamentals with top-quartile Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $807.0M

Dividend Yield —

Revenue Growth 24.1% ↗

Op. Margin 18.5% ↘

ROIC None

FCF / Share None

Trailing P/E 21.6x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.11

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$283.00M

↑ +24.1% —

Net Income Profit after all expenses

$37.33M

↑ +13.2% —

Operating Margin Operating profit as % of sales

18.5%

↓ -6.2% 73th

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.20 Latest / share

+0.0% YoY

+0.0% 5-yr CAGR

$0.20

FY 2014

$0.20

FY 2015

$0.20

FY 2016

$0.20

FY 2017

$0.20

FY 2018

FY 2019

FY 2020

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	24.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+301%)	-0.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-111%)	-5.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-188%)	15.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+155%)	11.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+84%)	8.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+37%)	9.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+63%)	9.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+55%)	16.3% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+171%)	15.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+165%)	21.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+266%)	20.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+248%)	0.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-85%)	10.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+80%)	2.5% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-58%)	3.0% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-50%)	—	—
EPS Growth YoY (%)	13.4% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-31.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-33.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	35.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	116.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-43.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	12.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	27.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	23.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	6.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	20.6% Good → Good Stable Year-over-year change in earnings per share Optimal: > 10%	-2.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-16.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	83.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	6.3% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	13.2% Fair ↑ Fair Improving Year-over-year change in net income	-32.5% Weak ↓ Weak Declining Year-over-year change in net income	-34.2% Weak ↓ Weak Declining Year-over-year change in net income	31.1% Excellent ↑ Excellent Improving Year-over-year change in net income	116.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-44.8% Weak ↓ Weak Declining Year-over-year change in net income	7.4% Fair ↓ Fair Declining Year-over-year change in net income	21.0% Good ↓ Good Declining Year-over-year change in net income	37.8% Excellent ↓ Excellent Declining Year-over-year change in net income	32.6% Excellent ↑ Excellent Improving Year-over-year change in net income	34.1% Excellent ↑ Excellent Improving Year-over-year change in net income	60.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-4.5% Weak ↓ Weak Declining Year-over-year change in net income	-20.3% Weak ↓ Weak Declining Year-over-year change in net income	58.8% Excellent Excellent Year-over-year change in net income	7.5% Fair Fair Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	5.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	2.7% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	6.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.8% Good ↓ Good Declining Compound annual revenue growth over 3 years	13.8% Good ↓ Good Declining Compound annual revenue growth over 3 years	18.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	19.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	14.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	4.7% Caution Caution Compound annual revenue growth over 3 years	5.4% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	8.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	5.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	10.7% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	14.6% Excellent → Excellent Stable Compound annual revenue growth over 5 years	16.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.1% Good Good Compound annual revenue growth over 5 years	7.4% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-19.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-14.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	25.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	18.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	8.9% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-12.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	14.9% Good ↓ Good Declining Compound annual EPS growth over 3 years	21.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	18.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	7.7% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-0.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	14.5% Good Good Compound annual EPS growth over 3 years	17.9% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	18.5% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	19.7% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	29.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	42.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	36.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	16.9% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	37.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	36.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	37.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	34.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	28.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.4% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.3% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.1% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	13.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	14.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	21.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	30.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	26.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	13.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	27.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	27.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	25.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	21.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	16.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	12.6% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	13.3% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	18.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	12.0% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	11.5% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	5.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	5.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	8.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	13.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+16%)	10.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	5.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	9.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	9.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	9.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	8.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	7.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	6.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	5.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	6.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-46%)	6.0% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.11x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	—	0.69x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-42%)	0.71x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-41%)	—	0.03x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.25x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	0.15x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.23x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.32x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$16.07	$12.91	$12.87	$13.35	$11.19	$10.02	$9.08	$8.40	$8.25	$7.68	$7.12	$7.35	$8.07	$8.28	$7.51	—	—	—
Basic EPS, GAAP (USD)	$2.12	$1.87	$2.74	$4.09	$3.01	$1.39	$2.46	$2.33	$2.07	$1.62	$1.31	$1.23	$1.02	$1.05	$1.25	$0.68	$0.64	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	—	—	—	—	—	—	—	$0.20	$0.20	$0.20	$0.20	$0.20	$0.20	$0.20	$0.20	$0.20	$0.26	—
Book Value per Share (USD)	$37.49	$34.45	$32.90	$29.92	$29.70	$27.78	$26.61	$24.25	$21.68	$19.87	$17.16	$15.99	$14.48	$13.69	$14.07	$13.12	$13.70	$9.64
Tangible Book Value per Share (USD)	$34.99	$31.89	$30.31	$27.26	$27.05	$25.47	$24.47	$22.58	$20.40	$19.77	$16.95	$15.95	$14.48	$13.69	$14.07	$13.12	$13.70	$9.64
Basic Weighted Avg Shares (shares)	17.61M	17.66M	17.85M	18.16M	18.79M	18.90M	19.27M	18.97M	17.66M	16.32M	15.19M	12.07M	9.09M	8.78M	8.74M	—	—	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	—	8.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	9.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	12.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	15.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	19.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	16.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$658.21M	$605.85M	$583.68M	$532.98M	$546.39M	$527.12M	$503.65M	$469.01M	$403.68M	$324.21M	$275.68M	$242.27M	$170.66M	$122.06M	$122.97M	$117.72M	$119.51M	$83.89M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$283.00M	$228.13M	$229.67M	$242.50M	$210.30M	$189.36M	$174.97M	$159.36M	$145.77M	$125.35M	$108.17M	$88.70M	$73.37M	$72.71M	$65.63M	$64.00M	$62.15M	—
Depreciation Expense (USD)	$4.12M	$3.54M	$3.69M	$3.48M	$3.19M	$3.13M	$3.12M	$3.13M	$3.27M	$3.09M	$3.92M	$2.99M	$3.54M	$2.95M	$2.87M	$3.15M	$2.43M	—
Net Income, GAAP (USD)	$37.33M	$32.99M	$48.85M	$74.25M	$56.62M	$26.19M	$47.43M	$44.17M	$36.50M	$26.48M	$19.97M	$14.89M	$9.26M	$9.70M	$12.17M	$7.66M	$7.13M	—
Operating Cash Flow (USD)	$43.13M	$71.10M	$70.08M	$118.90M	$75.46M	$36.72M	$86.30M	$64.25M	$55.94M	$42.93M	—	—	$32.70M	$17.85M	$22.46M	$21.95M	$7.80M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.7%	2.1%	2.4%	2.8%	2.3%	2.2%	2.3%	2.5%	2.6%	2.5%	2.5%	2.5%	2.7%	3.1%	3.1%	3.3%	—	—
Efficiency Ratio (%) (%)	73.2%	77.0%	64.6%	55.2%	60.0%	66.0%	59.9%	61.6%	58.7%	59.9%	63.7%	67.1%	79.9%	77.9%	78.7%	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 65 quarters

PEAPACK GLADSTONE FINANCIAL CORP

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