Stocks › PGC
Peapack Gladstone Financial PGC
US equityMarket cap rank #3357
$45.90 +$0.12 (+0.26%)
Market closed · Nov 6, 8:20 pm ET · Last extended-hours $45.90 0.00%
Open$45.71
Prev close$45.78
Day range$45.53 – $46.39
Volume114.3K
Market cap$813.71M
P/E (TTM)13.8
Dividend yield0.44%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$86.30M+24.9% YoY
Net profit$18.95M+96.7% YoY
Diluted EPS$0.99+83.3% YoY
Free cash flow$48.59M+389.0% YoY
Operating cash flow$51.22M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin18.4%
Return on equity8.8%
Return on assets0.8%
Liabilities / assets91.3%
Cash & investments$268.88M
Total debt$328.98M
Net cash (debt)-$60.10M
Where the revenue comes from
Quarter 2026/Q2
By business line
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Revenue as Reported | $87.49M | – | – | – | – |
| Total Operating Revenue | $86.30M | $84.18M | $80.76M | $275.91M | $76.16M |
| Net Interest Income | $67.49M | $63.92M | $59.90M | $200.91M | $56.54M |
| -Interest Income | $106.87M | $100.21M | $95.05M | $362.53M | $93.98M |
| -Interest Expense | $39.38M | $36.29M | $35.15M | $161.62M | $37.44M |
| Non-Interest Income | $18.81M | $20.26M | $20.86M | $75.00M | $19.62M |
| -Fees and Commissions | $17.54M | $19.22M | $16.20M | $62.28M | $15.62M |
| -Other Non-Interest Income | $1.14M | $196,000.00 | $4.01M | $9.27M | $2.80M |
| -Gain Loss on Sale of Assets | $131,000.00 | $451,000.00 | $310,000.00 | $1.78M | $650,000.00 |
| Credit Losses Provision | -$8.50M | -$8.09M | -$7.33M | -$23.52M | -$7.67M |
| Non-Interest Expense | $53.96M | $53.79M | $53.70M | $200.09M | $51.50M |
| Occupancy and Equipment | $7.19M | $7.01M | $6.86M | $26.61M | $7.14M |
| Professional Expense and Contract Services Expense | $1.51M | $1.53M | $1.55M | $6.68M | $1.87M |
| Selling and Admin Expenses | $41.24M | $41.57M | $41.02M | $152.36M | $38.69M |
| -Selling & Marketing Expense | $377,000.00 | $468,000.00 | $267,000.00 | $2.05M | $329,000.00 |
| -General & Admin Expense | $40.86M | $41.10M | $40.75M | $150.30M | $38.36M |
| Other Non-Interest Expenses | $4.02M | $3.44M | $4.03M | $13.36M | $3.53M |
| Pretax Profit | $23.84M | $22.30M | $19.73M | $52.31M | $16.99M |
| Tax | $4.90M | $6.33M | $5.57M | $14.98M | $4.83M |
| Net Profit | $18.95M | $15.97M | $14.15M | $37.33M | $12.16M |
| Profit from Continuing Operations | $18.95M | $15.97M | $14.15M | $37.33M | $12.16M |
| Net Income to Parent Company | $18.95M | $15.97M | $14.15M | $37.33M | $12.16M |
| Preferred Stock Dividends | $495,000.00 | $195,000.00 | – | – | – |
| Net Income to Common Stockholders | $18.45M | $15.78M | $14.15M | $37.33M | $12.16M |
| Basic EPS | $1.04 | $0.89 | $0.80 | $2.12 | $0.69 |
| Diluted EPS | $0.99 | $0.86 | $0.80 | $2.10 | $0.69 |
| Dividend Per Share | $0.05 | $0.05 | $0.05 | $0.20 | $0.05 |
| -Total Premiums Earned | – | $386,000.00 | $345,000.00 | $1.68M | $551,000.00 |
| Depreciation & Amortization & Depletion | – | $244,000.00 | $244,000.00 | $1.09M | $271,000.00 |
| -Depreciation & Amortization | – | $244,000.00 | $244,000.00 | $1.09M | $271,000.00 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $8.50B | $7.97B | $7.70B | $7.53B | $7.53B |
| Cash, Cash Equivalents & Federal Funds Sold | $268.88M | $253.89M | $253.41M | $187.82M | $187.82M |
| -Cash and Cash Equivalents | $268.88M | $253.89M | $253.41M | $187.82M | $187.82M |
| Securities Investment | $902.16M | $844.32M | $802.90M | $236.42M | $236.42M |
| -Available for Sale Securities | $12.82M | $715.55M | $673.16M | $13.46M | $13.46M |
| -Held to Maturity Securities | $77.35M | $78.56M | $79.48M | $1.96M | $1.96M |
| -Short Term Investments | $811.99M | $50.21M | $50.26M | $221.00M | $221.00M |
| Net Loan | $7.01B | $6.61B | $6.38B | $6.19B | $6.19B |
| -Gross Loan | $7.08B | $6.68B | $6.44B | $6.26B | $6.26B |
| -Allowance for Loans and Lease Losses | $72.95M | $69.17M | $67.03M | $71.04M | $71.04M |
| Receivables | $35.30M | $34.06M | $33.12M | $31.97M | $31.97M |
| -Accounts Receivable | $35.30M | $34.06M | $33.12M | $31.97M | $31.97M |
| Net PPE | $86.12M | $79.70M | $78.21M | $79.89M | $79.89M |
| -Gross PPE | $86.12M | $79.70M | $78.21M | $127.09M | $127.09M |
| Goodwill and Other Intangible Assets | $43.12M | $43.35M | $43.60M | $43.84M | $43.84M |
| Bank-Owned Life Insurance | $48.27M | $48.07M | $47.90M | $47.76M | $47.76M |
| Foreclosed Assets | $96,000.00 | $908,000.00 | – | – | – |
| Federal Home Loan Bank Stock | $22.20M | $12.93M | $14.17M | $14.61M | $14.61M |
| Other Assets | $82.67M | $38.18M | $50.01M | $695.74M | $695.74M |
| Total Liabilities | $7.76B | $7.25B | $7.00B | $6.87B | $6.87B |
| Total Deposits | $7.36B | $7.06B | $6.83B | $6.59B | $6.59B |
| Short-Term Debt and Capital Lease Obligation | $281.12M | $74.85M | $63.83M | $73.27M | $73.27M |
| -Current Debt | $281.12M | $74.85M | $63.83M | $73.27M | $73.27M |
| Payables | $0.00 | $9.64M | – | $0.00 | $0.00 |
| -Accounts Payable | $0.00 | $9.64M | – | $0.00 | $0.00 |
| Long Term Debt and Capital Lease Obligation | $47.86M | $42.60M | $42.60M | $143.51M | $143.51M |
| -Long Term Capital Lease Obligation | $47.86M | $42.60M | $42.60M | $44.48M | $44.48M |
| Other Liabilities | $74.56M | $69.82M | $60.47M | $62.45M | $62.45M |
| Total Equity | $735.63M | $715.79M | $699.20M | $658.21M | $658.21M |
| Stockholders' Equity | $735.63M | $715.79M | $699.20M | $658.21M | $658.21M |
| -Goodwill | – | $36.21M | $36.21M | $36.21M | $36.21M |
| -Other Intangible Assets | – | $7.14M | $7.38M | $7.63M | $7.63M |
| Deferred Assets | – | $5.41M | $0.00 | $772,000.00 | $772,000.00 |
| Capital Stock | – | $48.23M | $48.22M | $18.10M | $18.10M |
| -Common Stock | – | $18.23M | $18.22M | $18.10M | $18.10M |
| -Preferred Stock | – | $30.00M | $30.00M | $0.00 | $0.00 |
| Additional Paid-In Capital | – | $354.75M | $352.93M | $353.27M | $353.27M |
| Retained Earnings | – | $485.52M | $470.63M | $457.36M | $457.36M |
| Less: Treasury Stock | – | $122.95M | $122.95M | $122.95M | $122.95M |
| Gains/Losses Not Affecting Retained Earnings | – | -$49.76M | -$49.63M | -$47.56M | -$47.56M |
| Non-Current Deferred Liabilities | – | – | $6.09M | – | – |
| -Accumulated Depreciation | – | – | – | -$47.20M | -$47.20M |
| -Long Term Debt | – | – | – | $99.03M | $99.03M |
Cash flow
| Line item | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| Operating Cash Flow | $51.22M | $24.60M | $43.13M | -$1.12M | $36.19M |
| Net cash flow from continuing operations | $51.22M | $24.60M | $43.13M | -$1.12M | $36.19M |
| Net Income from Continuing Operations | $15.97M | $14.15M | $37.33M | $12.16M | $9.63M |
| Gain/Loss from Continuing Operations | -$506,000.00 | -$394,000.00 | -$1.06M | -$281,000.00 | $140,000.00 |
| Depreciation & Depletion & Amortization | $1.42M | $1.41M | $5.20M | $1.40M | $1.34M |
| Deferred Tax | -$10.82M | $7.61M | $7.78M | $10.70M | -$228,000.00 |
| Other Non-Cash Items | $5.44M | -$1.98M | $5.88M | $4.05M | -$2.55M |
| Change in Working Capital | $30.02M | -$4.18M | -$40.54M | -$38.02M | $21.89M |
| -Change in Receivables | -$945,000.00 | -$1.14M | -$2.07M | $2.15M | -$911,000.00 |
| -Change in Payables and Accrued Expense | $17.99M | -$3.41M | -$23.07M | -$27.87M | $28.76M |
| -Change in Other Current Assets | $13.15M | $505,000.00 | -$15.35M | -$12.65M | -$5.82M |
| -Change in Other Working Capital | -$175,000.00 | -$135,000.00 | -$48,000.00 | $352,000.00 | -$142,000.00 |
| Net cash flow from investing | -$291.86M | -$115.71M | -$735.76M | -$257.66M | -$200.45M |
| Net Cash Flow from Continuing Investing Activities | -$291.86M | -$115.71M | -$735.76M | -$257.66M | -$200.45M |
| Net PPE Purchase and Sale | -$2.61M | -$1.23M | -$14.55M | -$2.80M | -$2.17M |
| Net Investment Purchase and Sale | -$42.74M | $77.06M | $48.27M | -$11.61M | $19.85M |
| Net Income from Loans | -$247.74M | -$191.97M | -$767.25M | -$240.04M | -$218.21M |
| Net Other Investing Changes | $1.24M | $435,000.00 | -$2.23M | -$3.22M | $80,000.00 |
| Financing Cash Flow | $241.11M | $156.71M | $489.09M | $99.42M | $195.85M |
| Net Cash Flow from Continuing Financing Activities | $241.11M | $156.71M | $489.09M | $99.42M | $195.85M |
| Increase/Decrease in Deposit | $230.83M | $237.79M | $459.96M | $26.82M | $199.04M |
| Net Issuance Payments of Debt | $11.02M | -$109.44M | $38.27M | $73.27M | $0.00 |
| Net Common Stock Issuance | -$11,000.00 | -$1.07M | -$6.69M | $0.00 | -$2.67M |
| Net Preferred Stock Issuance | $0.00 | $30.00M | – | – | – |
| Cash Dividends Paid | -$1.08M | -$879,000.00 | -$3.52M | -$877,000.00 | -$877,000.00 |
| Proceeds from Stock Option Exercised | $347,000.00 | $311,000.00 | $1.13M | $271,000.00 | $352,000.00 |
| Ending Cash Balance | $253.89M | $253.41M | $187.82M | $187.82M | $347.19M |
| Net Change in Cash | $480,000.00 | $65.59M | -$203.55M | -$159.37M | $31.58M |
| Beginning Cash Balance | $253.41M | $187.82M | $391.37M | $347.19M | $315.60M |
| Free Cash Flow | $48.59M | $23.30M | $28.58M | -$3.88M | $34.00M |
| Net Other Financing Activities | – | – | -$58,000.00 | – | – |
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