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Stocks · Financials · Commercial Banks, NEC

PEAPACK GLADSTONE FINANCIAL CORP

PGC Clue Score51
United States Fiscal year ends December CIK 0001050743
$43.37 -0.66% Close, 9 Oct 2026
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Price $43.37 +30.59% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue125.4Net income26.5EPS, diluted1.60Fiscal year 2017Revenue145.8 +16.3%Net income36.5 +37.8%EPS, diluted2.03 +26.9%Fiscal year 2018Revenue159.4 +9.3%Net income44.2 +21.0%EPS, diluted2.31 +13.8%Fiscal year 2019Revenue175.0 +9.8%Net income47.4 +7.4%EPS, diluted2.44 +5.6%Fiscal year 2020Revenue189.4 +8.2%Net income26.2 −44.8%EPS, diluted1.37 −43.9%Fiscal year 2021Revenue210.3 +11.1%Net income56.6 +116.2%EPS, diluted2.93 +113.9%Fiscal year 2022Revenue242.5 +15.3%Net income74.2 +31.1%EPS, diluted4.00 +36.5%Fiscal year 2023Revenue229.7 −5.3%Net income48.9 −34.2%EPS, diluted2.71 −32.3%Fiscal year 2024Revenue228.1 −0.7%Net income33.0 −32.5%EPS, diluted1.85 −31.7%Fiscal year 2025Revenue283.0 +24.1%Net income37.3 +13.2%EPS, diluted2.10 +13.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 125.4 145.8 159.4 175.0 189.4 210.3 242.5 229.7 228.1 283.0
Growth +16.3% +9.3% +9.8% +8.2% +11.1% +15.3% −5.3% −0.7% +24.1%
Net income 26.5 36.5 44.2 47.4 26.2 56.6 74.2 48.9 33.0 37.3
Growth +37.8% +21.0% +7.4% −44.8% +116.2% +31.1% −34.2% −32.5% +13.2%
EPS, diluted 1.60 2.03 2.31 2.44 1.37 2.93 4.00 2.71 1.85 2.10
Growth +26.9% +13.8% +5.6% −43.9% +113.9% +36.5% −32.3% −31.7% +13.5%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin21.1%Free cash flow margin31.7%Fiscal year 2017Net margin25.0%Free cash flow margin36.7%Fiscal year 2018Net margin27.7%Free cash flow margin39.7%Fiscal year 2019Net margin27.1%Free cash flow margin48.3%Fiscal year 2020Net margin13.8%Free cash flow margin17.8%Fiscal year 2021Net margin26.9%Free cash flow margin34.0%Fiscal year 2022Net margin30.6%Free cash flow margin47.6%Fiscal year 2023Net margin21.3%Free cash flow margin29.1%Fiscal year 2024Net margin14.5%Free cash flow margin27.6%Fiscal year 2025Net margin13.2%Free cash flow margin10.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 21.1% 25.0% 27.7% 27.1% 13.8% 26.9% 30.6% 21.3% 14.5% 13.2%
Free cash flow margin 31.7% 36.7% 39.7% 48.3% 17.8% 34.0% 47.6% 29.1% 27.6% 10.2%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow42.9Capital expenditure−3.2Free cash flow39.7Dividends paid−3.3Fiscal year 2017Operating cash flow55.9Capital expenditure−2.4Free cash flow53.6 +34.9%Dividends paid−3.5Fiscal year 2018Operating cash flow64.2Capital expenditure−1.1Free cash flow63.2 +18.0%Dividends paid−3.7Fiscal year 2019Operating cash flow86.3Capital expenditure−1.7Free cash flow84.6 +33.9%Buybacks−21.0Dividends paid−3.9Fiscal year 2020Operating cash flow36.7Capital expenditure−3.1Free cash flow33.6 −60.2%Buybacks−6.5Dividends paid−3.8Fiscal year 2021Operating cash flow75.5Capital expenditure−3.9Free cash flow71.5 +112.6%Buybacks−28.6Dividends paid−3.8Fiscal year 2022Operating cash flow118.9Capital expenditure−3.5Free cash flow115.4 +61.3%Buybacks−32.7Dividends paid−3.6Fiscal year 2023Operating cash flow70.1Capital expenditure−3.3Free cash flow66.8 −42.1%Buybacks−12.5Dividends paid−3.6Fiscal year 2024Operating cash flow71.1Capital expenditure−8.1Free cash flow63.0 −5.7%Buybacks−7.2Dividends paid−3.5Fiscal year 2025Operating cash flow43.1Capital expenditure−14.3Free cash flow28.8 −54.3%Buybacks−5.4Dividends paid−3.5
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 42.9 55.9 64.2 86.3 36.7 75.5 118.9 70.1 71.1 43.1
Capital expenditure −3.2 −2.4 −1.1 −1.7 −3.1 −3.9 −3.5 −3.3 −8.1 −14.3
Free cash flow 39.7 53.6 63.2 84.6 33.6 71.5 115.4 66.8 63.0 28.8
Growth +34.9% +18.0% +33.9% −60.2% +112.6% +61.3% −42.1% −5.7% −54.3%
Buybacks n/a n/a n/a −21.0 −6.5 −28.6 −32.7 −12.5 −7.2 −5.4
Dividends paid −3.3 −3.5 −3.7 −3.9 −3.8 −3.8 −3.6 −3.6 −3.5 −3.5

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash162.7Shareholders’ equity324.2Fiscal year 2017Cash113.4Shareholders’ equity403.7Fiscal year 2018Cash160.8Shareholders’ equity469.0Fiscal year 2019Cash208.2Shareholders’ equity503.7Fiscal year 2020Cash653.3Shareholders’ equity527.1Fiscal year 2021Cash146.8Shareholders’ equity546.4Fiscal year 2022Cash190.1Shareholders’ equity533.0Fiscal year 2023Cash187.7Shareholders’ equity583.7Fiscal year 2024Cash391.4Shareholders’ equity605.8Fiscal year 2025Cash187.8Shareholders’ equity658.2
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 162.7 113.4 160.8 208.2 653.3 146.8 190.1 187.7 391.4 187.8
Shareholders’ equity 324.2 403.7 469.0 503.7 527.1 546.4 533.0 583.7 605.8 658.2

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
34.1% 37.3% 36.2% 37.8% 16.9% 36.9% 42.2% 29.3% 19.7% 18.5%
21.1% 25.0% 27.7% 27.1% 13.8% 26.9% 30.6% 21.3% 14.5% 13.2%
31.7% 36.7% 39.7% 48.3% 17.8% 34.0% 47.6% 29.1% 27.6% 10.2%
Spending
2.6% 1.6% 0.7% 1.0% 1.6% 1.9% 1.5% 1.4% 3.5% 5.1%
38.1% 32.8% 23.5% 28.3% 18.2% 27.1% 27.5% 27.4% 26.6% 28.6%
Returns
8.2% 9.0% 9.4% 9.4% 5.0% 10.4% 13.9% 8.4% 5.4% 5.7%
0.7% 0.9% 1.0% 0.9% 0.4% 0.9% 1.2% 0.8% 0.5% 0.5%
Balance and payout
91.6% 90.5% 89.8% 90.3% 91.1% 91.0% 91.6% 91.0% 91.4% 91.3%
12.4% 9.7% 8.4% 8.1% 14.4% 6.7% 4.9% 7.3% 10.7% 9.4%
8.3% 6.6% 5.9% 29.4% 30.5% 45.3% 31.5% 24.0% 17.0% 31.1%