PGC FY 2025 Earnings Report — Peapack-Gladstone Financial Corporation Revenue & Financial Results | Market Cap Arena

Peapack-Gladstone Financial CorporationPGC

FY 2025 Earnings

Reported March 11, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$441M	—	$403M	—	9.5%
Op. Income	$52M	—	$45M	—	16.4%
Gross Margin	58.1%	—	53.8%	—	4.3pp
Net Margin	8.5%	—	8.2%	—	0.3pp
EPS (Diluted)	$2.11	—	$1.85	—	14.1%
Free Cash Flow	$29M	—	$63M	—	-54.6%

Revenue Flow

Item	Amount
REVENUE	$441M
Cost of Revenue	$185M
GROSS PROFIT	$256M
R&D Expenses	$0
Selling & Marketing	$2M
General & Administrative	$132M
SG&A Expenses	$134M
Other Expenses	$70M
Operating Expenses	$204M
Cost & Expenses	$389M
OPERATING INCOME	$52M
Interest Income	$363M
Interest Expense	$162M
Other Income/Expenses	$0
INCOME BEFORE TAX	$52M
Income Tax Expense	$15M
Net Income from Continuing Ops	$37M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$37M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$37M
D&A	$11M
EBIT	$52M
EBITDA	$63M
EPS	$2
EPS Diluted	$2

Income Statement

Item	Amount
REVENUE	$441M
Cost of Revenue	$185M
GROSS PROFIT	$256M
R&D Expenses	$0
Selling & Marketing	$2M
General & Administrative	$132M
SG&A Expenses	$134M
Other Expenses	$70M
Operating Expenses	$204M
Cost & Expenses	$389M
OPERATING INCOME	$52M
Interest Income	$363M
Interest Expense	$162M
Other Income/Expenses	$0
INCOME BEFORE TAX	$52M
Income Tax Expense	$15M
Net Income from Continuing Ops	$37M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$37M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$37M
D&A	$11M
EBIT	$52M
EBITDA	$63M
EPS	$2
EPS Diluted	$2

Cash Flow Statement

Item	Amount
Net Income	$37M
Depreciation & Amortization	$469.0K
Stock-Based Compensation	$0
Deferred Income Tax	$0
Other Non-Cash Items	$46M
Change in Working Capital	-$40M
OPERATING CASH FLOW	$43M
Capital Expenditure	-$15M
Acquisitions (Net)	$0
Purchases of Investments	$0
Sales/Maturities of Investments	$0
Other Investing Activities	-$736M
NET CASH FROM INVESTING	-$736M
Net Debt Issuance	$38M
Common Stock Repurchased	-$6M
Common Dividends Paid	-$4M
Other Financing Activities	$459M
NET CASH FROM FINANCING	$489M
FREE CASH FLOW	$29M
Net Change in Cash	-$4M

Balance Sheet

Item	Amount
Cash & Equivalents	$9M
Short-Term Investments	$774M
Net Receivables	$32M
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$815M
PP&E (Net)	$80M
Goodwill	$36M
Intangible Assets	$8M
Long-Term Investments	$6.2B
Tax Assets	$0
Other Non-Current Assets	-$6.2B
TOTAL NON-CURRENT ASSETS	$124M
TOTAL ASSETS	$7.5B
Account Payables	$0
Short-Term Debt	$73M
Deferred Revenue	$0
Other Current Liabilities	$6.1B
TOTAL CURRENT LIABILITIES	$6.1B
Long-Term Debt	$142M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$533M
TOTAL NON-CURRENT LIABILITIES	$720M
TOTAL LIABILITIES	$6.9B
Common Stock	$18M
Additional Paid-In Capital	$353M
Retained Earnings	$457M
Treasury Stock	-$123M
Accum. Other Comp. Income	-$48M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$658M
Minority Interest	$0
TOTAL EQUITY	$658M
TOTAL LIABILITIES & EQUITY	$7.5B
Total Debt	$260M
Net Debt	$251M