Peapack-Gladstone Financial Corporation

Peapack-Gladstone Financial Corporation

PGCยทNASDAQ

$42.14

-3.1%
Financial ServicesBanks - Regional

Peapack-Gladstone Financial Corporation operates as the bank holding company for Peapack-Gladstone Bank that provides private banking and wealth management services in the United States. The company operates in two segments, Banking and Peapack Private. It offers checking and savings accounts, money market and interest-bearing checking accounts, certificates of deposit, and individual retirement accounts. The company also provides working capital lines of credit, term loans for fixed asset acquisitions, commercial mortgages, multi-family mortgages, and other forms of asset-based financing services; and residential mortgages, home equity lines of credit, and other second mortgage loans. In addition, it offers corporate and industrial (C&I) and equipment finance, commercial real estate, multifamily, residential, and consumer lending activities; treasury management services; C&I advisory services; escrow management; deposit generation; asset and investment management services; personal trust services, including services as executor, trustee, administrator, custodian, and guardian; and other financial planning, tax preparation, and advisory services. Further, the company provides telephone and Internet banking, merchant credit card, and customer support sales services. Its private banking clients include businesses, non-profits, and consumers; and wealth management clients comprise individuals, families, foundations, endowments, trusts, and estates. The company operates its private banking locations in Bedminster, Morristown, Princeton, and Teaneck, New Jersey; and wealth management branches in Somerset, Morris, Hunterdon, and Union counties, as well as operates automated teller machines at 20 locations. Peapack-Gladstone Financial Corporation was founded in 1921 and is headquartered in Bedminster, New Jersey.

At a Glance

Live Snapshot
Market Cap$746.65M
EPS2.1200
P/E Ratio19.88
Earnings Date07/20/2026
3Y-64.0%
5Y+17.0%
10Y-
3Y+107.0%
5Y+244.0%
10Y+70.0%
3Y+74.0%
5Y-21.0%
10Y+1.0%
PGC

Peapack-Gladstone Financial Corporation Cash Conversion Engine

PGC ยท NASDAQ
Net Income37.33M
Depreciation & Amortization469.00K
Stock-Based Compensation0.00
Change in Working Capital-40.49M
Others45.83M
Capital Expenditures-14.55M
Free Cash Flow28.58M

Cash Flow Quality Analysis

FCF Conversion Rate

76.6%

Moderate conversion rate. Some gap between earnings and cash flow may warrant investigation into working capital or non-cash items.

CapEx Intensity

33.7%

Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.

FCF Growth Trend

-54.6%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

-$40.49M

Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extensionโ€”monitor closely.

Cash Flow Quality Insight

Working capital strain: Significant cash tied up in operations. Monitor receivables collection, inventory turns, and payment terms to optimize cash conversion cycle.

Peapack-Gladstone Financial Corporation Cash Flow Statement

PGC โ€ข NASDAQ

Peapack-Gladstone Financial Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
37.3M
33M
48.9M
74.2M
56.6M
26.2M
47.4M
44.2M
36.5M
26.5M
20M
14.9M
9.3M
9.7M
12.2M
7.7M
7.1M
-22.1M
11.9M
10.2M
469K
4.6M
5M
5M
4.8M
4.4M
4.2M
4.3M
3.6M
3.2M
4M
3M
3.5M
2.9M
2.9M
3.1M
2.4M
2.3M
2.3M
2.6M
0.0
-14.3M
-15.3M
-6.6M
9.5M
8.2M
10M
17M
14.1M
952K
-4M
-1.5M
2.7M
14.3M
-2M
-2.1M
-539K
-19.6M
256K
-1.8M
0.0
154K
178K
145K
126K
224K
158K
189K
122K
156K
319K
283K
319K
336K
362K
332K
343K
347K
203K
0.0
45.8M
11M
34.3M
42.8M
8.8M
29.2M
7.1M
10.1M
11.4M
10.5M
9.1M
8.9M
10M
3.9M
7.3M
11.7M
10M
54.5M
3.3M
2.2M
(19.7M)
(17.7M)
(18.5M)
(25M)
(16.1M)
(9.8M)
(3.6M)
(3.6M)
(11.6M)
(14.9M)
(15.6M)
(7.7M)
(1.2M)
(7.4M)
(2.9M)
(5.2M)
(5.1M)
(9M)
(4.5M)
(0.0)
-40.5M
36.6M
-3M
3.3M
-4.4M
-31.5M
17.5M
-11.5M
-9.8M
1.6M
936K
1.7M
6.9M
-13.4M
1.8M
1.3M
-11.6M
-2.4M
-2M
9.1M
43.1M
71.1M
70.1M
118.9M
75.5M
36.7M
86.3M
64.2M
55.9M
42.9M
30.3M
27.3M
32.7M
17.8M
22.5M
22M
7.8M
13.1M
15.8M
22.3M
INVESTING ACTIVITIES
(0.0)
-8.1M
-3.3M
-3.5M
-3.9M
-3.1M
-1.7M
-1.1M
-2.4M
-3.2M
-1.9M
-3.9M
-2.5M
-1.1M
-975K
-3M
-3.4M
-3.2M
-4.5M
-4.7M
(0.0)
(0.0)
(0.0)
(0.0)
-5.5M
-4.2M
-2.6M
-3.5M
-13.5M
(0.0)
-800K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-899.7M
-629.4M
-420.2M
-762.4M
-452.1M
-216M
-156.9M
-91.6M
-187M
-8M
-179.2M
-129.1M
-59.8M
-292M
-342.2M
-193.5M
-96.7M
-44M
-92.3M
0.0
668.5M
638.5M
565.9M
453.8M
217.1M
208.6M
98.9M
66.5M
73.5M
142.4M
115.8M
156.9M
184.2M
282.3M
287.9M
60.9M
96.7M
93.5M
170.9M
-735.8M
-64.1M
-153.4M
-498.3M
-435.6M
28.2M
-475.3M
-235.1M
-394.5M
-316.4M
-757.1M
-677.9M
-432.9M
-116.4M
-107.8M
38.5M
63.8M
-73.2M
-114.1M
-101.7M
-735.8M
-303.4M
-147.5M
-356.1M
-753.8M
-214M
-487M
-297.7M
-435.5M
-433.2M
-625.4M
-745.2M
-407.7M
(6.9M)
-118.4M
-18.8M
-72.2M
-76.4M
-69.2M
-27.8M
FINANCING ACTIVITIES
-4.4M
-8.1M
-15.7M
-35.7M
-31M
-7.2M
-22.1M
15.1M
34.8M
21.9M
13.6M
7.4M
3.2M
625K
152K
140K
-988K
-1.6M
-1.3M
-646K
38.3M
-403.8M
24.3M
379.5M
-242.1M
57.1M
125.1M
70.1M
10.2M
-13.9M
-13.9M
8.7M
117.4M
-5.5M
-6.4M
-12.4M
-18.5M
10.2M
20.9M
-85.2M
-3.5M
-3.5M
-3.6M
-3.6M
-3.8M
-3.8M
-3.9M
-3.7M
-3.5M
-3.3M
-3.1M
-2.4M
-1.8M
-1.9M
-2.6M
-2.9M
-4.7M
-5.3M
-5.1M
-4.7M
-5.5M
-8.1M
-15.7M
-35.7M
-31M
-7.2M
-22.1M
-1.5M
-1.8M
-554K
-81K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-1.2M
-1.6M
-1.3M
-977K
458.7M
851.4M
70M
-59.8M
448.7M
576.3M
349M
197.7M
287.1M
478.1M
637.3M
700.2M
172.1M
72.4M
92.3M
1.9M
113.1M
58.8M
36.7M
102.8M
489.1M
436M
75M
280.4M
171.8M
622.4M
448.1M
280.8M
330.3M
482.8M
634.1M
714M
290.9M
51.4M
76.3M
-20.4M
117.4M
62M
51.2M
12.2M
CASH FLOW SUMMARY
203.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-4.3M
203.7M
-2.4M
43.3M
-506.5M
445.1M
47.4M
47.3M
-49.2M
92.5M
39M
-3.9M
-84.1M
76.2M
-19.6M
-17.3M
53.1M
-1.3M
-2.1M
6.8M
20.1M
187.7M
190.1M
146.8M
653.3M
208.2M
160.8M
113.4M
162.7M
70.2M
31.2M
35.1M
119.2M
43.1M
62.7M
80M
26.9M
28.2M
30.3M
23.5M
15.9M
391.4M
187.7M
190.1M
146.8M
653.3M
208.2M
160.8M
113.4M
162.7M
70.2M
31.2M
35.1M
119.2M
43.1M
62.7M
80M
26.9M
28.2M
30.3M
28.6M
63M
66.8M
115.4M
71.5M
33.6M
84.6M
63.2M
53.6M
39.7M
28.4M
23.3M
30.2M
16.8M
21.5M
19M
4.4M
9.9M
11.3M
17.6M

SEC Filings

PGC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 30, 2026
April 29, 2026
2026
8-K/A

8-K/A 2026 (Amended)

N/A

April 24, 2026
April 22, 2026
2026
8-K

8-K 2026

N/A

April 22, 2026
April 22, 2026
2026
8-K

8-K 2026

N/A

March 26, 2026
March 24, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 16, 2026
April 29, 2026
2026
10-K

10-K 2025 FY

FY

March 11, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 02, 2026
March 02, 2026
2026
8-K/A

8-K/A 2025 (Amended)

N/A

March 02, 2026
December 18, 2025
2025
8-K

8-K 2026

N/A

February 11, 2026
February 06, 2026
2026
Showing 1 to 10 of 419 filings