Peapack-Gladstone Financial Corporation (PGC) Key Metrics
PGC valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $769.0M
- Enterprise value
- $650.8M
- P/E (TTM)
- 15.1 10-yr median 12.9
- Forward P/E
- 9.6
- PEG ratio
- 0.64
- Price / sales
- 2.7 10-yr median 2.4
- Price / book
- 1.1 10-yr median 1.1
- EV / EBITDA
- — 10-yr median 4.8
- Dividend yield
- 0.46% $0.20 a year
- Beta
- 0.72
PGC key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsPGC valuation Price multiples at each fiscal year-end price.
PGC returns How much profit the business earns on the capital it uses.
PGC per-share figures Results divided by the shares outstanding at year-end.
PGC financial health Debt, liquidity and how easily interest is covered.
PGC efficiency & capital use Working capital cycle and where the cash goes.
PGC valuation history
PGC returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
PGC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
PGC cash returned to shareholders
PGC price vs earnings per share
PGC key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $493.1M | $571.8M | $538.2M | $691.1M | $683.0M | $434.3M | $599.8M | $482.2M | $628.4M | $510.0M |
| Enterprise value | $301.0M | $308.7M | $353.3M | $477.3M | −$112.0M | −$628.3M | $337.5M | $143.1M | $317.4M | $162.3M |
| P/E ratio | 13.2 | 17.3 | 11.0 | 9.3 | 12.1 | 16.6 | 12.6 | 10.9 | 17.2 | 19.3 |
| Price / sales | 1.1 | 1.4 | 2.3 | 2.5 | 3.0 | 1.9 | 2.5 | 2.4 | 3.6 | 3.5 |
| Price / book | 0.7 | 0.9 | 0.9 | 1.3 | 1.2 | 0.8 | 1.2 | 1.0 | 1.6 | 1.6 |
| Price / free cash flow | 17.3 | 9.1 | 8.1 | 6.0 | 9.5 | 12.9 | 7.1 | 7.6 | 11.7 | 12.8 |
| Price / operating cash flow | 11.4 | 8.0 | 7.7 | 5.8 | 9.1 | 11.8 | 7.0 | 7.5 | 11.2 | 11.9 |
| EV / sales | 0.7 | 0.8 | 1.5 | 1.7 | -0.5 | -2.8 | 1.4 | 0.7 | 1.8 | 1.1 |
| EV / EBITDA | 5.2 | 6.2 | — | 4.4 | — | — | 4.8 | 2.3 | 5.5 | 3.5 |
| EV / free cash flow | 10.5 | 4.9 | 5.3 | 4.1 | — | — | 4.0 | 2.3 | 5.9 | 4.1 |
| Earnings yield | 7.6% | 5.8% | 9.1% | 10.7% | 8.3% | 6.0% | 7.9% | 9.2% | 5.8% | 5.2% |
| Free cash flow yield | 5.8% | 11.0% | 12.4% | 16.7% | 10.5% | 7.7% | 14.1% | 13.1% | 8.5% | 7.8% |
| Dividend yield | 0.7% | 0.6% | 0.7% | 0.5% | 0.6% | 0.9% | 0.6% | 0.8% | 0.6% | 0.6% |
| Shareholder yield (dividends + buybacks) | 2.1% | 2.0% | 3.6% | 5.3% | 4.7% | 2.4% | 4.1% | 1.1% | 0.9% | 0.8% |
| Share price at fiscal year-end | $27.85 | $32.05 | $29.82 | $37.22 | $35.40 | $22.76 | $30.90 | $25.18 | $35.02 | $30.88 |
| Per share | ||||||||||
| Revenue per share | $24.93 | $22.58 | $12.72 | $14.80 | $11.86 | $11.92 | $12.13 | $10.63 | $9.66 | $8.72 |
| Earnings per share | $2.11 | $1.85 | $2.71 | $4.00 | $2.93 | $1.37 | $2.44 | $2.31 | $2.03 | $1.60 |
| Operating cash flow per share | $2.44 | $3.99 | $3.88 | $6.40 | $3.91 | $1.92 | $4.45 | $3.36 | $3.12 | $2.60 |
| Free cash flow per share | $1.61 | $3.53 | $3.70 | $6.21 | $3.71 | $1.76 | $4.36 | $3.30 | $2.98 | $2.40 |
| Cash per share | $23.09 | $24.75 | $40.90 | $40.11 | $48.91 | $66.87 | $30.85 | $28.13 | $24.58 | $28.34 |
| Book value per share | $37.18 | $33.96 | $32.34 | $28.70 | $28.32 | $27.63 | $25.95 | $24.49 | $22.50 | $19.63 |
| Tangible book value per share | $34.70 | $31.44 | $29.79 | $26.16 | $25.79 | $25.33 | $23.86 | $22.80 | $21.17 | $19.44 |
| Dividends per share | $0.20 | $0.20 | $0.20 | $0.20 | $0.20 | $0.20 | $0.20 | $0.19 | $0.20 | $0.20 |
| Capex per share | $0.82 | $0.45 | $0.18 | $0.19 | $0.20 | $0.16 | $0.09 | $0.06 | $0.13 | $0.19 |
| Debt per share | $12.24 | $10.00 | $30.66 | $28.59 | $7.70 | $11.18 | $17.34 | $10.42 | $7.24 | $7.28 |
| Shares outstanding | 17.7M | 17.8M | 18.0M | 18.6M | 19.3M | 19.1M | 19.4M | 19.1M | 17.9M | 16.5M |
| Change in shares outstanding | −0.8% | −1.2% | −2.8% | −3.8% | +1.1% | −1.7% | +1.4% | +6.7% | +8.7% | +7.0% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 5.9% | 5.5% | 8.8% | 13.8% | 10.5% | 5.1% | 9.8% | 10.1% | 10.0% | 8.8% |
| Return on invested capital (ROIC) | 9.2% | 8.9% | −8.4% | 210.2% | — | — | 25.5% | 39.7% | 105.5% | — |
| Return on assets (ROA) | 0.5% | 0.5% | 0.8% | 1.2% | 0.9% | 0.5% | 1.0% | 1.0% | 0.9% | 0.7% |
| Return on tangible assets | 0.5% | 0.5% | 0.8% | 1.2% | 0.9% | 0.4% | 0.9% | 1.0% | 0.9% | 0.7% |
| Free cash flow margin | 6.5% | 15.6% | 29.1% | 42.0% | 31.3% | 14.8% | 35.9% | 31.0% | 30.9% | 27.6% |
| Income quality (OCF / net income) | 1.16 | 2.16 | 1.43 | 1.60 | 1.33 | 1.40 | 1.82 | 1.45 | 1.53 | 1.62 |
| Financial health | ||||||||||
| Total debt | $216.8M | $178.5M | $553.4M | $530.9M | $148.6M | $213.3M | $336.5M | $199.6M | $130.0M | $120.3M |
| Cash & short-term investments | $408.8M | $441.5M | $738.3M | $744.7M | $943.6M | $1.28B | $598.8M | $538.6M | $441.0M | $468.0M |
| Net debt | −$192.0M | −$263.0M | −$184.9M | −$213.8M | −$794.9M | −$1.06B | −$262.3M | −$339.1M | −$311.0M | −$347.7M |
| Debt / equity | 0.33 | 0.29 | 0.95 | 1.00 | 0.27 | 0.40 | 0.67 | 0.43 | 0.32 | 0.37 |
| Debt / assets | 0.03 | 0.03 | 0.09 | 0.08 | 0.02 | 0.04 | 0.06 | 0.04 | 0.03 | 0.03 |
| Net debt / EBITDA | −3.34 | −5.31 | — | −1.99 | −9.64 | −29.18 | −3.73 | −5.47 | −5.37 | −7.57 |
| Current ratio | 0.07 | 0.08 | 0.13 | 0.14 | 0.18 | 0.26 | 0.14 | 0.14 | 0.12 | 0.14 |
| Quick ratio | 0.07 | 0.08 | 0.14 | 0.17 | 0.21 | 0.40 | 0.19 | 0.14 | 0.12 | 0.14 |
| Interest coverage | 0.3 | 0.3 | -0.3 | 2.9 | 3.5 | 0.8 | 1.1 | 1.3 | 2.0 | 2.1 |
| Working capital | −$6.22B | −$5.76B | −$4.97B | −$4.88B | −$4.38B | −$3.66B | −$3.84B | −$3.38B | −$3.28B | −$2.96B |
| Invested capital | $466.2M | $342.8M | $398.8M | $319.2M | −$248.5M | −$535.5M | $241.4M | $130.0M | $92.7M | −$23.5M |
| Tangible asset value | $614.4M | $560.9M | $537.7M | $485.6M | $497.5M | $483.2M | $463.1M | $436.6M | $379.8M | $321.1M |
| Net current asset value | −$6.43B | −$5.93B | −$5.12B | −$5.05B | −$4.57B | −$4.06B | −$4.07B | −$3.60B | −$3.41B | −$3.08B |
| Graham number | $41.99 | $37.59 | $44.38 | $50.82 | $43.24 | $29.21 | $37.77 | $35.65 | $32.09 | $26.61 |
| Graham net-net per share | −$363.47 | −$333.04 | −$285.02 | −$278.18 | −$241.46 | −$231.04 | −$215.44 | −$188.11 | −$189.91 | −$186.50 |
| Capital allocation | ||||||||||
| Dividends paid | $3.5M | $3.5M | $3.6M | $3.6M | $3.8M | $3.8M | $3.9M | $3.7M | $3.5M | $3.3M |
| Share buybacks (net) | $6.7M | $8.1M | $15.7M | $32.7M | $28.6M | $6.5M | $21.0M | $1.5M | $1.8M | $554,000 |
| Dividend payout ratio | 9.4% | 10.7% | 7.3% | 4.9% | 6.7% | 14.4% | 8.1% | 8.4% | 9.7% | 12.4% |
| Dividends + buybacks / free cash flow | 35.7% | 18.4% | 28.9% | 31.5% | 45.3% | 30.5% | 29.4% | 8.3% | 10.0% | 9.7% |
| Capex / revenue | 3.3% | 2.0% | 1.4% | 1.3% | 1.7% | 1.4% | 0.7% | 0.5% | 1.4% | 2.2% |
| Capex / operating cash flow | 33.7% | 11.4% | 4.7% | 3.0% | 5.2% | 8.4% | 2.0% | 1.6% | 4.3% | 7.5% |
| Capex / depreciation | 2.80 | 1.75 | 0.66 | 0.70 | 0.82 | 0.70 | 0.41 | 0.25 | 0.66 | 1.00 |
| Stock-based compensation / revenue | 0.0% | 0.0% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% |
| SG&A / revenue | 30.4% | 31.8% | 46.4% | 34.0% | 37.3% | 35.7% | 30.5% | 32.7% | 33.1% | 35.1% |
| Efficiency | ||||||||||
| Days sales outstanding | 25.6 | 27.4 | 44.4 | 31.1 | 35.2 | 26.5 | 16.5 | 18.2 | 18.5 | 19.0 |
| Days of inventory on hand | — | — | -366.1 | -1,687.3 | -5,440.9 | -2,177.6 | -1,239.8 | — | 14.3 | 7.1 |
| Days payables outstanding | 18.3 | 18.1 | 104.9 | 23,101.5 | 34,522.8 | 315.1 | 130.0 | 252.2 | 277.6 | 267.7 |
| Cash conversion cycle (days) | 7.3 | 9.3 | -426.6 | -24,757.8 | -39,928.5 | -2,466.3 | -1,353.2 | -234.1 | -244.7 | -241.6 |
| Receivables turnover | 14.27 | 13.30 | 8.23 | 11.75 | 10.38 | 13.79 | 22.09 | 20.10 | 19.69 | 19.23 |
| Payables turnover | 20.00 | 20.12 | 3.48 | 0.02 | 0.01 | 1.16 | 2.81 | 1.45 | 1.31 | 1.36 |
| Inventory turnover | — | — | — | — | — | — | — | — | 25.48 | 51.25 |
| Asset turnover | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Average receivables | $30.9M | $30.3M | $27.9M | $23.4M | $22.0M | $16.5M | $10.7M | $10.1M | $8.8M | $7.5M |
| Average payables | $9.3M | $9.3M | $34.5M | $2.67B | $2.69B | $64.7M | $22.9M | $33.2M | $25.4M | $20.6M |
| Average inventory | — | — | −$120.6M | −$194.8M | −$424.6M | −$447.3M | −$218.7M | — | $1.3M | $548,500 |
| Intangibles / total assets | 0.6% | 0.6% | 0.7% | 0.7% | 0.8% | 0.7% | 0.8% | 0.7% | 0.6% | 0.1% |
Computed from PGC's annual financial statements (latest annual report filed March 11, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
PGC valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Peapack-Gladstone Financial traded at 13.2 times earnings, against a 10-year median of 12.9. Based on the latest twelve months, the trailing P/E is 15.1 and the forward P/E is 9.6. Peapack-Gladstone Financial earned a return on equity of 5.9% and a return on invested capital of 9.2% in fiscal 2025. It ended the year with $216.8 million of debt and $408.8 million in cash and short-term investments, a net cash position of $192.0 million. It returned $10.2 million to shareholders: $3.5 million in dividends and $6.7 million in share buybacks, 36% of free cash flow. The share count rose 7.2% from 16.5M to 17.7M over 9 years.
See the PGC income statement, the PGC chart for price history, or the PGC stock overview for the latest quote and news.
PGC key metrics FAQ
What is Peapack-Gladstone Financial's P/E ratio?
Peapack-Gladstone Financial's trailing P/E ratio is 15.1 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 9.6. At the end of fiscal 2025 it was 13.2, compared with a 10-year median of 12.9.
What is Peapack-Gladstone Financial's EV/EBITDA?
Peapack-Gladstone Financial's enterprise value was 5.2 times EBITDA at the end of fiscal 2025 (enterprise value $301.0 million, EBITDA $57.5 million).
What is Peapack-Gladstone Financial's return on equity?
Peapack-Gladstone Financial's return on equity (ROE) was 5.9% in fiscal 2025: net income of $37.3 million on average shareholders' equity of $632.0 million.
What is Peapack-Gladstone Financial's ROIC?
Peapack-Gladstone Financial's return on invested capital was 9.2% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Peapack-Gladstone Financial have?
Peapack-Gladstone Financial had total debt of $216.8 million at the end of fiscal 2025, a debt-to-equity ratio of 0.33 and more cash than debt.
What is Peapack-Gladstone Financial's dividend yield?
Peapack-Gladstone Financial's forward dividend yield is 0.46%. Peapack-Gladstone Financial paid $3.5 million in dividends in fiscal 2025 ($0.20 per share), a payout ratio of 9.4%.
Does Peapack-Gladstone Financial buy back its shares?
Yes. Peapack-Gladstone Financial spent $6.7 million on net share repurchases in fiscal 2025 Shares outstanding changed −0.8% over the year, to 17.7M..
What is Peapack-Gladstone Financial's free cash flow yield?
Peapack-Gladstone Financial generated $28.6 million of free cash flow in fiscal 2025, a free cash flow yield of 5.8% on its market value at year-end ($493.1 million).
What is Peapack-Gladstone Financial's current ratio?
Peapack-Gladstone Financial's current ratio was 0.07 at the end of fiscal 2025: current assets were 0.07 times current liabilities.