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Peapack-Gladstone Financial Corporation
Peapack-Gladstone Financial Corporation (PGC) investor relations material
Peapack-Gladstone Financial Corporation Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved strong balance sheet and earnings growth, with disciplined execution and strategic expansion in the Metro New York region, including record $13.1B in wealth management AUM/AUA.
Core relationship deposits grew 16% year-over-year, transforming the funding base and reducing reliance on higher-cost funding.
Net income for FY 2025 was $37.3M, up 13% year-over-year; Q4 2025 net income was $12.2M, up 26% sequentially and 32% year-over-year.
Net interest income and margin expanded significantly, with NII up 35% and NIM up 52 bps year-over-year.
Credit quality improved, with nonperforming assets down 41% in the second half and a $15.2M reduction in Q4 2025.
Financial highlights
Total revenue grew 24% to $283M for FY 2025; Q4 2025 revenue was $78.2M, up 26% year-over-year.
Pre-provision net revenue rose 45% to $75.8M for the year.
Net interest margin improved to 2.84% for the year and 3.08% in Q4 2025.
Operating expenses increased 18% for the year and to $53.5M in Q4 2025, but efficiency ratio improved to 68% in Q4.
Tangible book value per share rose 10% year-over-year to $34.99.
Outlook and guidance
Expansion in Metro New York is expected to continue driving growth in deposits, loans, and wealth management.
Management expects higher operating expenses in 2026 due to ongoing expansion and investments, with a focus on disciplined expense management and risk-adjusted loan growth.
Future impact of deposit base transformation on NIM?
What is the strategy for managing problem loans?
Expected ROI from NYC/Long Island expansion?
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Next Peapack-Gladstone Financial Corporation earnings date
Q1 202624 Apr, 2026
Peapack-Gladstone Financial Corporation
Next Peapack-Gladstone Financial Corporation earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
Peapack-Gladstone Financial Corporation is a bank holding company primarily operating through its wholly owned subsidiary, Peapack-Gladstone Bank. The corporation provides a range of banking services including personal, corporate, and wealth management solutions. Its personal banking services encompass checking and savings accounts, personal loans, and residential mortgages. For corporate clients, it offers commercial lending products, cash management, and deposit solutions. Additionally, Peapack-Gladstone Financial Corporation has a significant focus on wealth management services, providing investment management, financial planning, and trust and estate services to individual and institutional clients. The company serves customers predominantly in the New Jersey area. The company is headquartered in Bedminster, New Jersey, and its shares are listed on the NASDAQ.
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