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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Net Income
$15,777K
EPS
$0.86
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans, including fees
-
-
78,713*
-
Interest and fees on loans
90,706
86,590
-
82,080
Taxable
6,947
7,126
7,702*
7,504
Interest on loans held for sale
7
8
-
1
Interest on interest-earning deposits
2,550
1,325
2,817*
2,960
Total interest income
100,210
95,049
89,232*
92,545
Interest on savings and interest-bearing deposit accounts
33,176
30,403
32,775*
37,378
Interest on certificates of deposit
2,947
3,099
3,482*
3,657
Interest on borrowed funds
154
432
-972*
-
Interest on finance lease liability
12
12
14*
13
Interest on subordinated debt
-
1,207
1,438*
924
Subtotal - interest expense
36,289
35,153
36,736*
41,972
Interest-bearing demand - brokered
-
-
-120*
-
Total interest expense
36,289
35,153
36,616*
41,972
Net interest income before provision for credit losses
63,921
59,896
52,616*
50,573
Provision for credit losses
8,088
7,327
6,454*
4,790
Net interest income after provision for credit losses
55,833
52,569
46,162*
45,783
Wealth management fee income
17,220
16,503
15,077*
15,798
Service charges and fees
-
1,359
1,240*
1,184
Bank owned life insurance
-
345
546*
383
Gain on loans held for sale at fair value (mortgage banking)
-
72
83*
6
Gain/(loss) on loans held for sale at lower of cost or fair value
-
-
728*
-364
Fee income related to loan level, back-to-back swaps
-
-
161*
0
Gain on sale of sba loans
-
403
498*
203
Loan fee income
2,069
-
-
-
Corporate advisory fee income
-
69
-263*
692
Capital markets revenue
925
-
-
-
Other income
1,917
4,011
1,489*
2,094
Securities gains
-
-
-
0
Securities losses
-
-81
2*
-
Fair value adjustment for cra equity security
-
-84
168*
125
Total other income
22,131
22,597
19,727*
20,121
Compensation expense
29,352
29,782
-
-
Compensation and employee benefits
-
-
36,267*
36,756
Benefits expense
10,250
9,583
-
-
Premises and equipment
7,009
6,858
6,638*
6,676
Fdic insurance expense
1,495
1,388
1,225*
1,345
Professional and legal fees
1,532
1,554
-
-
Trust department expense
1,189
1,180
-
-
Loan expense
687
556
-
-
Advertising
468
267
-
-
Other expense
3,685
4,272
6,754*
7,520
Total operating expenses
55,667
55,440
50,883*
52,297
Income before income tax expense
22,297
19,726
15,006*
13,607
Income tax expense
6,325
5,573
4,038*
3,976
Net income
15,972
14,153
10,968
9,631
Dividends on preferred stock
195
-
-
-
Net income available to common shareholders
15,777
-
-
-
Basic EPS
0.89
0.8
0.625
0.55
Diluted EPS
0.86
0.8
0.617
0.54
Basic Average Shares
17,717,883
17,585,846
17,555,723
17,576,899
Diluted Average Shares
18,625,408
17,760,678
17,789,421
17,686,979
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Interest and fees on loans
$90,706K
(13.87%↑ Y/Y)
Taxable
$6,947K
(-17.00%↓ Y/Y)
Interest on
interest-earning deposits
$2,550K
(57.60%↑ Y/Y)
Interest on loans held for
sale
$7K
(16.67%↑ Y/Y)
Total interest income
$100,210K
(11.78%↑ Y/Y)
Net interest income
before provision for...
$63,921K
(32.37%↑ Y/Y)
Wealth management fee
income
$17,220K
(8.01%↑ Y/Y)
Loan fee income
$2,069K
Other income
$1,917K
(-38.08%↓ Y/Y)
Capital markets revenue
$925K
Total interest
expense
$36,289K
(-12.26%↓ Y/Y)
Net interest income
after provision for...
$55,833K
(33.88%↑ Y/Y)
Total other income
$22,131K
(3.17%↑ Y/Y)
Provision for credit
losses
$8,088K
(22.81%↑ Y/Y)
Subtotal - interest
expense
$36,289K
(-12.03%↓ Y/Y)
Income before income
tax expense
$22,297K
(97.98%↑ Y/Y)
Total operating
expenses
$55,667K
(7.27%↑ Y/Y)
Interest on savings and
interest-bearing deposit...
$33,176K
(-7.35%↓ Y/Y)
Interest on certificates
of deposit
$2,947K
(-26.36%↓ Y/Y)
Interest on borrowed
funds
$154K
(-69.50%↓ Y/Y)
Interest on finance lease
liability
$12K
(-7.69%↓ Y/Y)
Net income
$15,972K
(101.13%↑ Y/Y)
Income tax expense
$6,325K
(90.45%↑ Y/Y)
Compensation expense
$29,352K
Benefits expense
$10,250K
Premises and equipment
$7,009K
(5.54%↑ Y/Y)
Other expense
$3,685K
(-54.76%↓ Y/Y)
Professional and legal fees
$1,532K
(-6.87%↓ Y/Y)
Fdic insurance
expense
$1,495K
(43.06%↑ Y/Y)
Trust department
expense
$1,189K
(8.88%↑ Y/Y)
Loan expense
$687K
(-24.42%↓ Y/Y)
Advertising
$468K
(-49.08%↓ Y/Y)
Net income
available to common...
$15,777K
Dividends on preferred
stock
$195K
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PEAPACK GLADSTONE FINANCIAL CORP (PGC)
PEAPACK GLADSTONE FINANCIAL CORP (PGC)