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Peapack-Gladstone Financial Corporation (PGC) investor relations material
Peapack-Gladstone Financial Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net income for Q3 2025 was $9.6 million, up 27% year-over-year and 21% sequentially; diluted EPS rose to $0.54 from $0.43 year-over-year and $0.45 in Q2 2025.
Total revenue for Q3 2025 increased 25% year-over-year to $70.7 million, driven by higher interest income and lower interest expense.
Deposits grew $433 million year-to-date, funding $506 million in loan growth at a 6.75% weighted average coupon.
Wealth management AUM/AUA reached $12.9 billion, with $214 million in new business inflows in Q3 and fee income of $15.8 million, representing 22% of total revenue.
Expansion in Metro New York and Long Island continued, with new teams and advisors added, supporting ongoing growth.
Financial highlights
Net interest income for Q3 2025 was $50.6 million, up 34% year-over-year and 5% sequentially; net interest margin expanded to 2.81% from 2.34% year-over-year and 2.77% in Q2 2025.
Operating expenses rose to $52.3 million, reflecting expansion costs and higher compensation.
Return on average assets (ROAA) for Q3 2025 was 0.53%, and return on average equity (ROAE) was 6.12%.
Total assets at September 30, 2025 were $7.44 billion, up from $7.01 billion at year-end 2024.
Allowance for credit losses (ACL) was $68.6 million (1.14% of loans) at September 30, 2025, down from $73.0 million (1.32%) at year-end 2024 and $81.8 million (1.40%) in Q2 2025.
Outlook and guidance
Management expects continued growth in net interest income and margin, supported by expansion into New York City and Long Island and ongoing investments in talent and infrastructure.
The company remains focused on growing lower-cost core deposits, managing operating expenses, and capital preservation.
Capital and liquidity positions are considered strong, supporting future growth and stress scenarios.
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Next Peapack-Gladstone Financial Corporation earnings date
Q4 202526 Jan, 2026
Next Peapack-Gladstone Financial Corporation earnings date
Q4 202526 Jan, 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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