What is the 13F Pro Quality Score for PGC?

13F Pro ranks PEAPACK GLADSTONE FINANCIAL CORP (PGC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PGC's current score at https://13fpro.ai/research/PGC (free sign-up required for the full ranking).

Where does 13F Pro source PGC data?

All PEAPACK GLADSTONE FINANCIAL CORP fundamentals and ownership data come directly from SEC EDGAR. PEAPACK GLADSTONE FINANCIAL CORP files with the SEC under CIK 1050743. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PGC in?

PEAPACK GLADSTONE FINANCIAL CORP (PGC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is PGC research updated on 13F Pro?

PGC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

PEAPACK GLADSTONE FINANCIAL CORP(PGC)Stock Analysis

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13F Pro Quality Score

60.1/100

Rank #877 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

69.8/100

Profitability

73.0/100

Balance Sheet

39.3/100

Earnings Quality

26.4/100

Free Cash Flow

77.5/100

Institutional Flow

71.5/100

Revenue Scale

29.1/100

Dilution Risk

94.9/100

PGC Stock Analysis & AI Quality Score

AI stock analysis and institutional research for PEAPACK GLADSTONE FINANCIAL CORP (PGC), a Financials sector company. 13F Pro's AI-powered ranking engine scores PGC at 60.1/100 on a 32-signal composite quality model, placing it at rank #877 of 2,879 stocks — the top half of the AI-ranked universe. PGC scores in the top quartile across free cash flow (77.5). Areas of concern include earnings quality (26.4) and revenue scale (29.1), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), PEAPACK GLADSTONE FINANCIAL CORP reports quarterly revenue of $82.5M, net income of $14.2M, an operating margin of 23.9%. Top institutional holders of PGC by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. PGC trades on the Nasdaq exchange and files with the SEC under CIK 1050743. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PGC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for PEAPACK GLADSTONE FINANCIAL CORP directly from SEC EDGAR.

Revenue

Q1 2026

$82.5M

Net Income

Q1 2026

$14.2M

Free Cash Flow

Q1 2026

$23.3M

Operating Margin

Q1 2026

23.9%

ROIC

Q1 2026

2.8%

D/E Ratio

Q1 2026

0.09

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+24.1% YoY

$283.0MFY 2025

FY22 $242.5MFY23 $229.7MFY24 $228.1MFY25 $283.0M

Net Income

+13.2% YoY

$37.3MFY 2025

FY22 $74.2MFY23 $48.9MFY24 $33.0MFY25 $37.3M

EPS (Diluted)

+13.5% YoY

$2.10FY 2025

FY22 $4.00FY23 $2.71FY24 $1.85FY25 $2.10

Total Assets

+7.3% YoY

$7.53BFY 2025

FY22 $6.35BFY23 $6.48BFY24 $7.01BFY25 $7.53B

Total Debt

$73.3MFY 2025

FY22 $379.5MFY23 $403.8MFY24 —FY25 $73.3M

Op. Cash Flow

-39.3% YoY

$43.1MFY 2025

FY22 $118.9MFY23 $70.1MFY24 $71.1MFY25 $43.1M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2020	FY 2019
Revenue	$283.0M +24.1%	$228.1M -0.7%	$229.7M -5.3%	$242.5M +28.1%	$189.4M +8.2%	$175.0M
Net Income	$37.3M +13.2%	$33.0M -32.5%	$48.9M -34.2%	$74.2M +183.5%	$26.2M -44.8%	$47.4M
EPS (Diluted)	$2.10 +13.5%	$1.85 -31.7%	$2.71 -32.3%	$4.00 +192.0%	$1.37 -43.9%	$2.44
Total Assets	$7.53B +7.3%	$7.01B +8.3%	$6.48B +1.9%	$6.35B +7.9%	$5.89B +13.7%	$5.18B
Total Debt	$73.3M	—	$403.8M +6.4%	$379.5M +2430.2%	$15.0M -88.3%	$128.1M
Operating Cash Flow	$43.1M -39.3%	$71.1M +1.5%	$70.1M -41.1%	$118.9M +223.8%	$36.7M -57.4%	$86.3M

AI Insight: PGC Financial Trends

PGC revenue surged 44% from $57M in Q2 2024 to $82M in Q1 2026 while net income nearly doubled to $14M, signaling sustained earnings momentum.

• Revenue grew steadily from $57M in Q2 2024 to $82M in Q1 2026, a 44% increase over eight quarters.

• Net income nearly doubled from $8M in Q2 2024 to $14M in Q1 2026, with the sharpest acceleration in Q4 2025–Q1 2026.

• Equity expanded from $588M in Q2 2024 to $699M in Q1 2026, strengthening the balance sheet consistently.

• Operating cash flow remained volatile, swinging from -$8M in Q1 2025 to $36M in Q3 2025 and -$1M in Q4 2025.

⚠ Total debt data is missing for Q1–Q3 2025, making leverage trend assessment incomplete for that period.

⚠ Operating cash flow turned negative in Q1 2025 and Q4 2025 despite rising net income — cash conversion warrants scrutiny.

AI Insight: PGC Ratio Trends

Q1 2026 marks PGC's strongest profitability quarter in the dataset, with operating margin hitting 23.9% and ROIC reaching 10.3%.

• Operating margin expanded from 16.2% in Q1 2025 to 23.9% in Q1 2026, a 770bp year-over-year improvement.

• ROIC surged from 3.9% in Q2 2024 to 10.3% in Q1 2026, nearly tripling over five quarters.

• ROE climbed from 4.9% in Q1 2025 to 8.1% in Q1 2026, with ROA recovering to 0.7%.

• D/E collapsed from 0.69 in Q2 2024 to 0.09 in Q1 2026, indicating substantially reduced leverage.

⚠ Q1 2025 and Q2 2025 showed margin weakness (OpMargin 16.2%, NPM ~11–12%) — monitor whether that seasonal dip recurs.

⚠ D/E data is missing for Q1–Q3 2025; full leverage trajectory through that period remains unclear.

⚠ ROA remains thin at 0.7%, typical for community banks but leaving little buffer against credit or rate shocks.

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Available Research

13F Pro tracks comprehensive data for PEAPACK GLADSTONE FINANCIAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PGC

BlackRock, Inc.
$51.8M1,471,349 sh
DIMENSIONAL FUND ADVISORS LP
$36.4M1,035,091 sh
VANGUARD CAPITAL MANAGEMENT LLC
$24.2M686,064 sh
WELLINGTON MANAGEMENT GROUP LLP
$22.4M636,083 sh
STATE STREET CORP
$18.2M516,912 sh
Boston Partners
$17.5M496,272 sh
BROWN ADVISORY INC
$16.1M456,266 sh
GEODE CAPITAL MANAGEMENT, LLC
$13.8M391,393 sh
STRATEGIC VALUE BANK PARTNERS LLC
$13.3M378,416 sh
AMERICAN CENTURY COMPANIES INC
$13.0M368,815 sh

Fund	Value	Shares
BlackRock, Inc.	$51.8M	1,471,349
DIMENSIONAL FUND ADVISORS LP	$36.4M	1,035,091
VANGUARD CAPITAL MANAGEMENT LLC	$24.2M	686,064
WELLINGTON MANAGEMENT GROUP LLP	$22.4M	636,083
STATE STREET CORP	$18.2M	516,912
Boston Partners	$17.5M	496,272
BROWN ADVISORY INC	$16.1M	456,266
GEODE CAPITAL MANAGEMENT, LLC	$13.8M	391,393
STRATEGIC VALUE BANK PARTNERS LLC	$13.3M	378,416
AMERICAN CENTURY COMPANIES INC	$13.0M	368,815

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Is PGC a good stock to buy?

13F Pro's AI-powered analysis of PEAPACK GLADSTONE FINANCIAL CORP (PGC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PGC are available on the PGC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own PGC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PGC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of PEAPACK GLADSTONE FINANCIAL CORP's investment landscape.