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FAQ: Peapack-Gladstone Financial Corporation Q4 2025 Financial Results
TL;DR
Peapack-Gladstone Financial's Q4 2025 results show a 26% quarterly EPS increase to $0.69, offering investors strong growth and profitability.
The company's net interest margin expanded to 3.08% in Q4 2025 through disciplined deposit pricing and loan growth at a 6.60% average coupon.
Peapack Private's expansion and stable wealth management services support client legacies and community financial health in metro New York.
Peapack-Gladstone grew its wealth management assets to a record $13.1 billion while reducing nonperforming assets by 19% in Q4 2025.
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The company reported net income of $12.2 million and diluted earnings per share of $0.69 for Q4 2025, representing a 26% increase compared to the previous quarter. Net interest income grew 12% to $56.5 million, and the net interest margin improved to 3.08%.
For the twelve-month period ended December 31, 2025, net income grew 13% to $37.3 million ($2.10 per share) compared to $33.0 million ($1.85 per share) for the same period in 2024. Total deposits increased by $460 million (8%) to $6.6 billion, and total loans grew by $738 million (13%) to $6.3 billion.
The growth in net interest income was driven by improvement in the cost on average interest-bearing liabilities and continued improvement in the net interest margin. The company has achieved eight consecutive quarters of net interest income growth through strong core deposit growth and disciplined pricing.
Core relationship deposits increased $828 million for the year as the company replaced higher-cost deposit balances with new relationships at lower funding costs. Noninterest-bearing deposits grew strongly by $316 million (28%) during 2025, which management cites as a key differentiator for Peapack Private.
Total loans grew to $6.3 billion, with commercial and industrial lending accounting for 55% of new business originations during Q4 and representing 44% of the total loan portfolio at year-end. Loans were originated at a weighted average coupon of 6.60%, resulting in an incremental spread of more than 400 basis points compared to funding sources.
President and CEO Douglas L. Kennedy stated that Peapack Private Bank & Trust is positioned as the premier boutique alternative to mega banks in metro New York, anchored by a $13 billion wealth management franchise. The private banking model delivers stable fee income, deeper client relationships, and long-term growth opportunities.
The earnings release should be read in conjunction with the Company's Q4 2025 Investor Update, available on their website at www.peapackprivate.com and via a Current Report on Form 8-K on the SEC website at www.sec.gov.
The financial results were announced on January 29, 2026, and cover the quarter and year ended December 31, 2025.
The company is based in Bedminster, New Jersey, and its stock trades on the NASDAQ Global Select Market under the symbol PGC.
Curated from NewMediaWire
