Peapack Gladstone Financial's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Peapack Gladstone Financial (PGC) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Peapack Gladstone Financial vs Its Competitors
- TTM: Trailing 12-month revenue of 298M vs 756,204M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+15.6% annualized vs trailing 12 months), vs accelerating (+9.7%) for its tracked peer group.
- Growth: Peapack Gladstone Financial generated 36.3% revenue growth year over year in Q2 2026, vs 25.0% for its tracked competitors combined.
- Profitability: Its 18.6% net margin compares with 29.0% for the peer group.
- Scale: Peapack Gladstone Financial ranks #26 of 33 companies by market capitalization in the Money Center Banks industry, holding 0.0% of industry market cap.
- Peer revenue share: Peapack Gladstone Financial accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.44M compares with $0.51M for the peer group (0.9x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
PGC Sales vs. its Competitors, Q2 2026
Peapack Gladstone Financial reported revenue growth of 36.26 % year on year in Q2 2026, above its competitors' combined revenue growth of 25.03 %.
With a net margin of 18.56 %, Peapack Gladstone Financial reported lower profitability than its competitors (28.95 %).
Peapack Gladstone Financial generated 0.04 % of the combined sales of its peer group, up from 0.04 % a year earlier.
Peapack Gladstone Financial vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Peapack Gladstone Financial and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Peapack gladstone Financial Corporation | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (1) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (1) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Peapack Gladstone Financial's competitor groups requires a Commercial License.
For context: the Money Center Banks industry grew revenue -2.5% year over year, combined, vs 36.3% for Peapack Gladstone Financial. Peapack Gladstone Financial's share of combined industry revenue moved from 0.01% to 0.01%, a gain of 0.00 percentage points.
Peapack Gladstone Financial's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Peapack gladstone Financial Corporation | Yes | Yes | Yes | No |
| Competitors combined (186) | ||||
| Similar-Size Competitors (10) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 0.00 % (0 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
PGC Stock Performance relative to its Competitors
PGC Stock Performance relative to Similar-Size Competitors
PGC Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Old Point Financial Corp | 282.9% | Outperformed |
| 2 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 3 | Community Ban corp | 282.9% | Outperformed |
| 4 | Bank Of The James Financial Group Inc | 282.9% | Outperformed |
| 5 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Peapack Gladstone Financial's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Peapack Gladstone Financial's Comment on Competition and Industry Peers
In attracting deposits, we face substantial competition from other insured depository institutions such as banks, savings institutions and credit unions, as well as institutions offering uninsured investment alternatives, including money market funds. Many of our competitors enjoy advantages, including greater financial resources, more aggressive marketing campaigns, better brand recognition and more branch locations. These competitors may offer higher interest rates than we do, which could decrease the deposits that we attract or require us to increase our rates to retain existing deposits or attract new deposits. Increased deposit competition could adversely affect our ability to generate the funds necessary for lending operations and increase our cost of funds.
We also compete with non-bank providers of financial services, such as brokerage firms, consumer finance companies, insurance companies and governmental organizations, which may offer more favorable terms. Some of our non-bank competitors are not subject to the same extensive regulations that govern our operations. As a result, such non-bank competitors may have advantages over us in providing certain products and services. This competition may reduce or limit our margins on banking services, reduce our market share and adversely affect our earnings and financial condition.
Publicly Traded Peers of Peapack gladstone Financial Corporation
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Peapack gladstone Financial Corporation | 821.75 | 297.65 |
| Jpmorgan Chase and Co | 906,840.78 | 186,328.00 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Wells Fargo and Company | 248,473.80 | 83,940.00 |
| Citigroup inc | 233,259.84 | 88,262.00 |
| Capital one financial corp | 122,021.31 | 51,099.00 |
| SUBTOTAL | 2,848,090.23 | 859,224.27 |
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Sources: Peapack gladstone Financial Corporation's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Peapack gladstone Financial Corporation versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Peapack Gladstone Financial's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Peapack gladstone Financial Corporation | Banking Segment 79.28 % |
| Citigroup inc | Markets 29.42 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
| Pultegroup Inc | Florida 26.99 % |
| Lennar Corp | Homebuilding West 34.85 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Peapack Gladstone Financial's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Peapack gladstone Financial Corporation | 822 | 436,440 | 76,122 |
| Jpmorgan Chase and Co | 906,841 | 584,995 | 200,752 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Wells Fargo and Company | 248,474 | 351,213 | 95,100 |
| Citigroup inc | 233,260 | 390,540 | 72,049 |
| Capital one financial corp | 122,021 | 669,712 | 137,615 |
| PEERS TOTAL | 2,847,268 | 508,274 | 133,850 |
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Peapack Gladstone Financial's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Peapack Gladstone Financial's Position in Industry Market Structure
Market-capitalization share and concentration across all 31 companies in Peapack Gladstone Financial's industry classification, broader than the peer set above. Market cap in millions of $.Peapack Gladstone Financial ranks #26 of 31 companies by market capitalization in its industry, holding 0.04 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 838, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Royal Bank Of Canada | 283,874 | 12.95 % |
| 2 | Mitsubishi Ufj Financial Group Inc | 274,417 | 12.52 % |
| 3 | Santander Uk Group Holdings Plc | 256,720 | 11.71 % |
| 4 | Toronto dominion Bank | 203,158 | 9.27 % |
| 5 | Ubs Ag | 1,234 | 5.2% |
| 6 | Natwest Group Plc | 1,234 | 5.2% |
| 7 | Ing Groep Nv | 1,234 | 5.2% |
| 8 | Bank Of Montreal | 1,234 | 5.2% |
| 9 | Barclays Plc | 1,234 | 5.2% |
| 10 | Grupo Aval Acciones Y Valores S a | 1,234 | 5.2% |
| 26 | Peapack gladstone Financial Corporation | 833 | 0.04 % |
Market cap and industry share for the rest of Peapack Gladstone Financial's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-28.
Peapack Gladstone Financial's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 21 | Grupo Supervielle S a | 3,076 | 20.75 % |
| 22 | The Bank Of N t Butterfield and Son Limited | 2,478 | 32.19 % |
| 23 | Foreign Trade Bank Of Latin America Inc | 2,026 | 16.41 % |
| 24 | Inter and Co Inc | 1,999 | -44.66 % |
| 25 | Esquire Financial Holdings inc | 1,234 | 12.3% |
| 26 | Peapack gladstone Financial Corporation | 833 | 58.08 % |
| 27 | Versabank | 1,234 | 12.3% |
| 28 | Woori Financial Group Inc | 1,234 | 12.3% |
| 29 | Banco Santander brasil S a | 1,234 | 12.3% |
| 30 | Barclays Bank Plc | 1,234 | 12.3% |
| 31 | Lloyds Banking Group Plc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Peapack Gladstone Financial's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-28. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Peapack Gladstone Financial's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Money Center Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (8 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 59.64 % (avg) | - |
| Operating Margin | 24.40 % | industry median | - |
| EBITDA Margin | 64.80 % | 16.33 % (avg) | +48.5 pp |
| Capital Intensity (Capex / Revenue) | 2.90 % | 2.92 % (avg) | 0.0 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Peapack Gladstone Financial's Valuation vs Competitive Position
Valuation multiples vs the Money Center Banks industry average (8 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 15.5x | 19.5x | -4.0x |
| EV / EBITDA | 4.5x | 12.7x | -8.2x |
| P/B | 1.2x | 1.5x | -0.3x |
| Return on Equity | 7.65 % | industry aggregate | -3.08 % |
| Return on Invested Capital | 2.23 % | 2.15 % (avg) | 0.08 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Peapack Gladstone Financial's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 23.07 % | 11.36 % | 9.73 % | -8.19 % | 29.86 % | -8.71 % | 2.34 % | 17.61 % |
| Operating Margin | 38.81 % | 37.05 % | 38.67 % | 20.39 % | 38.10 % | 31.21 % | 20.37 % | 20.16 % |
| Return on Invested Capital | 6.32 % | 5.48 % | 5.45 % | 2.16 % | 5.79 % | 0.95 % | 0.62 % | 3.67 % |
| P/E | 17.1x | 11.6x | 12.4x | 16.6x | 12.0x | 10.1x | 18.4x | 13.2x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Peapack Gladstone Financial's Strategic Group Map
Every company in Peapack Gladstone Financial's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Peapack Gladstone Financial is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Peapack Gladstone Financial's BCG Growth-Share Matrix
Relative market share (vs Peapack Gladstone Financial's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Peapack Gladstone Financial falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 13.8% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Peapack Gladstone Financial's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 838 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Moderate, in line with the industry | Capital intensity (capex / revenue) of 2.90 % vs industry average 2.92 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Peapack Gladstone Financial's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Peapack Gladstone Financial's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Peapack Gladstone Financial's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Peapack Gladstone Financial falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Peapack Gladstone Financial's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+15.6% annualized vs trailing 12 months).
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Low relative market share vs the industry leader (0.00x).
Opportunities
- Industry revenue growing at a healthy 13.8% median pace.
- Trades at a lower P/E than the industry average (15.5x vs 19.5x) despite a higher return on invested capital -- a possible re-rating opportunity.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Peapack Gladstone Financial's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Peapack gladstone Financial Corporation | 0.01 | 1.39 | 0.15 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Peapack Gladstone Financial's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Peapack gladstone Financial Corporation | Q2 2026 | +36.3 % | +101.1 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +23.8 % | +46.8 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Peapack Gladstone Financial's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Peapack gladstone Financial Corporation | Q2 2026 | - | -56.2 % |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
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Peapack Gladstone Financial's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Peapack gladstone Financial Corporation | 0.68% | 2.01% | 7.65% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.63% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Peapack Gladstone Financial's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Peapack gladstone Financial Corporation | 15.27 | 2.76 |
| Jpmorgan Chase and Co | 14.17 | 4.87 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Wells Fargo and Company | 11.82 | 2.96 |
| Citigroup inc | 16.34 | 2.64 |
| Capital one financial corp | 11.69 | 2.39 |
| PEERS AVERAGE | 12.59 | 3.31 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.