Peapack-Gladstone (PGC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Peapack-Gladstone (PGC) reported Q3 2025 results, with revenue of $70.69 million and EPS of $0.54, both missing analyst consensus estimates by -2.09% and -8.47% respectively, despite year-over-year growth. Key metrics such as Total Non Interest Income and Net Interest Income also fell short of expectations, while Net Interest Margin met estimates. The stock has underperformed the broader market, declining 7.2% over the past month, and carries a Zacks Rank #4 (Sell), indicating potential near-term underperformance.

Analysis

Peapack-Gladstone (PGC) reported Q3 2025 results, with revenue of $70.69 million, a 24.9% year-over-year increase, and EPS of $0.54, up from $0.43 in the prior year. Despite this growth, both figures missed analyst consensus estimates, with revenue surprising negatively by -2.09% against a $72.21 million forecast, and EPS by -8.47% against a $0.59 estimate.

Further scrutiny of key metrics reveals additional underperformance against expectations. Total Non Interest Income came in at $20.12 million, falling short of the $21.28 million estimate, and Net Interest Income of $50.57 million also missed the $50.73 million projection. The Net Interest Margin, however, met expectations at 2.8%.

The market has reacted negatively, with PGC shares returning -7.2% over the past month, significantly underperforming the S&P 500's -0.2% change. This underperformance is compounded by a Zacks Rank #4 (Sell), which suggests potential for continued near-term underperformance relative to the broader market, aligning with the moderately negative sentiment for the stock.

Key Decisions for Investors

• Investors should carefully evaluate PGC's Q3 earnings miss on both top and bottom lines, alongside the negative surprises in key income metrics.
• Given the stock's recent underperformance against the S&P 500 and its Zacks Rank #4 (Sell), a cautious stance or re-evaluation of existing positions may be warranted.
• Monitor future guidance and subsequent earnings reports for signs of improved performance or continued divergence from analyst expectations before making significant investment decisions.