PEAPACK GLADSTONE FINANCIAL CORP: insider trades · United States · SEC (Form 4)

About PEAPACK GLADSTONE FINANCIAL CORP

Peapack-Gladstone Financial Corp. (ticker: PGC) is a U.S.-listed financial company traded on the NASDAQ Global Select Market in the United States, operating primarily through its banking subsidiary, Peapack Private Bank & Trust. Founded in 1921, the franchise has developed from a community bank into a boutique private-banking and wealth-management platform built around relationship banking, customized service, and a highly client-centric model. The company remains anchored in New Jersey and the broader metro New York region, where it competes as a niche operator rather than a scale retail bank. Its business mix is intentionally diversified across complementary lines. Core earnings are driven by commercial banking, including lending and deposit solutions for businesses, professionals, and small businesses. In parallel, the group offers private banking, wealth management, financial planning, investment management, trust, estate and tax services, as well as personal banking products such as checking accounts, credit cards, mortgages, and home-equity lines of credit. Peapack-Gladstone also operates an investment banking and corporate advisory capability focused on middle-market companies and owners, with services spanning mergers and acquisitions, capital formation, succession planning, recapitalizations, board advisory, and structured financing solutions. Competitively, PGC differentiates itself through a “single point of contact” model aimed at affluent individuals, entrepreneurs, professionals, and middle-market businesses. This integrated approach, combining commercial banking, private wealth services, and corporate advisory, allows the company to deepen relationships and capture multiple fee and spread income streams. Its strong local brand in the metro New York area is an important asset in a crowded banking market where service quality and advisory depth matter as much as price. The strategy is especially suited to clients seeking a more bespoke alternative to larger money-center institutions. Recent developments point to a sound balance sheet and a conservative operating profile. In its 2025 annual report, the company reported approximately $7.5 billion in total assets, $6.6 billion in deposits, and $658 million in shareholders’ equity as of December 31, 2025. It also highlighted 28% growth in noninterest-bearing deposits in 2025, improving funding quality and reinforcing the deposit franchise. Management further stated that capital ratios remained above “well-capitalized” regulatory thresholds and that the bank maintained investment-grade ratings from Kroll Bond Rating Agency. For international investors, PGC therefore stands out as a regional U.S. banking franchise with a premium positioning, strong relationship-led economics, and meaningful exposure to the New Jersey / New York economic corridor.