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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) and PEAPACK GLADSTONE FINANCIAL CORP (PGC). Click either name above to swap in a different company.
PEAPACK GLADSTONE FINANCIAL CORP is the larger business by last-quarter revenue ($78.2M vs $72.9M, roughly 1.1× CENTRAL PACIFIC FINANCIAL CORP). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 28.4% vs 15.5%, a 12.9% gap on every dollar of revenue. On growth, PEAPACK GLADSTONE FINANCIAL CORP posted the faster year-over-year revenue change (26.5% vs 6.0%). Over the past eight quarters, PEAPACK GLADSTONE FINANCIAL CORP's revenue compounded faster (21.4% CAGR vs 6.7%).
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
Peapack Gladstone Financial Corp is a U.S.-based regional financial holding company that provides commercial and consumer banking, wealth management, private banking, lending solutions, and trust services, primarily serving individual and small-to-medium business clients across New Jersey and the surrounding U.S. Northeast region.
CPF vs PGC — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $72.9M | $78.2M |
| Net Profit | $20.7M | $12.2M |
| Gross Margin | — | — |
| Operating Margin | — | 21.7% |
| Net Margin | 28.4% | 15.5% |
| Revenue YoY | 6.0% | 26.5% |
| Net Profit YoY | -9.4% | 31.6% |
| EPS (diluted) | $0.78 | $0.68 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $72.9M | — | ||
| Q4 25 | $76.3M | $78.2M | ||
| Q3 25 | $74.8M | $70.7M | ||
| Q2 25 | $72.8M | $69.7M | ||
| Q1 25 | $68.8M | $64.4M | ||
| Q4 24 | $58.4M | $61.8M | ||
| Q3 24 | $66.6M | $56.6M | ||
| Q2 24 | $64.0M | $56.6M |
| Q1 26 | $20.7M | — | ||
| Q4 25 | $22.9M | $12.2M | ||
| Q3 25 | $18.6M | $9.6M | ||
| Q2 25 | $18.3M | $7.9M | ||
| Q1 25 | $17.8M | $7.6M | ||
| Q4 24 | $11.3M | $9.2M | ||
| Q3 24 | $13.3M | $7.6M | ||
| Q2 24 | $15.8M | $7.5M |
| Q1 26 | — | — | ||
| Q4 25 | 37.0% | 21.7% | ||
| Q3 25 | 31.6% | 19.2% | ||
| Q2 25 | 32.8% | 16.1% | ||
| Q1 25 | 32.8% | 16.2% | ||
| Q4 24 | 23.0% | 19.8% | ||
| Q3 24 | 25.6% | 19.0% | ||
| Q2 24 | 32.2% | 16.9% |
| Q1 26 | 28.4% | — | ||
| Q4 25 | 30.0% | 15.5% | ||
| Q3 25 | 24.8% | 13.6% | ||
| Q2 25 | 25.1% | 11.4% | ||
| Q1 25 | 25.8% | 11.8% | ||
| Q4 24 | 19.4% | 14.9% | ||
| Q3 24 | 20.0% | 13.4% | ||
| Q2 24 | 24.7% | 13.3% |
| Q1 26 | $0.78 | — | ||
| Q4 25 | $0.85 | $0.68 | ||
| Q3 25 | $0.69 | $0.54 | ||
| Q2 25 | $0.67 | $0.45 | ||
| Q1 25 | $0.65 | $0.43 | ||
| Q4 24 | $0.42 | $0.52 | ||
| Q3 24 | $0.49 | $0.43 | ||
| Q2 24 | $0.58 | $0.42 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | $76.5M | — |
| Stockholders' EquityBook value | $593.9M | $658.2M |
| Total Assets | $7.5B | $7.5B |
| Debt / EquityLower = less leverage | 0.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $76.5M | — | ||
| Q4 25 | $76.5M | — | ||
| Q3 25 | $131.5M | — | ||
| Q2 25 | $131.5M | — | ||
| Q1 25 | $131.4M | — | ||
| Q4 24 | $156.3M | — | ||
| Q3 24 | $156.3M | — | ||
| Q2 24 | $156.2M | — |
| Q1 26 | $593.9M | — | ||
| Q4 25 | $592.6M | $658.2M | ||
| Q3 25 | $588.1M | $642.5M | ||
| Q2 25 | $568.9M | $629.8M | ||
| Q1 25 | $557.4M | $621.9M | ||
| Q4 24 | $538.4M | $605.8M | ||
| Q3 24 | $543.7M | $607.6M | ||
| Q2 24 | $518.6M | $588.3M |
| Q1 26 | $7.5B | — | ||
| Q4 25 | $7.4B | $7.5B | ||
| Q3 25 | $7.4B | $7.4B | ||
| Q2 25 | $7.4B | $7.2B | ||
| Q1 25 | $7.4B | $7.1B | ||
| Q4 24 | $7.5B | $7.0B | ||
| Q3 24 | $7.4B | $6.8B | ||
| Q2 24 | $7.4B | $6.5B |
| Q1 26 | 0.13× | — | ||
| Q4 25 | 0.13× | — | ||
| Q3 25 | 0.22× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 0.29× | — | ||
| Q3 24 | 0.29× | — | ||
| Q2 24 | 0.30× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $43.1M |
| Free Cash FlowOCF − Capex | — | $28.8M |
| FCF MarginFCF / Revenue | — | 36.8% |
| Capex IntensityCapex / Revenue | — | 18.3% |
| Cash ConversionOCF / Net Profit | — | 3.55× |
| TTM Free Cash FlowTrailing 4 quarters | — | $61.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $97.5M | $43.1M | ||
| Q3 25 | $22.2M | $36.2M | ||
| Q2 25 | $34.3M | $15.9M | ||
| Q1 25 | $20.4M | $-7.9M | ||
| Q4 24 | $90.5M | $71.1M | ||
| Q3 24 | $21.3M | $24.7M | ||
| Q2 24 | $25.9M | $852.0K |
| Q1 26 | — | — | ||
| Q4 25 | $92.3M | $28.8M | ||
| Q3 25 | $21.4M | $34.0M | ||
| Q2 25 | $32.3M | $9.9M | ||
| Q1 25 | $19.6M | $-11.5M | ||
| Q4 24 | $75.4M | $63.0M | ||
| Q3 24 | $15.6M | $23.0M | ||
| Q2 24 | $21.3M | $-431.0K |
| Q1 26 | — | — | ||
| Q4 25 | 121.0% | 36.8% | ||
| Q3 25 | 28.6% | 48.1% | ||
| Q2 25 | 44.3% | 14.2% | ||
| Q1 25 | 28.4% | -17.8% | ||
| Q4 24 | 129.2% | 101.9% | ||
| Q3 24 | 23.5% | 40.6% | ||
| Q2 24 | 33.2% | -0.8% |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 18.3% | ||
| Q3 25 | 1.2% | 3.1% | ||
| Q2 25 | 2.7% | 8.6% | ||
| Q1 25 | 1.3% | 5.6% | ||
| Q4 24 | 25.8% | 13.1% | ||
| Q3 24 | 8.5% | 3.0% | ||
| Q2 24 | 7.3% | 2.3% |
| Q1 26 | — | — | ||
| Q4 25 | 4.26× | 3.55× | ||
| Q3 25 | 1.20× | 3.76× | ||
| Q2 25 | 1.88× | 2.01× | ||
| Q1 25 | 1.15× | -1.04× | ||
| Q4 24 | 7.98× | 7.70× | ||
| Q3 24 | 1.60× | 3.25× | ||
| Q2 24 | 1.64× | 0.11× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CPF
Segment breakdown not available.
PGC
| Banking Segment | $61.4M | 79% |
| Wealth Management Division | $13.9M | 18% |
| Other | $2.9M | 4% |
