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Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and PEAPACK GLADSTONE FINANCIAL CORP (PGC). Click either name above to swap in a different company.
CARRIAGE SERVICES INC is the larger business by last-quarter revenue ($105.5M vs $78.2M, roughly 1.3× PEAPACK GLADSTONE FINANCIAL CORP). PEAPACK GLADSTONE FINANCIAL CORP runs the higher net margin — 15.5% vs 11.6%, a 3.9% gap on every dollar of revenue. On growth, PEAPACK GLADSTONE FINANCIAL CORP posted the faster year-over-year revenue change (26.5% vs 8.0%). PEAPACK GLADSTONE FINANCIAL CORP produced more free cash flow last quarter ($28.8M vs $6.2M). Over the past eight quarters, PEAPACK GLADSTONE FINANCIAL CORP's revenue compounded faster (21.4% CAGR vs 1.0%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
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.
CSV vs PGC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $78.2M |
| Net Profit | $12.3M | $12.2M |
| Gross Margin | 34.8% | — |
| Operating Margin | 23.3% | 21.7% |
| Net Margin | 11.6% | 15.5% |
| Revenue YoY | 8.0% | 26.5% |
| Net Profit YoY | 24.5% | 31.6% |
| EPS (diluted) | $0.76 | $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.
| Q4 25 | $105.5M | $78.2M | ||
| Q3 25 | $102.7M | $70.7M | ||
| Q2 25 | $102.1M | $69.7M | ||
| Q1 25 | $107.1M | $64.4M | ||
| Q4 24 | $97.7M | $61.8M | ||
| Q3 24 | $100.7M | $56.6M | ||
| Q2 24 | $102.3M | $56.6M | ||
| Q1 24 | $103.5M | $53.1M |
| Q4 25 | $12.3M | $12.2M | ||
| Q3 25 | $6.6M | $9.6M | ||
| Q2 25 | $11.7M | $7.9M | ||
| Q1 25 | $20.9M | $7.6M | ||
| Q4 24 | $9.9M | $9.2M | ||
| Q3 24 | $9.9M | $7.6M | ||
| Q2 24 | $6.3M | $7.5M | ||
| Q1 24 | $7.0M | $8.6M |
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — | ||
| Q1 24 | 36.0% | — |
| Q4 25 | 23.3% | 21.7% | ||
| Q3 25 | 17.0% | 19.2% | ||
| Q2 25 | 23.5% | 16.1% | ||
| Q1 25 | 29.5% | 16.2% | ||
| Q4 24 | 21.6% | 19.8% | ||
| Q3 24 | 22.7% | 19.0% | ||
| Q2 24 | 18.0% | 16.9% | ||
| Q1 24 | 18.8% | 23.4% |
| Q4 25 | 11.6% | 15.5% | ||
| Q3 25 | 6.4% | 13.6% | ||
| Q2 25 | 11.5% | 11.4% | ||
| Q1 25 | 19.5% | 11.8% | ||
| Q4 24 | 10.1% | 14.9% | ||
| Q3 24 | 9.8% | 13.4% | ||
| Q2 24 | 6.1% | 13.3% | ||
| Q1 24 | 6.7% | 16.3% |
| Q4 25 | $0.76 | $0.68 | ||
| Q3 25 | $0.41 | $0.54 | ||
| Q2 25 | $0.74 | $0.45 | ||
| Q1 25 | $1.34 | $0.43 | ||
| Q4 24 | $0.62 | $0.52 | ||
| Q3 24 | $0.63 | $0.43 | ||
| Q2 24 | $0.40 | $0.42 | ||
| Q1 24 | $0.45 | $0.48 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.7M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $254.8M | $658.2M |
| Total Assets | $1.3B | $7.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | — | ||
| Q3 25 | $1.2M | — | ||
| Q2 25 | $1.4M | — | ||
| Q1 25 | $4.6M | — | ||
| Q4 24 | $1.2M | — | ||
| Q3 24 | $1.3M | — | ||
| Q2 24 | $1.5M | — | ||
| Q1 24 | $1.7M | — |
| Q4 25 | $254.8M | $658.2M | ||
| Q3 25 | $242.1M | $642.5M | ||
| Q2 25 | $235.4M | $629.8M | ||
| Q1 25 | $223.1M | $621.9M | ||
| Q4 24 | $208.6M | $605.8M | ||
| Q3 24 | $198.1M | $607.6M | ||
| Q2 24 | $187.9M | $588.3M | ||
| Q1 24 | $179.6M | $582.4M |
| Q4 25 | $1.3B | $7.5B | ||
| Q3 25 | $1.3B | $7.4B | ||
| Q2 25 | $1.3B | $7.2B | ||
| Q1 25 | $1.3B | $7.1B | ||
| Q4 24 | $1.3B | $7.0B | ||
| Q3 24 | $1.3B | $6.8B | ||
| Q2 24 | $1.3B | $6.5B | ||
| Q1 24 | $1.3B | $6.4B |
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 | $14.1M | $43.1M |
| Free Cash FlowOCF − Capex | $6.2M | $28.8M |
| FCF MarginFCF / Revenue | 5.9% | 36.8% |
| Capex IntensityCapex / Revenue | 7.5% | 18.3% |
| Cash ConversionOCF / Net Profit | 1.15× | 3.55× |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | $61.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.1M | $43.1M | ||
| Q3 25 | $24.7M | $36.2M | ||
| Q2 25 | $8.1M | $15.9M | ||
| Q1 25 | $13.8M | $-7.9M | ||
| Q4 24 | $9.3M | $71.1M | ||
| Q3 24 | $20.9M | $24.7M | ||
| Q2 24 | $2.2M | $852.0K | ||
| Q1 24 | $19.7M | $19.1M |
| Q4 25 | $6.2M | $28.8M | ||
| Q3 25 | $18.0M | $34.0M | ||
| Q2 25 | $5.2M | $9.9M | ||
| Q1 25 | $10.6M | $-11.5M | ||
| Q4 24 | $4.9M | $63.0M | ||
| Q3 24 | $16.2M | $23.0M | ||
| Q2 24 | $-1.4M | $-431.0K | ||
| Q1 24 | $16.2M | $18.0M |
| Q4 25 | 5.9% | 36.8% | ||
| Q3 25 | 17.5% | 48.1% | ||
| Q2 25 | 5.1% | 14.2% | ||
| Q1 25 | 9.9% | -17.8% | ||
| Q4 24 | 5.0% | 101.9% | ||
| Q3 24 | 16.1% | 40.6% | ||
| Q2 24 | -1.4% | -0.8% | ||
| Q1 24 | 15.6% | 33.9% |
| Q4 25 | 7.5% | 18.3% | ||
| Q3 25 | 6.5% | 3.1% | ||
| Q2 25 | 2.8% | 8.6% | ||
| Q1 25 | 3.0% | 5.6% | ||
| Q4 24 | 4.5% | 13.1% | ||
| Q3 24 | 4.6% | 3.0% | ||
| Q2 24 | 3.5% | 2.3% | ||
| Q1 24 | 3.4% | 2.1% |
| Q4 25 | 1.15× | 3.55× | ||
| Q3 25 | 3.76× | 3.76× | ||
| Q2 25 | 0.69× | 2.01× | ||
| Q1 25 | 0.66× | -1.04× | ||
| Q4 24 | 0.94× | 7.70× | ||
| Q3 24 | 2.11× | 3.25× | ||
| Q2 24 | 0.34× | 0.11× | ||
| Q1 24 | 2.83× | 2.21× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
PGC
| Banking Segment | $61.4M | 79% |
| Wealth Management Division | $13.9M | 18% |
| Other | $2.9M | 4% |
