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Side-by-side financial comparison of PAMT CORP (PAMT) and PEAPACK GLADSTONE FINANCIAL CORP (PGC). Click either name above to swap in a different company.
PAMT CORP is the larger business by last-quarter revenue ($141.3M vs $78.2M, roughly 1.8× PEAPACK GLADSTONE FINANCIAL CORP). PEAPACK GLADSTONE FINANCIAL CORP runs the higher net margin — 15.5% vs -20.7%, a 36.2% gap on every dollar of revenue. On growth, PEAPACK GLADSTONE FINANCIAL CORP posted the faster year-over-year revenue change (26.5% vs -15.1%). PEAPACK GLADSTONE FINANCIAL CORP produced more free cash flow last quarter ($28.8M vs $-25.0M). Over the past eight quarters, PEAPACK GLADSTONE FINANCIAL CORP's revenue compounded faster (21.4% CAGR vs -12.0%).
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.
PAMT vs PGC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $141.3M | $78.2M |
| Net Profit | $-29.3M | $12.2M |
| Gross Margin | — | — |
| Operating Margin | -27.0% | 21.7% |
| Net Margin | -20.7% | 15.5% |
| Revenue YoY | -15.1% | 26.5% |
| Net Profit YoY | 7.4% | 31.6% |
| EPS (diluted) | $-1.38 | $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 | $141.3M | $78.2M | ||
| Q3 25 | $150.3M | $70.7M | ||
| Q2 25 | $151.1M | $69.7M | ||
| Q1 25 | $155.3M | $64.4M | ||
| Q4 24 | $166.5M | $61.8M | ||
| Q3 24 | $182.6M | $56.6M | ||
| Q2 24 | $182.9M | $56.6M | ||
| Q1 24 | $182.6M | $53.1M |
| Q4 25 | $-29.3M | $12.2M | ||
| Q3 25 | $-5.6M | $9.6M | ||
| Q2 25 | $-9.6M | $7.9M | ||
| Q1 25 | $-8.1M | $7.6M | ||
| Q4 24 | $-31.6M | $9.2M | ||
| Q3 24 | $2.4M | $7.6M | ||
| Q2 24 | $-2.9M | $7.5M | ||
| Q1 24 | $281.0K | $8.6M |
| Q4 25 | -27.0% | 21.7% | ||
| Q3 25 | -3.8% | 19.2% | ||
| Q2 25 | -7.3% | 16.1% | ||
| Q1 25 | -5.9% | 16.2% | ||
| Q4 24 | -22.6% | 19.8% | ||
| Q3 24 | 1.3% | 19.0% | ||
| Q2 24 | -0.4% | 16.9% | ||
| Q1 24 | -0.4% | 23.4% |
| Q4 25 | -20.7% | 15.5% | ||
| Q3 25 | -3.7% | 13.6% | ||
| Q2 25 | -6.4% | 11.4% | ||
| Q1 25 | -5.2% | 11.8% | ||
| Q4 24 | -19.0% | 14.9% | ||
| Q3 24 | 1.3% | 13.4% | ||
| Q2 24 | -1.6% | 13.3% | ||
| Q1 24 | 0.2% | 16.3% |
| Q4 25 | $-1.38 | $0.68 | ||
| Q3 25 | $-0.27 | $0.54 | ||
| Q2 25 | $-0.46 | $0.45 | ||
| Q1 25 | $-0.37 | $0.43 | ||
| Q4 24 | $-1.44 | $0.52 | ||
| Q3 24 | $0.11 | $0.43 | ||
| Q2 24 | $-0.13 | $0.42 | ||
| Q1 24 | $0.01 | $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 | $83.7M | — |
| Total DebtLower is stronger | $333.9M | — |
| Stockholders' EquityBook value | $210.5M | $658.2M |
| Total Assets | $697.9M | $7.5B |
| Debt / EquityLower = less leverage | 1.59× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $83.7M | — | ||
| Q3 25 | $115.6M | — | ||
| Q2 25 | $117.3M | — | ||
| Q1 25 | $102.7M | — | ||
| Q4 24 | $110.7M | — | ||
| Q3 24 | $92.3M | — | ||
| Q2 24 | $114.0M | — | ||
| Q1 24 | $125.8M | — |
| Q4 25 | $333.9M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $325.6M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $210.5M | $658.2M | ||
| Q3 25 | $239.5M | $642.5M | ||
| Q2 25 | $244.9M | $629.8M | ||
| Q1 25 | $269.6M | $621.9M | ||
| Q4 24 | $277.5M | $605.8M | ||
| Q3 24 | $308.9M | $607.6M | ||
| Q2 24 | $306.7M | $588.3M | ||
| Q1 24 | $314.6M | $582.4M |
| Q4 25 | $697.9M | $7.5B | ||
| Q3 25 | $715.2M | $7.4B | ||
| Q2 25 | $707.9M | $7.2B | ||
| Q1 25 | $712.6M | $7.1B | ||
| Q4 24 | $741.7M | $7.0B | ||
| Q3 24 | $756.7M | $6.8B | ||
| Q2 24 | $733.5M | $6.5B | ||
| Q1 24 | $746.4M | $6.4B |
| Q4 25 | 1.59× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.17× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-5.8M | $43.1M |
| Free Cash FlowOCF − Capex | $-25.0M | $28.8M |
| FCF MarginFCF / Revenue | -17.7% | 36.8% |
| Capex IntensityCapex / Revenue | 13.6% | 18.3% |
| Cash ConversionOCF / Net Profit | — | 3.55× |
| TTM Free Cash FlowTrailing 4 quarters | $-23.4M | $61.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-5.8M | $43.1M | ||
| Q3 25 | $5.9M | $36.2M | ||
| Q2 25 | $12.2M | $15.9M | ||
| Q1 25 | $5.0M | $-7.9M | ||
| Q4 24 | $15.2M | $71.1M | ||
| Q3 24 | $15.5M | $24.7M | ||
| Q2 24 | $18.7M | $852.0K | ||
| Q1 24 | $9.6M | $19.1M |
| Q4 25 | $-25.0M | $28.8M | ||
| Q3 25 | $2.5M | $34.0M | ||
| Q2 25 | $5.9M | $9.9M | ||
| Q1 25 | $-6.8M | $-11.5M | ||
| Q4 24 | $-39.9M | $63.0M | ||
| Q3 24 | $-33.6M | $23.0M | ||
| Q2 24 | $4.1M | $-431.0K | ||
| Q1 24 | $-12.2M | $18.0M |
| Q4 25 | -17.7% | 36.8% | ||
| Q3 25 | 1.7% | 48.1% | ||
| Q2 25 | 3.9% | 14.2% | ||
| Q1 25 | -4.4% | -17.8% | ||
| Q4 24 | -24.0% | 101.9% | ||
| Q3 24 | -18.4% | 40.6% | ||
| Q2 24 | 2.2% | -0.8% | ||
| Q1 24 | -6.7% | 33.9% |
| Q4 25 | 13.6% | 18.3% | ||
| Q3 25 | 2.3% | 3.1% | ||
| Q2 25 | 4.2% | 8.6% | ||
| Q1 25 | 7.6% | 5.6% | ||
| Q4 24 | 33.1% | 13.1% | ||
| Q3 24 | 26.9% | 3.0% | ||
| Q2 24 | 8.0% | 2.3% | ||
| Q1 24 | 12.0% | 2.1% |
| Q4 25 | — | 3.55× | ||
| Q3 25 | — | 3.76× | ||
| Q2 25 | — | 2.01× | ||
| Q1 25 | — | -1.04× | ||
| Q4 24 | — | 7.70× | ||
| Q3 24 | 6.44× | 3.25× | ||
| Q2 24 | — | 0.11× | ||
| Q1 24 | 34.11× | 2.21× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
PGC
| Banking Segment | $61.4M | 79% |
| Wealth Management Division | $13.9M | 18% |
| Other | $2.9M | 4% |
