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Side-by-side financial comparison of PEAPACK GLADSTONE FINANCIAL CORP (PGC) and READING INTERNATIONAL INC (RDI). 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 $50.3M, roughly 1.6× READING INTERNATIONAL INC). PEAPACK GLADSTONE FINANCIAL CORP runs the higher net margin — 15.5% vs -5.1%, a 20.6% gap on every dollar of revenue. On growth, PEAPACK GLADSTONE FINANCIAL CORP posted the faster year-over-year revenue change (26.5% vs -14.2%). PEAPACK GLADSTONE FINANCIAL CORP produced more free cash flow last quarter ($28.8M vs $4.1M). Over the past eight quarters, PEAPACK GLADSTONE FINANCIAL CORP's revenue compounded faster (21.4% CAGR vs 5.6%).
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.
The Reading Company was a Philadelphia-headquartered railroad that provided passenger and freight transport in eastern Pennsylvania and neighboring states from 1924 until its acquisition by Conrail in 1976.
PGC vs RDI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $78.2M | $50.3M |
| Net Profit | $12.2M | $-2.6M |
| Gross Margin | — | — |
| Operating Margin | 21.7% | -1.9% |
| Net Margin | 15.5% | -5.1% |
| Revenue YoY | 26.5% | -14.2% |
| Net Profit YoY | 31.6% | -14.5% |
| EPS (diluted) | $0.68 | $-0.11 |
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 | $78.2M | $50.3M | ||
| Q3 25 | $70.7M | $52.2M | ||
| Q2 25 | $69.7M | $60.4M | ||
| Q1 25 | $64.4M | $40.2M | ||
| Q4 24 | $61.8M | $58.6M | ||
| Q3 24 | $56.6M | $60.1M | ||
| Q2 24 | $56.6M | $46.8M | ||
| Q1 24 | $53.1M | $45.1M |
| Q4 25 | $12.2M | $-2.6M | ||
| Q3 25 | $9.6M | $-4.2M | ||
| Q2 25 | $7.9M | $-2.7M | ||
| Q1 25 | $7.6M | $-4.8M | ||
| Q4 24 | $9.2M | $-2.2M | ||
| Q3 24 | $7.6M | $-7.0M | ||
| Q2 24 | $7.5M | $-12.8M | ||
| Q1 24 | $8.6M | $-13.2M |
| Q4 25 | 21.7% | -1.9% | ||
| Q3 25 | 19.2% | -0.6% | ||
| Q2 25 | 16.1% | 4.8% | ||
| Q1 25 | 16.2% | -17.2% | ||
| Q4 24 | 19.8% | 2.6% | ||
| Q3 24 | 19.0% | -0.6% | ||
| Q2 24 | 16.9% | -16.4% | ||
| Q1 24 | 23.4% | -16.7% |
| Q4 25 | 15.5% | -5.1% | ||
| Q3 25 | 13.6% | -8.0% | ||
| Q2 25 | 11.4% | -4.4% | ||
| Q1 25 | 11.8% | -11.8% | ||
| Q4 24 | 14.9% | -3.8% | ||
| Q3 24 | 13.4% | -11.7% | ||
| Q2 24 | 13.3% | -27.4% | ||
| Q1 24 | 16.3% | -29.4% |
| Q4 25 | $0.68 | $-0.11 | ||
| Q3 25 | $0.54 | $-0.18 | ||
| Q2 25 | $0.45 | $-0.12 | ||
| Q1 25 | $0.43 | $-0.21 | ||
| Q4 24 | $0.52 | $-0.11 | ||
| Q3 24 | $0.43 | $-0.31 | ||
| Q2 24 | $0.42 | $-0.57 | ||
| Q1 24 | $0.48 | $-0.59 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $10.5M |
| Total DebtLower is stronger | — | $185.1M |
| Stockholders' EquityBook value | $658.2M | $-18.2M |
| Total Assets | $7.5B | $434.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $10.5M | ||
| Q3 25 | — | $8.1M | ||
| Q2 25 | — | $9.1M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $12.4M | ||
| Q3 24 | — | $10.1M | ||
| Q2 24 | — | $9.3M | ||
| Q1 24 | — | $7.5M |
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $658.2M | $-18.2M | ||
| Q3 25 | $642.5M | $-12.1M | ||
| Q2 25 | $629.8M | $-7.7M | ||
| Q1 25 | $621.9M | $-8.1M | ||
| Q4 24 | $605.8M | $-4.4M | ||
| Q3 24 | $607.6M | $1.6M | ||
| Q2 24 | $588.3M | $6.5M | ||
| Q1 24 | $582.4M | $18.0M |
| Q4 25 | $7.5B | $434.9M | ||
| Q3 25 | $7.4B | $435.2M | ||
| Q2 25 | $7.2B | $438.1M | ||
| Q1 25 | $7.1B | $441.0M | ||
| Q4 24 | $7.0B | $471.0M | ||
| Q3 24 | $6.8B | $495.7M | ||
| Q2 24 | $6.5B | $494.9M | ||
| Q1 24 | $6.4B | $494.9M |
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 | $4.3M |
| Free Cash FlowOCF − Capex | $28.8M | $4.1M |
| FCF MarginFCF / Revenue | 36.8% | 8.2% |
| Capex IntensityCapex / Revenue | 18.3% | 0.3% |
| Cash ConversionOCF / Net Profit | 3.55× | — |
| TTM Free Cash FlowTrailing 4 quarters | $61.3M | $-2.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $43.1M | $4.3M | ||
| Q3 25 | $36.2M | $295.0K | ||
| Q2 25 | $15.9M | $1.6M | ||
| Q1 25 | $-7.9M | $-7.7M | ||
| Q4 24 | $71.1M | $8.0M | ||
| Q3 24 | $24.7M | $1.3M | ||
| Q2 24 | $852.0K | $-10.4M | ||
| Q1 24 | $19.1M | $-2.8M |
| Q4 25 | $28.8M | $4.1M | ||
| Q3 25 | $34.0M | $-246.0K | ||
| Q2 25 | $9.9M | $1.2M | ||
| Q1 25 | $-11.5M | $-8.0M | ||
| Q4 24 | $63.0M | $7.0M | ||
| Q3 24 | $23.0M | $-1.1M | ||
| Q2 24 | $-431.0K | $-10.6M | ||
| Q1 24 | $18.0M | $-4.7M |
| Q4 25 | 36.8% | 8.2% | ||
| Q3 25 | 48.1% | -0.5% | ||
| Q2 25 | 14.2% | 1.9% | ||
| Q1 25 | -17.8% | -19.8% | ||
| Q4 24 | 101.9% | 12.0% | ||
| Q3 24 | 40.6% | -1.8% | ||
| Q2 24 | -0.8% | -22.7% | ||
| Q1 24 | 33.9% | -10.4% |
| Q4 25 | 18.3% | 0.3% | ||
| Q3 25 | 3.1% | 1.0% | ||
| Q2 25 | 8.6% | 0.6% | ||
| Q1 25 | 5.6% | 0.6% | ||
| Q4 24 | 13.1% | 1.7% | ||
| Q3 24 | 3.0% | 4.0% | ||
| Q2 24 | 2.3% | 0.5% | ||
| Q1 24 | 2.1% | 4.3% |
| Q4 25 | 3.55× | — | ||
| Q3 25 | 3.76× | — | ||
| Q2 25 | 2.01× | — | ||
| Q1 25 | -1.04× | — | ||
| Q4 24 | 7.70× | — | ||
| Q3 24 | 3.25× | — | ||
| Q2 24 | 0.11× | — | ||
| Q1 24 | 2.21× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PGC
| Banking Segment | $61.4M | 79% |
| Wealth Management Division | $13.9M | 18% |
| Other | $2.9M | 4% |
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
