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Side-by-side financial comparison of PEAPACK GLADSTONE FINANCIAL CORP (PGC) and REGIS CORP (RGS). 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 $57.1M, roughly 1.4× REGIS CORP). PEAPACK GLADSTONE FINANCIAL CORP runs the higher net margin — 15.5% vs 0.8%, a 14.8% gap on every dollar of revenue. On growth, PEAPACK GLADSTONE FINANCIAL CORP posted the faster year-over-year revenue change (26.5% vs 22.3%). PEAPACK GLADSTONE FINANCIAL CORP produced more free cash flow last quarter ($28.8M vs $891.0K). Over the past eight quarters, PEAPACK GLADSTONE FINANCIAL CORP's revenue compounded faster (21.4% CAGR vs 7.8%).
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.
REGIS CORPRGSEarnings & Financial Report
Regis Corporation is an American operator of hair salons. As of August 2021, it has 5,563 franchised and 276 company-owned salons. Its headquarters are in Minneapolis, Minnesota.
PGC vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $78.2M | $57.1M |
| Net Profit | $12.2M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 21.7% | 10.8% |
| Net Margin | 15.5% | 0.8% |
| Revenue YoY | 26.5% | 22.3% |
| Net Profit YoY | 31.6% | -94.0% |
| EPS (diluted) | $0.68 | $0.16 |
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 | $57.1M | ||
| Q3 25 | $70.7M | $59.0M | ||
| Q2 25 | $69.7M | $60.4M | ||
| Q1 25 | $64.4M | $57.0M | ||
| Q4 24 | $61.8M | $46.7M | ||
| Q3 24 | $56.6M | $46.1M | ||
| Q2 24 | $56.6M | $49.4M | ||
| Q1 24 | $53.1M | $49.2M |
| Q4 25 | $12.2M | $456.0K | ||
| Q3 25 | $9.6M | $1.4M | ||
| Q2 25 | $7.9M | $116.5M | ||
| Q1 25 | $7.6M | $250.0K | ||
| Q4 24 | $9.2M | $7.6M | ||
| Q3 24 | $7.6M | $-853.0K | ||
| Q2 24 | $7.5M | $91.2M | ||
| Q1 24 | $8.6M | $-2.3M |
| Q4 25 | 21.7% | 10.8% | ||
| Q3 25 | 19.2% | 10.0% | ||
| Q2 25 | 16.1% | 12.1% | ||
| Q1 25 | 16.2% | 8.8% | ||
| Q4 24 | 19.8% | 11.8% | ||
| Q3 24 | 19.0% | 4.6% | ||
| Q2 24 | 16.9% | — | ||
| Q1 24 | 23.4% | 8.3% |
| Q4 25 | 15.5% | 0.8% | ||
| Q3 25 | 13.6% | 2.3% | ||
| Q2 25 | 11.4% | 192.9% | ||
| Q1 25 | 11.8% | 0.4% | ||
| Q4 24 | 14.9% | 16.4% | ||
| Q3 24 | 13.4% | -1.9% | ||
| Q2 24 | 13.3% | 184.7% | ||
| Q1 24 | 16.3% | -4.7% |
| Q4 25 | $0.68 | $0.16 | ||
| Q3 25 | $0.54 | $0.49 | ||
| Q2 25 | $0.45 | $43.67 | ||
| Q1 25 | $0.43 | $0.08 | ||
| Q4 24 | $0.52 | $2.71 | ||
| Q3 24 | $0.43 | $-0.36 | ||
| Q2 24 | $0.42 | $38.40 | ||
| Q1 24 | $0.48 | $-1.00 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $18.4M |
| Total DebtLower is stronger | — | $113.3M |
| Stockholders' EquityBook value | $658.2M | $188.7M |
| Total Assets | $7.5B | $588.3M |
| Debt / EquityLower = less leverage | — | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $18.4M | ||
| Q3 25 | — | $16.6M | ||
| Q2 25 | — | $17.0M | ||
| Q1 25 | — | $13.3M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $10.1M | ||
| Q1 24 | — | $5.9M |
| Q4 25 | — | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | — | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $179.7M |
| Q4 25 | $658.2M | $188.7M | ||
| Q3 25 | $642.5M | $187.6M | ||
| Q2 25 | $629.8M | $185.6M | ||
| Q1 25 | $621.9M | $68.6M | ||
| Q4 24 | $605.8M | $66.7M | ||
| Q3 24 | $607.6M | $56.4M | ||
| Q2 24 | $588.3M | $56.8M | ||
| Q1 24 | $582.4M | $-35.8M |
| Q4 25 | $7.5B | $588.3M | ||
| Q3 25 | $7.4B | $592.1M | ||
| Q2 25 | $7.2B | $599.0M | ||
| Q1 25 | $7.1B | $511.2M | ||
| Q4 24 | $7.0B | $530.1M | ||
| Q3 24 | $6.8B | $508.9M | ||
| Q2 24 | $6.5B | $530.5M | ||
| Q1 24 | $6.4B | $543.7M |
| Q4 25 | — | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | — | 1.67× | ||
| Q3 24 | — | 1.69× | ||
| Q2 24 | — | 1.75× | ||
| 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 | $43.1M | $1.7M |
| Free Cash FlowOCF − Capex | $28.8M | $891.0K |
| FCF MarginFCF / Revenue | 36.8% | 1.6% |
| Capex IntensityCapex / Revenue | 18.3% | 1.4% |
| Cash ConversionOCF / Net Profit | 3.55× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $61.3M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $43.1M | $1.7M | ||
| Q3 25 | $36.2M | $2.3M | ||
| Q2 25 | $15.9M | $6.8M | ||
| Q1 25 | $-7.9M | $6.2M | ||
| Q4 24 | $71.1M | $2.1M | ||
| Q3 24 | $24.7M | $-1.3M | ||
| Q2 24 | $852.0K | $5.1M | ||
| Q1 24 | $19.1M | $-277.0K |
| Q4 25 | $28.8M | $891.0K | ||
| Q3 25 | $34.0M | $1.9M | ||
| Q2 25 | $9.9M | $6.2M | ||
| Q1 25 | $-11.5M | $5.9M | ||
| Q4 24 | $63.0M | $1.7M | ||
| Q3 24 | $23.0M | $-1.4M | ||
| Q2 24 | $-431.0K | $5.1M | ||
| Q1 24 | $18.0M | $-326.0K |
| Q4 25 | 36.8% | 1.6% | ||
| Q3 25 | 48.1% | 3.2% | ||
| Q2 25 | 14.2% | 10.3% | ||
| Q1 25 | -17.8% | 10.3% | ||
| Q4 24 | 101.9% | 3.6% | ||
| Q3 24 | 40.6% | -3.0% | ||
| Q2 24 | -0.8% | 10.3% | ||
| Q1 24 | 33.9% | -0.7% |
| Q4 25 | 18.3% | 1.4% | ||
| Q3 25 | 3.1% | 0.7% | ||
| Q2 25 | 8.6% | 0.9% | ||
| Q1 25 | 5.6% | 0.6% | ||
| Q4 24 | 13.1% | 0.9% | ||
| Q3 24 | 3.0% | 0.0% | ||
| Q2 24 | 2.3% | 0.0% | ||
| Q1 24 | 2.1% | 0.1% |
| Q4 25 | 3.55× | 3.65× | ||
| Q3 25 | 3.76× | 1.68× | ||
| Q2 25 | 2.01× | 0.06× | ||
| Q1 25 | -1.04× | 24.80× | ||
| Q4 24 | 7.70× | 0.28× | ||
| Q3 24 | 3.25× | — | ||
| Q2 24 | 0.11× | 0.06× | ||
| 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% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
