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Side-by-side financial comparison of PEAPACK GLADSTONE FINANCIAL CORP (PGC) and RE/MAX Holdings, Inc. (RMAX). 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 $71.1M, roughly 1.1× RE/MAX Holdings, Inc.). PEAPACK GLADSTONE FINANCIAL CORP runs the higher net margin — 15.5% vs 2.0%, a 13.5% gap on every dollar of revenue. On growth, PEAPACK GLADSTONE FINANCIAL CORP posted the faster year-over-year revenue change (26.5% vs -1.8%). RE/MAX Holdings, Inc. produced more free cash flow last quarter ($33.5M vs $28.8M). Over the past eight quarters, PEAPACK GLADSTONE FINANCIAL CORP's revenue compounded faster (21.4% CAGR vs -4.7%).
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.
RE/MAX is an international real estate franchise operating in over 100 countries and territories that, in 2015, had over 100,000 agents in 6,800 offices.
PGC vs RMAX — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $78.2M | $71.1M |
| Net Profit | $12.2M | $1.4M |
| Gross Margin | — | — |
| Operating Margin | 21.7% | 13.1% |
| Net Margin | 15.5% | 2.0% |
| Revenue YoY | 26.5% | -1.8% |
| Net Profit YoY | 31.6% | -75.2% |
| EPS (diluted) | $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 | $78.2M | $71.1M | ||
| Q3 25 | $70.7M | $73.2M | ||
| Q2 25 | $69.7M | $72.8M | ||
| Q1 25 | $64.4M | $74.5M | ||
| Q4 24 | $61.8M | $72.5M | ||
| Q3 24 | $56.6M | $78.5M | ||
| Q2 24 | $56.6M | $78.5M | ||
| Q1 24 | $53.1M | $78.3M |
| Q4 25 | $12.2M | $1.4M | ||
| Q3 25 | $9.6M | $4.0M | ||
| Q2 25 | $7.9M | $4.7M | ||
| Q1 25 | $7.6M | $-2.0M | ||
| Q4 24 | $9.2M | $5.8M | ||
| Q3 24 | $7.6M | $966.0K | ||
| Q2 24 | $7.5M | $3.7M | ||
| Q1 24 | $8.6M | $-3.4M |
| Q4 25 | 21.7% | 13.1% | ||
| Q3 25 | 19.2% | 25.0% | ||
| Q2 25 | 16.1% | 19.3% | ||
| Q1 25 | 16.2% | 7.2% | ||
| Q4 24 | 19.8% | 5.9% | ||
| Q3 24 | 19.0% | 19.4% | ||
| Q2 24 | 16.9% | 20.6% | ||
| Q1 24 | 23.4% | 5.8% |
| Q4 25 | 15.5% | 2.0% | ||
| Q3 25 | 13.6% | 5.4% | ||
| Q2 25 | 11.4% | 6.4% | ||
| Q1 25 | 11.8% | -2.6% | ||
| Q4 24 | 14.9% | 8.0% | ||
| Q3 24 | 13.4% | 1.2% | ||
| Q2 24 | 13.3% | 4.7% | ||
| Q1 24 | 16.3% | -4.3% |
| Q4 25 | $0.68 | — | ||
| Q3 25 | $0.54 | — | ||
| Q2 25 | $0.45 | — | ||
| Q1 25 | $0.43 | — | ||
| Q4 24 | $0.52 | — | ||
| Q3 24 | $0.43 | — | ||
| Q2 24 | $0.42 | — | ||
| Q1 24 | $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 | — | $118.7M |
| Total DebtLower is stronger | — | $432.2M |
| Stockholders' EquityBook value | $658.2M | $452.4M |
| Total Assets | $7.5B | $582.5M |
| Debt / EquityLower = less leverage | — | 0.96× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $118.7M | ||
| Q3 25 | — | $107.5M | ||
| Q2 25 | — | $94.3M | ||
| Q1 25 | — | $89.1M | ||
| Q4 24 | — | $96.6M | ||
| Q3 24 | — | $83.8M | ||
| Q2 24 | — | $66.1M | ||
| Q1 24 | — | $82.1M |
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M | ||
| Q1 24 | — | $439.0M |
| Q4 25 | $658.2M | $452.4M | ||
| Q3 25 | $642.5M | $448.1M | ||
| Q2 25 | $629.8M | $442.4M | ||
| Q1 25 | $621.9M | $433.5M | ||
| Q4 24 | $605.8M | $429.5M | ||
| Q3 24 | $607.6M | $423.1M | ||
| Q2 24 | $588.3M | $418.4M | ||
| Q1 24 | $582.4M | $412.0M |
| Q4 25 | $7.5B | $582.5M | ||
| Q3 25 | $7.4B | $582.2M | ||
| Q2 25 | $7.2B | $574.8M | ||
| Q1 25 | $7.1B | $571.4M | ||
| Q4 24 | $7.0B | $581.6M | ||
| Q3 24 | $6.8B | $578.6M | ||
| Q2 24 | $6.5B | $571.4M | ||
| Q1 24 | $6.4B | $566.7M |
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× | ||
| Q1 24 | — | 1.07× |
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 | $40.9M |
| Free Cash FlowOCF − Capex | $28.8M | $33.5M |
| FCF MarginFCF / Revenue | 36.8% | 47.1% |
| Capex IntensityCapex / Revenue | 18.3% | 10.4% |
| Cash ConversionOCF / Net Profit | 3.55× | 28.39× |
| TTM Free Cash FlowTrailing 4 quarters | $61.3M | $56.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $43.1M | $40.9M | ||
| Q3 25 | $36.2M | $17.7M | ||
| Q2 25 | $15.9M | $4.6M | ||
| Q1 25 | $-7.9M | $5.7M | ||
| Q4 24 | $71.1M | $59.7M | ||
| Q3 24 | $24.7M | $17.6M | ||
| Q2 24 | $852.0K | $15.9M | ||
| Q1 24 | $19.1M | $9.4M |
| Q4 25 | $28.8M | $33.5M | ||
| Q3 25 | $34.0M | $16.4M | ||
| Q2 25 | $9.9M | $2.9M | ||
| Q1 25 | $-11.5M | $4.0M | ||
| Q4 24 | $63.0M | $53.0M | ||
| Q3 24 | $23.0M | $16.3M | ||
| Q2 24 | $-431.0K | $14.0M | ||
| Q1 24 | $18.0M | $6.8M |
| Q4 25 | 36.8% | 47.1% | ||
| Q3 25 | 48.1% | 22.4% | ||
| Q2 25 | 14.2% | 4.0% | ||
| Q1 25 | -17.8% | 5.3% | ||
| Q4 24 | 101.9% | 73.2% | ||
| Q3 24 | 40.6% | 20.8% | ||
| Q2 24 | -0.8% | 17.8% | ||
| Q1 24 | 33.9% | 8.6% |
| Q4 25 | 18.3% | 10.4% | ||
| Q3 25 | 3.1% | 1.8% | ||
| Q2 25 | 8.6% | 2.2% | ||
| Q1 25 | 5.6% | 2.3% | ||
| Q4 24 | 13.1% | 9.1% | ||
| Q3 24 | 3.0% | 1.7% | ||
| Q2 24 | 2.3% | 2.4% | ||
| Q1 24 | 2.1% | 3.3% |
| Q4 25 | 3.55× | 28.39× | ||
| Q3 25 | 3.76× | 4.45× | ||
| Q2 25 | 2.01× | 0.97× | ||
| Q1 25 | -1.04× | — | ||
| Q4 24 | 7.70× | 10.28× | ||
| Q3 24 | 3.25× | 18.22× | ||
| Q2 24 | 0.11× | 4.29× | ||
| 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% |
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
