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Side-by-side financial comparison of PEAPACK GLADSTONE FINANCIAL CORP (PGC) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $78.2M, roughly 1.0× PEAPACK GLADSTONE FINANCIAL CORP). PEAPACK GLADSTONE FINANCIAL CORP runs the higher net margin — 15.5% vs -178.3%, a 193.8% gap on every dollar of revenue. On growth, PEAPACK GLADSTONE FINANCIAL CORP posted the faster year-over-year revenue change (26.5% vs 0.4%). PEAPACK GLADSTONE FINANCIAL CORP produced more free cash flow last quarter ($28.8M vs $23.2M). Over the past eight quarters, PEAPACK GLADSTONE FINANCIAL CORP's revenue compounded faster (21.4% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
PGC vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $78.2M | $78.6M |
| Net Profit | $12.2M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 21.7% | -182.2% |
| Net Margin | 15.5% | -178.3% |
| Revenue YoY | 26.5% | 0.4% |
| Net Profit YoY | 31.6% | -3304.1% |
| EPS (diluted) | $0.68 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $70.7M | $77.7M | ||
| Q2 25 | $69.7M | $75.6M | ||
| Q1 25 | $64.4M | $77.3M | ||
| Q4 24 | $61.8M | $78.3M | ||
| Q3 24 | $56.6M | $79.1M | ||
| Q2 24 | $56.6M | $74.9M | ||
| Q1 24 | $53.1M | $80.7M |
| Q4 25 | $12.2M | $-140.1M | ||
| Q3 25 | $9.6M | $-6.4M | ||
| Q2 25 | $7.9M | $-102.3M | ||
| Q1 25 | $7.6M | $-7.9M | ||
| Q4 24 | $9.2M | $-4.1M | ||
| Q3 24 | $7.6M | $3.2M | ||
| Q2 24 | $7.5M | $-4.1M | ||
| Q1 24 | $8.6M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 21.7% | -182.2% | ||
| Q3 25 | 19.2% | -3.9% | ||
| Q2 25 | 16.1% | -138.7% | ||
| Q1 25 | 16.2% | -4.7% | ||
| Q4 24 | 19.8% | -1.5% | ||
| Q3 24 | 19.0% | -0.9% | ||
| Q2 24 | 16.9% | -4.6% | ||
| Q1 24 | 23.4% | -3.1% |
| Q4 25 | 15.5% | -178.3% | ||
| Q3 25 | 13.6% | -8.3% | ||
| Q2 25 | 11.4% | -135.2% | ||
| Q1 25 | 11.8% | -10.3% | ||
| Q4 24 | 14.9% | -5.3% | ||
| Q3 24 | 13.4% | 4.1% | ||
| Q2 24 | 13.3% | -5.4% | ||
| Q1 24 | 16.3% | -6.5% |
| Q4 25 | $0.68 | $-1.68 | ||
| Q3 25 | $0.54 | $-0.08 | ||
| Q2 25 | $0.45 | $-1.15 | ||
| Q1 25 | $0.43 | $-0.09 | ||
| Q4 24 | $0.52 | $-0.04 | ||
| Q3 24 | $0.43 | $0.03 | ||
| Q2 24 | $0.42 | $-0.04 | ||
| Q1 24 | $0.48 | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $658.2M | $484.4M |
| Total Assets | $7.5B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $658.2M | $484.4M | ||
| Q3 25 | $642.5M | $616.9M | ||
| Q2 25 | $629.8M | $633.7M | ||
| Q1 25 | $621.9M | $755.7M | ||
| Q4 24 | $605.8M | $761.3M | ||
| Q3 24 | $607.6M | $754.7M | ||
| Q2 24 | $588.3M | $815.4M | ||
| Q1 24 | $582.4M | $813.8M |
| Q4 25 | $7.5B | $1.2B | ||
| Q3 25 | $7.4B | $1.3B | ||
| Q2 25 | $7.2B | $1.4B | ||
| Q1 25 | $7.1B | $1.5B | ||
| Q4 24 | $7.0B | $1.6B | ||
| Q3 24 | $6.8B | $1.6B | ||
| Q2 24 | $6.5B | $1.5B | ||
| Q1 24 | $6.4B | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $23.3M |
| Free Cash FlowOCF − Capex | $28.8M | $23.2M |
| FCF MarginFCF / Revenue | 36.8% | 29.6% |
| Capex IntensityCapex / Revenue | 18.3% | 0.1% |
| Cash ConversionOCF / Net Profit | 3.55× | — |
| TTM Free Cash FlowTrailing 4 quarters | $61.3M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $43.1M | $23.3M | ||
| Q3 25 | $36.2M | $32.2M | ||
| Q2 25 | $15.9M | $33.1M | ||
| Q1 25 | $-7.9M | $2.5M | ||
| Q4 24 | $71.1M | $34.3M | ||
| Q3 24 | $24.7M | $60.1M | ||
| Q2 24 | $852.0K | $31.0M | ||
| Q1 24 | $19.1M | $24.8M |
| Q4 25 | $28.8M | $23.2M | ||
| Q3 25 | $34.0M | $32.1M | ||
| Q2 25 | $9.9M | $33.0M | ||
| Q1 25 | $-11.5M | $2.4M | ||
| Q4 24 | $63.0M | $34.0M | ||
| Q3 24 | $23.0M | $59.8M | ||
| Q2 24 | $-431.0K | $30.5M | ||
| Q1 24 | $18.0M | $24.7M |
| Q4 25 | 36.8% | 29.6% | ||
| Q3 25 | 48.1% | 41.3% | ||
| Q2 25 | 14.2% | 43.6% | ||
| Q1 25 | -17.8% | 3.0% | ||
| Q4 24 | 101.9% | 43.5% | ||
| Q3 24 | 40.6% | 75.6% | ||
| Q2 24 | -0.8% | 40.7% | ||
| Q1 24 | 33.9% | 30.6% |
| Q4 25 | 18.3% | 0.1% | ||
| Q3 25 | 3.1% | 0.2% | ||
| Q2 25 | 8.6% | 0.1% | ||
| Q1 25 | 5.6% | 0.2% | ||
| Q4 24 | 13.1% | 0.3% | ||
| Q3 24 | 3.0% | 0.3% | ||
| Q2 24 | 2.3% | 0.6% | ||
| Q1 24 | 2.1% | 0.1% |
| Q4 25 | 3.55× | — | ||
| Q3 25 | 3.76× | — | ||
| Q2 25 | 2.01× | — | ||
| Q1 25 | -1.04× | — | ||
| Q4 24 | 7.70× | — | ||
| Q3 24 | 3.25× | 18.52× | ||
| 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% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
