Key Highlights

  • Peapack-Gladstone Financial (NASDAQ:PGC) is scheduled to report third-quarter results after the close on Tuesday, October 27, 2026, with consensus estimates of USD 0.93 per share.
  • In the second quarter the bank earned USD 0.85 per share, up from USD 0.80 in the first quarter, on revenue of USD 86.1 million, up 23% year on year.
  • Net interest margin reached 3.32%, loans grew about 15% annualised to USD 6.68 billion, and nonperforming assets rose to USD 72.2 million, or 0.91% of total assets.
  • The Federal Reserve decides on Wednesday, October 28, 2026, so margin and deposit cost commentary arrives one day before a rate announcement.

The Setup Against the Second Quarter

Peapack-Gladstone Financial (NASDAQ:PGC) is a New Jersey bank holding company that combines commercial lending with a wealth management business, and it is scheduled to report after the close on Tuesday, October 27, 2026. Consensus estimates call for earnings of USD 0.93 per share. In the release of Monday, July 27, 2026, the bank reported second-quarter earnings of USD 0.85 per share, compared with USD 0.45 a year earlier, and net interest income of USD 63.9 million, up 32% year on year. The efficiency ratio, which measures costs as a share of revenue, improved for a seventh quarter to about 65%. The release gave no numeric guidance. Results cannot be known in advance.

How Margin and Credit Shape the Quarter

Peapack-Gladstone Financial (NASDAQ:PGC) earns most of its revenue from the spread between loan yields and deposit costs, so the 3.32% net interest margin, up 6 basis points on the quarter and 55 basis points on the year, is the key line. Loans rose USD 235.9 million to USD 6.68 billion and deposits rose USD 230.8 million to USD 7.06 billion, which funds that growth. Wealth fees of USD 17.2 million add stable income. Credit is the counterweight: nonperforming assets climbed from USD 59.3 million to USD 72.2 million, mainly because one multifamily loan moved to nonaccrual, and the provision was USD 8.1 million. Management also flagged higher operating expenses in 2026.

Risks and What to Watch

The bull case is earnings at or above USD 0.93 with margin above 3.32% and stable nonperforming assets, which would confirm that rising earnings power is intact and could support the shares. The bear case is a second multifamily problem loan, a rise in the provision or deposit costs that squeeze the margin, which would raise doubts about the earnings path and could weigh on the shares. Investors should watch the efficiency ratio, tangible book value per share, last reported at USD 36.26, the common equity tier 1 ratio of 10.38% and commentary on loan pipelines. The Federal Reserve decision on Wednesday, October 28, 2026 follows.

Where Things Stand

The answer is that Peapack-Gladstone Financial (NASDAQ:PGC) faces a USD 0.93 bar that requires another step up from USD 0.85, so margin, loan growth and credit quality will decide the reaction. The bank has delivered nine straight quarters of revenue growth, which raises expectations. The next catalysts are the release after the close on Tuesday, October 27, 2026 and the Federal Reserve decision on Wednesday, October 28, 2026. Consensus figures are estimates, not guarantees, and this is not investment advice.