Peapack-Gladstone Financial Corporation Financial Ratios — PGC

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	83.37	36.43	27.24	31.98	31.69	31.55	32.25	29.29	24.51	11.53	21.37	22.57	12.56	7.73	8.14
Return on Assets (%)	0.78	0.59	0.51	0.64	0.66	0.73	0.9	0.99	0.97	0.47	0.95	1.19	0.76	0.49	0.51
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.61	4.2	5.05	3.49	3.8	2.62	2.47	2.71	2.38	2.33	2.33	2.12	2.23	2.08	1.89
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	22.48	22.93	21.1	28.28	30.51	34.86	37.26	36.27	37.79	16.9	37.8	43.1	29.95	20.17	18.96
Profit Margin (%)	19.56	13.81	13.23	17.34	18.96	21.59	25.04	27.76	27.11	13.83	27.56	31.27	21.75	14.8	13.53
Net Income to Common Margin (%)	17.59	13.13	13.23	17.34	18.96	21.59	25.04	27.76	27.11	13.83	27.56	31.27	21.75	14.8	13.53
Effective Tax Rate (%)	12.97	39.78	37.27	38.69	37.86	38.05	32.8	23.48	28.26	18.16	27.09	27.45	27.39	26.62	28.64
Dvd Payout Ratio (%)	12.43	15.31	19.46	16.21	15.52	12.45	9.72	8.4	8.15	14.43	6.67	4.91	7.28	10.7	9.43
Sustainable Growth Rate (%)	73	30.85	21.94	26.79	26.77	27.62	29.11	26.83	22.52	9.87	19.95	21.47	11.64	6.9	7.37

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	27	21	138	149	135	120	130	200	337	213	149	531	553	178	217
ST Debt	- -	- -	55	55	41	- -	- -	- -	128	15	- -	380	404	- -	73
LT Debt	27	21	83	94	94	120	130	200	208	198	149	151	150	178	144
Total Debt/EBITDA	9.36	7.19	39.12	49.78	33.63	37.38	36.15	46.26	80.8	48.32	31.04	105.26	110.52	38.57	41.67
Net Debt/EBITDA	-8.81	-36.29	26.74	35.81	13.57	-16.17	2.11	7.07	26.03	-103.4	-2.95	63.93	69.79	-55.72	-2.98
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.35	1.74	1.98	2.01	2.14	2.48	3.06	3.71	4.16	4.05	4.8	5.77	6.36	6.3	6.32
Long-Term Debt/Equity (%)	21.84	17.36	48.9	38.97	34.07	37.09	32.2	42.55	41.39	37.62	27.2	28.4	25.63	29.46	21.8
Long-Term Debt/Capital (%)	43.05	42.16	47.07	46.46	45.49	55.6	49.94	53.82	37.74	43.9	33.77	16.87	15.5	28.79	20.73
Long-Term Debt/Total Assets (%)	1.68	1.27	4.24	3.49	2.79	3.1	3.05	4.32	4.02	3.37	2.45	2.38	2.31	2.55	1.91
Total Debt/Equity (%)	21.84	17.36	81.07	61.5	48.83	37.09	32.2	42.55	66.82	40.46	27.2	99.61	94.81	29.46	32.93
Total Debt/Capital (%)	43.05	42.16	78.04	73.33	65.2	55.6	49.94	53.82	60.93	47.22	33.77	59.17	57.33	28.79	31.32
Total Debt/Total Assets (%)	1.68	1.27	7.03	5.51	4	3.1	3.05	4.32	6.49	3.62	2.45	8.36	8.54	2.55	2.88
Net Debt to Equity	-20.55	-87.59	55.4	44.24	19.71	-16.05	1.88	6.51	21.53	-86.59	-2.58	60.5	59.86	-42.55	-2.36
Net Debt/Capital (%)	-130.03	155.24	66.48	62.28	39.84	-96.92	5.15	14.52	31.5	226.47	-4.81	45.6	44.93	-112.77	-3.08
EBITDA	3	3	4	3	4	3	4	4	4	4	5	5	5	5	5
EBITDA-CapEx	2	2	1	-1	2	- -	1	3	2	1	1	2	2	-3	-9
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.35	1.74	1.98	2.01	2.14	2.48	3.06	3.71	4.16	4.05	4.8	5.77	6.36	6.3	6.32
Long-Term Debt/Equity (%)	21.84	17.36	48.9	38.97	34.07	37.09	32.2	42.55	41.39	37.62	27.2	28.4	25.63	29.46	21.8
Long-Term Debt/Capital (%)	43.05	42.16	47.07	46.46	45.49	55.6	49.94	53.82	37.74	43.9	33.77	16.87	15.5	28.79	20.73
Long-Term Debt/Total Assets (%)	1.68	1.27	4.24	3.49	2.79	3.1	3.05	4.32	4.02	3.37	2.45	2.38	2.31	2.55	1.91
Total Debt/Equity (%)	21.84	17.36	81.07	61.5	48.83	37.09	32.2	42.55	66.82	40.46	27.2	99.61	94.81	29.46	32.93
Total Debt/Capital (%)	43.05	42.16	78.04	73.33	65.2	55.6	49.94	53.82	60.93	47.22	33.77	59.17	57.33	28.79	31.32
Total Debt/Total Assets (%)	1.68	1.27	7.03	5.51	4	3.1	3.05	4.32	6.49	3.62	2.45	8.36	8.54	2.55	2.88
CFO/Total Liabilities	1.52	1.15	1.82	1.11	0.98	1.21	1.45	1.55	1.84	0.68	1.36	2.04	1.19	1.11	0.63
CFO/CapEx	23.04	16.93	12.85	6.92	15.75	13.34	23.5	60.67	50.61	11.94	19.21	33.81	21.36	8.78	2.96
Altman's Z-Score	0.09	0.11	0.11	0.11	0.12	0.15	0.17	0.15	0.16	0.13	0.17	0.18	0.17	0.17	0.17

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	14.97	17.68	17.61	18.16	17.28	16.38	16.56	15.7	16.42	11.48	9.32	10.16	8.05	7.36	8.92
Days Sales Outstanding	24.38	20.64	20.73	20.1	21.12	22.29	22.04	23.24	22.23	31.79	39.16	35.93	45.36	49.61	40.92
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	94	124	173	224	313	504	618	478	595	430	665	676	532	566	491
- Cash & Cash Equivalents	43	119	35	31	70	163	113	161	208	653	147	190	188	391	188
+ Preferred Equity and Hybrid Capital	14	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	27	21	138	149	135	120	130	200	337	213	149	531	553	178	217
Enterprise Value	-228	-279	8	9	182	156	307	138	333	-633	-130	462	347	128	298
Total Capital	62	50	177	203	206	216	260	371	552	452	440	897	965	620	692
Total Debt/Capital (%)	43.05	42.16	78.04	73.33	65.2	55.6	49.94	53.82	60.93	47.22	33.77	59.17	57.33	28.79	31.32
Total Debt / EV	-0.12	-0.08	16.73	16.22	0.74	0.77	0.42	1.44	1.01	-0.34	-1.15	1.15	1.59	1.4	0.73
EV/Sales	- -	- -	0.12	0.11	1.73	1.27	2.11	0.87	1.9	- -	- -	1.95	1.55	0.57	1.08
EV/EBITDA	- -	- -	2.34	3.07	45.49	48.55	85.5	32.1	79.98	- -	- -	91.63	69.38	27.58	57.37
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	0.25	0.34	6.01	3.64	5.5	2.16	3.86	- -	- -	3.89	4.96	1.79	6.92
EV/Free Cash Flow to Firm	- -	- -	0.23	0.29	5.65	3.39	5.27	2.12	3.79	- -	- -	3.78	4.74	1.61	5.17
Diluted Market Cap	94	124	175	226	318	510	628	482	600	434	683	691	538	572	494
Diluted Enterprise Value	92	26	278	344	383	468	645	521	728	-6	685	1,032	904	359	523
EV per Share	- -	- -	0.91	0.76	11.99	9.57	17.41	7.3	17.29	- -	- -	25.45	19.46	7.22	16.95
TTM Sales	62	70	70	86	105	123	146	159	175	189	205	237	225	223	276
TTM EBITDA	3	3	4	3	4	3	4	4	4	4	5	5	5	5	5
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	22	18	33	27	30	43	56	64	86	37	75	119	70	71	43
TTM Free Cash Flow to Firm	23	19	35	31	32	46	58	65	88	40	79	122	73	79	58

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	4.01	6.54	4.97	7.25	9.87	11.05	10.78	7.38	6.82	10.91	8.6	5.65	7.34	7.22	8.57
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-228	-279	8	9	182	156	307	138	333	-633	-130	462	347	128	298
Low Price	9.6	10.52	13.87	17.16	17.5	16.17	28.24	23.96	24.61	11.15	22.47	27.71	21.58	20.3	23.96
EV/Sales	- -	- -	0.12	0.11	1.73	1.27	2.11	0.87	1.9	- -	- -	1.95	1.55	0.57	1.08
EV/EBITDA	- -	- -	2.34	3.07	45.49	48.55	85.5	32.1	79.98	- -	- -	91.63	69.38	27.58	57.37
Price/Earnings	8.6	13.41	18.73	15.04	15.68	19.03	16.94	10.81	12.55	16.42	11.75	9.1	10.9	17.16	13.14
Price/Earnings Average	9.39	13.51	16.23	15.37	15.97	12.74	15.39	13.94	11.44	14.54	10.48	8.55	10.63	14.42	13.45
Price/Earnings High	11.36	16.03	20.32	18.46	18.11	19.71	18.05	16.32	12.88	22.89	12.08	10.32	14.25	20.28	16.71
Price/Earnings Low	7.68	10.02	13.6	13.91	13.31	9.97	13.66	10.29	10	8.04	7.46	6.78	7.88	10.87	11.31
Price/Book Value	4.37	4.25	4.46	4.13	4.36	5.25	4.75	2.79	2.76	1.8	2.28	1.85	1.29	1.28	1.03
Price/Book Value Average	4.76	4.29	3.86	4.22	4.44	3.51	4.31	3.6	2.52	1.6	2.04	1.73	1.26	1.08	1.06
Price/Book Value High	5.77	5.08	4.84	5.07	5.04	5.44	5.05	4.21	2.83	2.51	2.35	2.09	1.69	1.52	1.31
Price/Book Value Low	3.9	3.18	3.24	3.82	3.7	2.75	3.83	2.65	2.2	0.88	1.45	1.37	0.94	0.81	0.89
Price/Tangible Book Value	0.86	1.01	1.02	0.93	1.15	1.57	1.63	1.09	1.29	0.89	1.34	1.39	0.99	1.01	0.8
Price/Tangible Book Value Average	0.94	1.02	0.88	0.95	1.17	1.05	1.48	1.41	1.17	0.79	1.19	1.31	0.97	0.85	0.82
Price/Tangible Book Value High	1.14	1.21	1.1	1.14	1.33	1.63	1.73	1.65	1.32	1.24	1.37	1.58	1.29	1.19	1.02
Price/Tangible Book Value Low	0.77	0.76	0.74	0.86	0.98	0.82	1.31	1.04	1.02	0.44	0.85	1.04	0.72	0.64	0.69
Price/Sales	1.51	1.76	2.48	2.61	2.97	4.11	4.24	3	3.4	2.27	3.24	2.85	2.37	2.54	1.78
Price/Sales Average	1.65	1.77	2.15	2.67	3.03	2.75	3.85	3.87	3.1	2.01	2.89	2.67	2.31	2.14	1.82
Price/Sales High	2	2.1	2.69	3.2	3.43	4.26	4.52	4.53	3.49	3.17	3.33	3.23	3.1	3	2.26
Price/Sales Low	1.35	1.32	1.8	2.41	2.52	2.15	3.42	2.86	2.71	1.11	2.05	2.12	1.71	1.61	1.53
Price/Cash Flow	4.19	6.93	5.3	8.21	10.33	11.74	11.06	7.43	6.9	11.71	8.81	5.69	7.6	7.96	11.37
Price/Cash Flow Average	4.57	6.98	4.6	8.4	10.52	7.86	10.04	9.59	6.29	10.37	7.86	5.34	7.41	6.69	11.64
Price/Cash Flow High	5.53	8.28	5.76	10.08	11.94	12.16	11.78	11.22	7.08	16.32	9.06	6.44	9.93	9.41	14.46
Price/Cash Flow Low	3.74	5.18	3.85	7.59	8.77	6.15	8.92	7.07	5.5	5.74	5.59	4.23	5.5	5.04	9.78
Price/Free Cash Flow Average	4.38	6.59	4.31	7.41	10.06	7.4	9.79	9.52	6.21	9.66	7.68	5.3	7.16	6.07	8.77
Price/Free Cash Flow High	5.3	7.82	5.39	8.89	11.41	11.45	11.48	11.14	6.99	15.21	8.84	6.4	9.59	8.53	10.9
Price/Free Cash Flow Low	3.59	4.89	3.61	6.7	8.38	5.79	8.69	7.03	5.43	5.35	5.46	4.2	5.31	4.57	7.37
EV/Sales Average	1.62	0.38	3.62	4.04	3.64	2.41	3.97	4.11	3.84	- -	2.9	4.11	3.94	1.18	1.92
EV/Sales High	1.96	0.71	4.17	4.57	4.05	3.91	4.63	4.77	4.23	0.84	3.34	4.66	4.73	2.05	2.37
EV/Sales Low	1.32	- -	3.28	3.78	3.14	1.81	3.54	3.1	3.44	- -	2.06	3.55	3.34	0.65	1.63
EV/EBITDA Average	35.05	9.04	71.71	115.86	95.8	91.69	160.85	151.78	161.17	-13.42	124.33	193.46	176.75	56.82	102.08
EV/EBITDA High	42.57	16.93	82.44	131.22	106.5	149.06	187.81	176.07	177.5	36.13	143.18	219.48	212.04	98.61	125.45
EV/EBITDA Low	28.54	-1.88	64.83	108.57	82.52	68.86	143.31	114.35	144.7	-51.93	88.56	167.35	149.97	31.49	86.69
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	10.75	14.08	19.1	18.56	20.62	30.88	35.02	25.18	30.9	22.76	35.4	37.22	29.82	32.05	27.85
High Price	14.2	16.83	20.73	22.78	23.82	31.98	37.3	38	31.7	31.72	36.39	42.19	38.99	37.88	35.41
Enterprise Value Average	101	27	254	347	383	295	578	655	671	-59	595	976	885	263	531
Enterprise Value High	122	50	292	393	426	480	675	760	739	159	686	1,107	1,062	456	653
Enterprise Value Low	82	-6	229	325	330	222	515	493	603	-229	424	844	751	146	451

Shares Outstanding	9	9	12	15	16	17	19	19	19	19	18	18	18	18	18
Diluted Weighted Avg Shares	9	9	9	12	15	17	18	19	19	19	19	19	18	18	18
Basic Weighted Avg Shares	9	9	9	12	15	16	18	19	19	19	19	18	18	18	18
Revenue per Share	7.11	8	7.71	7.12	6.94	7.51	8.25	8.39	9.08	10.02	10.93	13.08	12.58	12.61	15.67
EBITDA per Share	0.33	0.34	0.39	0.25	0.26	0.2	0.2	0.23	0.22	0.23	0.25	0.28	0.28	0.26	0.3
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.25	1.05	1.02	1.23	1.32	1.62	2.07	2.33	2.46	1.39	3.01	4.09	2.74	1.87	2.12
Basic EPS from Cont Ops	1.39	1.1	1.02	1.23	1.32	1.62	2.07	2.33	2.46	1.39	3.01	4.09	2.74	1.87	2.12
Diluted EPS, GAAP	1.25	1.05	1.01	1.22	1.29	1.6	2.03	2.31	2.44	1.37	2.93	4	2.71	1.85	2.1
Diluted EPS from Cont Ops	1.39	1.1	1.01	1.22	1.29	1.6	2.03	2.31	2.44	1.37	2.93	4	2.71	1.85	2.1
Dividend per Share	0.3	0.21	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2
Cash Flow per Share	2.57	2.03	3.6	2.26	2	2.63	3.17	3.39	4.48	1.94	4.02	6.55	3.93	4.03	2.45
Free Cash Flow per Basic Share	2.45	1.91	3.32	1.93	1.87	2.43	3.03	3.33	4.39	1.78	3.81	6.35	3.74	3.57	1.62
Cash & Equivalents per Share	41.42	48.23	33.43	30.15	17.49	28.68	24.97	28.4	31.08	67.52	50.22	41.01	41.36	34.93	23.21
Book Value per Share	2.46	3.31	4.29	4.49	4.73	5.88	7.38	9.03	11.2	12.62	15.52	20.17	23.08	24.99	27
Tangible Book Value per Share	12.45	13.9	18.8	20.03	17.94	19.67	21.51	23.02	24.03	25.57	26.48	26.74	30.12	31.75	34.88

Peapack-Gladstone Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)