COMP <GO>

PGC vs VBNK // DIVIDEND YIELD & FCF PAYOUT SAFETY

Peapack-Gladstone Financial Corporation (NASDAQ) VS. VersaBank (NASDAQ) • 15-METRIC TALLY: PGC 3 — VBNK 0

▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: PGC

LAST: $45.91 (-0.56%) • MKT CAP: $813.9M

dividend-safety

0.43%

LAST: $22.58 (+0.71%) • MKT CAP: $732.0M

dividend-safety

0.00%

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PGC VS. VBNK) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	PGC	VBNK	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	5.70%	—	—	TIE	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	3.54%	—	—	TIE	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	13.20%	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	24.10%	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety ACTIVE	0.43%	0.00%	+0.43	PGC	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	6/9	—	—	TIE	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	55.8	45.1	+10.67	PGC	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	18.3x	—	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap	$813.9M	$732.0M	$81.9M	PGC	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	PGC REV	VBNK REV	PGC GROSS %	VBNK GROSS %	PGC FCF	VBNK FCF
FY 2025	$283.0M	—	—	—	$28.8M	—
FY 2024	$228.1M	—	—	—	$63.0M	—
FY 2023	$229.7M	—	—	—	$70.1M	—

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

PGC // BETA —

VBNK // BETA —