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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Peapack Gladstone Financial's annualizedNet Income for the quarter that ended in Jun. 2026 was €55.5 Mil.
Peapack Gladstone Financial's average Total Assets over the quarter that ended in Jun. 2026 was €6,788.9 Mil. Therefore, Peapack Gladstone Financial's annualized ROA % for the quarter that ended in Jun. 2026 was 0.82%.
The historical rank and industry rank for Peapack Gladstone Financial's ROA % or its related term are showing as below:
FRA:45V'
s ROA % Range Over the Past 10 Years
Min: 0.47 Med: 0.83 Max: 1.19
Current: 0.69
During the past 13 years, Peapack Gladstone Financial's highest ROA % was 1.19%. The lowest was 0.47%. And the median was 0.83%.
FRA:45V's ROA % is ranked worse than 68.96% of 1527
companies
in the Banks industry
Industry Median: 1.01
vs FRA:45V: 0.69
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Peapack Gladstone Financial's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Peapack Gladstone Financial ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Peapack Gladstone Financial's ROA % distribution charts can be found below:
* The bar in red indicates where Peapack Gladstone Financial's ROA % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Peapack Gladstone Financial (FRA:45V) has a ROA % of 0.82% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Peapack Gladstone Financial and its competitors. This is near median its historical median of 0.83. Over the past decade, Peapack Gladstone Financial's ROA % has ranged from 0.47 to 1.19. According to the industry distribution chart, Peapack Gladstone Financial ranks #1053 out of 1527 companies in the Banks industry, placing it in the top 69%.
Is Peapack Gladstone Financial's ROA % too high?
Peapack Gladstone Financial's current ROA % of 0.82% is near median its 10-year median of 0.83. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 1.19. The Banks industry median ROA % is 1.01. Peapack Gladstone Financial's value of 0.82% is 18.8% below this industry median. Based on the distribution chart, Peapack Gladstone Financial ranks #1053 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Peapack Gladstone Financial has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Peapack Gladstone Financial's ROA % compare to ALRS and HTB?
According to the Banks industry distribution chart, Peapack Gladstone Financial ranks #1053 out of 1527 companies for ROA %. This places Peapack Gladstone Financial in the lower half of its industry. The industry median ROA % is 1.01. Peapack Gladstone Financial's value of 0.82% is 18.8% below this benchmark. Historically, Peapack Gladstone Financial's own ROA % has ranged from 0.47 to 1.19 over the past decade. While the company's 10-year median is 0.83 vs. the industry median of 1.01, Peapack Gladstone Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 1.01, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peapack Gladstone Financial's current ROA % of 0.82% is 18.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Peapack Gladstone Financial and its competitors. For the Banks industry, the median ROA % is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peapack Gladstone Financial's current ROA % is 0.82%, which is near median its own 10-year median of 0.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Peapack Gladstone Financial stock overvalued right now?
Based on GuruFocus' analysis, Peapack Gladstone Financial (FRA:45V) is currently considered Modestly Overvalued. The stock's GF Value™ is €33.42, compared to a current price of €39.60 — trading 18.5% above its estimated fair value. The current ROA % is 0.82%, which is near median its 10-year median of 0.83 and 18.8% below the Banks industry median of 1.01. Peapack Gladstone Financial's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Peapack Gladstone Financial (FRA:45V), the current ROA % is 0.82% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Peapack Gladstone Financial (FRA:45V) Overvalued in 2026?
Based on GuruFocus' analysis, Peapack Gladstone Financial stock appears to be overvalued.
The current stock price of €39.60 is trading 18.5% above its estimated GF Value™ of €33.42.
GuruFocus considers Peapack Gladstone Financial to be Modestly Overvalued.
Key valuation signals for FRA:45V:
ROA %: 0.82% (near median its 10-year median of 0.83)
GF Value™: €33.42 vs. price of €39.60 (18.5% above fair value)
Industry Position: 18.8% below the Banks median (#1053 of 1527)
No single metric tells the full story. See the FRA:45V stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Peapack Gladstone Financial Corp is a bank holding company. Through its subsidiaries, the company offers various wealth management, investment banking, and commercial and personal banking solutions to its clients. The company has two reportable segments: Banking, which generates the maximum revenue, and Wealth Management. The Banking segment includes commercial, commercial real estate, multifamily, residential, and consumer lending activities; treasury management services; escrow management; deposit generation; operation of ATMs; telephone and internet banking services; credit card services, etc. The Wealth Management segment offers investment management services for individuals and institutions; personal trust services; and other financial planning and advisory services.
74GF Score
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