Peapack-Gladstone Financial (PGC) — Defensive Interval Ratio
Peapack-Gladstone Financial (PGC) has a Defensive Interval Ratio of 48 days as of December 2025. Defensive assets of $806.17 Million (cash $-, short-term investments $774.20 Million, receivables $31.97 Million) cover 48 days of daily cash needs of $16.85 Million/day. See PGC working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Peapack-Gladstone Financial Defensive Interval Ratio (1997–2025)
This chart shows how Peapack-Gladstone Financial's Defensive Interval Ratio has evolved across 29 annual periods from 1997 to 2025. As of December 2025, the ratio stands at 48 days, meaning defensive assets of $806.17 Million can fund 48 days of operations without new revenue. See how leveraged is Peapack-Gladstone Financial's balance sheet to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Peapack-Gladstone Financial (1997–2025)
The table below presents the year-by-year Defensive Interval Ratio for Peapack-Gladstone Financial from 1997 to 2025, covering 29 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Peapack-Gladstone Financial market cap and net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 48 days | $806.17 Million | $16.85 Million/day | $- | $774.20 Million | ▲ +43 days |
| 2024 | 5 days | $80.05 Million | $17.06 Million/day | $- | $50.15 Million | ▼ -32 days |
| 2023 | 37 days | $581.29 Million | $15.74 Million/day | $- | $550.62 Million | ▼ 0 days |
| 2022 | 37 days | $579.80 Million | $15.49 Million/day | $- | $554.65 Million | ▼ -18 days |
| 2021 | 56 days | $818.34 Million | $14.64 Million/day | $- | $796.75 Million | ▲ +8 days |
| 2020 | 48 days | $645.18 Million | $13.58 Million/day | $- | $622.69 Million | ▲ +15 days |
| 2019 | 33 days | $401.25 Million | $12.18 Million/day | $- | $390.75 Million | ▼ -3 days |
| 2018 | 36 days | $388.75 Million | $10.78 Million/day | $- | $377.94 Million | ▲ +3 days |
| 2017 | 33 days | $337.08 Million | $10.21 Million/day | $- | $327.63 Million | ▼ 0 days |
| 2016 | 33 days | $313.54 Million | $9.41 Million/day | $- | $305.39 Million | ▲ +9 days |
| 2015 | 25 days | $202.45 Million | $8.21 Million/day | $- | $195.63 Million | ▼ -27 days |
| 2014 | 52 days | $338.02 Million | $6.48 Million/day | $- | $332.65 Million | ▼ -6 days |
| 2013 | 58 days | $272.53 Million | $4.69 Million/day | $- | $268.45 Million | ▼ -16 days |
| 2012 | 74 days | $308.34 Million | $4.18 Million/day | $- | $304.48 Million | ▼ -8 days |
| 2011 | 81 days | $323.60 Million | $3.97 Million/day | $- | $319.52 Million | ▲ +80 days |
| 2010 | 1 days | $4.13 Million | $3.72 Million/day | $- | $-100.00K | ▼ -19 days |
| 2009 | 21 days | $76.55 Million | $3.72 Million/day | $- | $72.11 Million | ▲ +19 days |
| 2008 | 2 days | $5.32 Million | $3.46 Million/day | $- | $1.20 Million | ▼ -1 days |
| 2007 | 2 days | $7.87 Million | $3.32 Million/day | $- | $2.74 Million | ▼ -2 days |
| 2006 | 4 days | $12.25 Million | $3.14 Million/day | $- | $7.07 Million | ▲ +1 days |
| 2005 | 3 days | $8.75 Million | $3.07 Million/day | $- | $3.93 Million | ▲ +1 days |
| 2004 | 2 days | $5.26 Million | $2.56 Million/day | $- | $887.00K | ▼ -16 days |
| 2003 | 18 days | $40.70 Million | $2.32 Million/day | $- | $36.41 Million | ▲ +5 days |
| 2002 | 12 days | $25.55 Million | $2.11 Million/day | $- | $20.95 Million | ▼ -1 days |
| 2001 | 14 days | $23.37 Million | $1.73 Million/day | $- | $18.18 Million | ▼ -16 days |
| 2000 | 29 days | $40.54 Million | $1.39 Million/day | $- | $36.38 Million | ▲ +26 days |
| 1999 | 3 days | $3.40 Million | $1.22 Million/day | $- | $- | ▲ +0 days |
| 1998 | 3 days | $2.96 Million | $1.18 Million/day | $- | $- | ▼ -1 days |
| 1997 | 3 days | $3.01 Million | $899.93K/day | $- | $- | — |