PGC Stock Analysis: Peapack-Gladstone Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 790m USD | 12M Return: 58.1% | US7046991078 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.83M
EPS Trend: -18.4%
Qual. Beats: 0
Rev. Trend: 99.7%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Peapack-Gladstone Financial Corporation (NASDAQ: PGC) is the bank holding company for Peapack Private Bank & Trust, a U.S. institution focused on private banking and wealth management rather than mass-market retail banking. Founded in 1921 and headquartered in Bedminster, New Jersey, the company operates through two segments-Banking and Wealth Management-with locations concentrated in northern New Jersey counties (Somerset, Morris, Hunterdon, and Union) plus offices in Bedminster, Morristown, Princeton, and Teaneck.
The Banking segment generates traditional spread income from deposits, commercial and industrial (C&I) loans, commercial real estate, multifamily and residential mortgages, equipment finance, and treasury management services. The Wealth Management segment produces fee-based revenue from personal trust administration, estate and financial planning, tax preparation, and investment advisory services, which diversifies the revenue mix beyond net interest income-a common strategy among regional banks seeking to lift non-interest income as a share of total revenue.
PGCs client base spans high-net-worth individuals, families, businesses, non-profits, foundations, endowments, and commercial borrowers such as business owners, professionals, and real estate investors. As a small-cap regional bank (GICS Sub Industry: Regional Banks), the company is exposed to local New Jersey economic conditions, interest-rate cycles, and the competitive landscape of the densely populated Northeast corridor, while its wealth management arm provides some insulation from pure loan-loss credit risk.
- Net interest margin compresses as Fed cuts rates
- Wealth management fees decline with equity market correction
- Commercial real estate loan losses pressure credit quality
| Net Income: 51.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.72 > 1.0 |
| NWC/Revenue: -1.30k% < 20% (prev -1.26k%; Δ -40.67% < -1%) |
| CFO/TA 0.01 > 3% & CFO 110.9m > Net Income 51.9m |
| Net Debt (-600.8m) to EBITDA (83.9m): -7.16 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (18.2m) vs 12m ago 2.33% < -2% |
| Gross Margin: 61.74% > 18% (prev 55.74%; Δ 6.00% > 0.5%) |
| Asset Turnover: 6.16% > 50% (prev 5.84%; Δ 0.32% > 0%) |
| Interest Coverage Ratio: 0.48 > 6 (EBIT TTM 72.6m / Interest Expense TTM 150.9m) |
| A: -0.76 (Total Current Assets 794.9m - Total Current Liabilities 6.89b) / Total Assets 7.97b |
| B: 0.06 (Retained Earnings 485.5m / Total Assets 7.97b) |
| C: 0.01 (EBIT TTM 72.6m / Avg Total Assets 7.59b) |
| D: 0.10 (Book Value of Equity 715.8m / Total Liabilities 7.25b) |
| Altman-Z'' = -4.65 = D |
| DSRI: 0.92 (Receivables 34.1m/33.2m, Revenue 467.2m/420.3m) |
| GMI: 0.90 (GM 55.74% / 61.74%) |
| AQI: 1.07 (AQ_t 0.89 / AQ_t-1 0.83) |
| SGI: 1.11 (Revenue 467.2m / 420.3m) |
| TATA: -0.01 (NI 51.9m - CFO 110.9m) / TA 7.97b) |
| Beneish M = -3.06 (Cap -4..+1) = AA |
As of October 06, 2026, the stock is trading at USD 44.34 with a total of 107,237 shares traded. Over the past week, the price has changed by +0.50%, over one month by -3.48%, over three months by -7.22% and over the past year by +58.12%.
Current recommended Stop Loss: 43.10 (which is 2.8% or 1.2 ATR below the current price).
Peapack-Gladstone Financial has received a consensus analysts rating of 4.50. Therefore, it is recommended to buy PGC.
- StrongBuy: 2
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 56 | 26.3% |
P/E Trailing = 15.4792
P/E Forward = 9.5969
P/S = 2.7377
P/B = 1.1462
P/EG = 0.6426
Revenue TTM = 467.2m USD
EBIT TTM = 72.6m USD
EBITDA TTM = 83.9m USD
Long Term Debt = 99.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 74.9m USD (from shortTermDebt, last quarter)
Debt = 160.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 42.6m
Net Debt = -600.8m USD (calculated: Debt 160.0m - CCE 760.8m)
Enterprise Value = 189.5m USD (790.3m + Debt 160.0m - CCE 760.8m)
Interest Coverage Ratio = 0.48 (Ebit TTM 72.6m / Interest Expense TTM 150.9m)
EV/FCF = 1.79x (Enterprise Value 189.5m / FCF TTM 105.9m)
FCF Yield = 55.89% (FCF TTM 105.9m / Enterprise Value 189.5m)
FCF Margin = 22.68% (FCF TTM 105.9m / Revenue TTM 467.2m)
Net Margin = 11.11% (Net Income TTM 51.9m / Revenue TTM 467.2m)
Gross Margin = 61.74% ((Revenue TTM 467.2m - Cost of Revenue TTM 178.7m) / Revenue TTM)
Gross Margin QoQ = 63.73% (prev 63.89%)
Tobins Q-Ratio = 0.02 (Enterprise Value 189.5m / Total Assets 7.97b)
Interest Expense / Debt = 94.26% (Interest Expense 150.9m / Debt 160.0m)
Taxrate = 28.51% (20.7m / 72.6m)
NOPAT = 51.9m (EBIT 72.6m * (1 - 28.51%))
Current Ratio = 0.12 (Total Current Assets 794.9m / Total Current Liabilities 6.89b)
Debt / Equity = 0.22 (Debt 160.0m / totalStockholderEquity, last quarter 715.8m)
Debt / EBITDA = -7.16 (Net Debt -600.8m / EBITDA 83.9m)
Debt / FCF = -5.67 (Net Debt -600.8m / FCF TTM 105.9m)
Total Stockholder Equity = 678.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.68% (Net Income 51.9m / Total Assets 7.97b)
RoE = 7.65% (Net Income TTM 51.9m / Total Stockholder Equity 678.9m)
RoCE = 9.33% (EBIT 72.6m / Capital Employed (Equity 678.9m + L.T.Debt 99.0m))
RoIC = 0.65% (NOPAT 51.9m / Invested Capital 7.95b)
WACC = 6.72% (E(790.3m)/V(950.4m) * Re(8.08%) + (debt cost/tax rate unavailable))
Discount Rate = 8.08% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 44.85 | Cagr: 1.01%
[DCF] Terminal Value 77.97% ; FCFF base≈81.1m ; Y1≈93.0m ; Y5≈136.9m
[DCF] Fair Price = 150.1 (EV 2.06b - Net Debt -600.8m = Equity 2.66b / Shares 17.7m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -18.36 | EPS CAGR: -4.54% | SUE: -0.19 | # QB: 0
Revenue Correlation: 99.71 | Revenue CAGR: 9.61% | SUE: 0.63 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.93 | Chg30d=-7.25% | Revisions=-50% | Analysts=4
EPS current Year (2026-12-31): EPS=3.57 | Chg30d=-4.39% | Revisions=-40% | GrowthEPS=+65.4% | GrowthRev=+23.7%
EPS next Year (2027-12-31): EPS=4.81 | Chg30d=-1.08% | Revisions=+0% | GrowthEPS=+34.6% | GrowthRev=+13.0%
[Analyst] Revisions Ratio: -50% (up=1, down=6)