PGC Stock Analysis: Peapack-Gladstone Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 840m USD | 12M Return: 58% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.46M
EPS Trend: -62.5%
Qual. Beats: 1
Rev. Trend: 98.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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 (PGC) is a bank holding company headquartered in Bedminster, New Jersey, that operates through Peapack Private Bank & Trust. Founded in 1921, the company runs two business segments: Banking and Wealth Management, serving clients across New Jersey from locations in Bedminster, Morristown, Princeton, and Teaneck, along with branches in Somerset, Morris, Hunterdon, and Union counties.
Its banking segment provides deposit products (checking, savings, money market, CDs, IRAs), a range of lending services including commercial and residential mortgages, home equity lines, working capital credit, equipment finance, and treasury management. The wealth management segment offers personal trust services (executor, trustee, custodian, guardian roles), investment management, financial planning, tax preparation, and advisory services.
PGCs client base spans business owners, professionals, non-profits, consumers, high-net-worth individuals, families, foundations, endowments, trusts, and estates. As a small-cap regional bank within the GICS Regional Banks sub-industry, the company combines traditional community banking with private banking and trust services, a hybrid model that allows regional banks to generate fee-based income from wealth management alongside net interest income from lending activities.
- Net interest margin compresses as Fed cuts rates
- Wealth Management fees expand on rising AUM and market volatility
- Commercial real estate loan portfolio raises credit quality concerns
| Net Income: 43.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.35 > 1.0 |
| NWC/Revenue: -1.44k% < 20% (prev -1.47k%; Δ 28.67% < -1%) |
| CFO/TA 0.01 > 3% & CFO 75.6m > Net Income 43.9m |
| Net Debt (-154.6m) to EBITDA (72.8m): -2.12 < 3 |
| Current Ratio: 0.05 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.8m) vs 12m ago -0.29% < -2% |
| Gross Margin: 59.92% > 18% (prev 54.61%; Δ 5.31% > 0.5%) |
| Asset Turnover: 6.14% > 50% (prev 5.76%; Δ 0.38% > 0%) |
| Interest Coverage Ratio: 0.39 > 6 (EBIT TTM 61.6m / Interest Expense TTM 155.9m) |
| A: -0.85 (Total Current Assets 336.8m - Total Current Liabilities 6.89b) / Total Assets 7.70b |
| B: 0.06 (Retained Earnings 470.6m / Total Assets 7.70b) |
| C: 0.01 (EBIT TTM 61.6m / Avg Total Assets 7.41b) |
| D: 0.10 (Book Value of Equity 699.2m / Total Liabilities 7.00b) |
| Altman-Z'' = -5.22 = D |
| DSRI: 0.93 (Receivables 33.1m/32.0m, Revenue 454.9m/410.1m) |
| GMI: 0.91 (GM 54.61% / 59.92%) |
| AQI: 1.00 (AQ_t 0.95 / AQ_t-1 0.94) |
| SGI: 1.11 (Revenue 454.9m / 410.1m) |
| TATA: -0.00 (NI 43.9m - CFO 75.6m) / TA 7.70b) |
| Beneish M = -3.08 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 47.03 with a total of 183,382 shares traded. Over the past week, the price has changed by -1.28%, over one month by +5.14%, over three months by +27.12% and over the past year by +58.01%.
Current recommended Stop Loss: 45.30 (which is 3.7% or 1.3 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 | 50.9 | 8.3% |
P/E Trailing = 19.1822
P/E Forward = 9.5969
P/S = 3.0653
P/B = 1.2796
P/EG = 0.6426
Revenue TTM = 454.9m USD
EBIT TTM = 61.6m USD
EBITDA TTM = 72.8m USD
Long Term Debt = 99.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 63.8m USD (from shortTermDebt, last quarter)
Debt = 149.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 42.6m
Net Debt = -154.6m USD (calculated: Debt 149.0m - CCE 303.7m)
Enterprise Value = 684.9m USD (839.5m + Debt 149.0m - CCE 303.7m)
Interest Coverage Ratio = 0.39 (Ebit TTM 61.6m / Interest Expense TTM 155.9m)
EV/FCF = 10.81x (Enterprise Value 684.9m / FCF TTM 63.4m)
FCF Yield = 9.25% (FCF TTM 63.4m / Enterprise Value 684.9m)
FCF Margin = 13.93% (FCF TTM 63.4m / Revenue TTM 454.9m)
Net Margin = 9.65% (Net Income TTM 43.9m / Revenue TTM 454.9m)
Gross Margin = 59.92% ((Revenue TTM 454.9m - Cost of Revenue TTM 182.3m) / Revenue TTM)
Gross Margin QoQ = 63.89% (prev 60.99%)
Tobins Q-Ratio = 0.09 (Enterprise Value 684.9m / Total Assets 7.70b)
Interest Expense / Debt = 104.6% (Interest Expense 155.9m / Debt 149.0m)
Taxrate = 28.74% (17.7m / 61.6m)
NOPAT = 43.9m (EBIT 61.6m * (1 - 28.74%))
Current Ratio = 0.05 (Total Current Assets 336.8m / Total Current Liabilities 6.89b)
Debt / Equity = 0.21 (Debt 149.0m / totalStockholderEquity, last quarter 699.2m)
Debt / EBITDA = -2.12 (Net Debt -154.6m / EBITDA 72.8m)
Debt / FCF = -2.44 (Net Debt -154.6m / FCF TTM 63.4m)
Total Stockholder Equity = 657.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.59% (Net Income 43.9m / Total Assets 7.70b)
RoE = 6.68% (Net Income TTM 43.9m / Total Stockholder Equity 657.4m)
RoCE = 8.14% (EBIT 61.6m / Capital Employed (Equity 657.4m + L.T.Debt 99.0m))
RoIC = 5.17% (NOPAT 43.9m / Invested Capital 849.5m)
WACC = 6.78% (E(839.5m)/V(988.5m) * Re(7.98%) + (debt cost/tax rate unavailable))
Discount Rate = 7.98% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -35.96 | Cagr: -0.50%
[DCF] Terminal Value 77.97% ; FCFF base≈51.4m ; Y1≈58.9m ; Y5≈86.8m
[DCF] Fair Price = 82.41 (EV 1.31b - Net Debt -154.6m = Equity 1.46b / Shares 17.7m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -62.46 | EPS CAGR: -17.68% | SUE: 1.05 | # QB: 1
Revenue Correlation: 98.47 | Revenue CAGR: 10.40% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.88 | Chg30d=+1.16% | Revisions=+57% | Analysts=4
EPS next Quarter (2026-09-30): EPS=1.00 | Chg30d=+2.04% | Revisions=+0% | Analysts=4
EPS current Year (2026-12-31): EPS=3.74 | Chg30d=+1.82% | Revisions=+57% | GrowthEPS=+73.0% | GrowthRev=+22.4%
EPS next Year (2027-12-31): EPS=4.86 | Chg30d=+1.83% | Revisions=+50% | GrowthEPS=+30.1% | GrowthRev=+11.6%
[Analyst] Revisions Ratio: +61% (up=13, down=2)