PGC Stock Analysis: Peapack-Gladstone Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 803m USD | 12M Return: 60.1% | US7046991078 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.55M
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 (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: 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 September 27, 2026, the stock is trading at USD 45.03 with a total of 99,955 shares traded. Over the past week, the price has changed by -0.55%, over one month by -0.27%, over three months by -2.85% and over the past year by +60.13%.
Current recommended Stop Loss: 43.60 (which is 3.2% or 1.5 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 | 24.4% |
P/E Trailing = 15.777
P/E Forward = 9.5969
P/S = 2.7807
P/B = 1.1748
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 = 201.9m USD (802.7m + Debt 160.0m - CCE 760.8m)
Interest Coverage Ratio = 0.48 (Ebit TTM 72.6m / Interest Expense TTM 150.9m)
EV/FCF = 1.91x (Enterprise Value 201.9m / FCF TTM 105.9m)
FCF Yield = 52.46% (FCF TTM 105.9m / Enterprise Value 201.9m)
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 = 0.03 (Enterprise Value 201.9m / 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 = 6.73% (E(802.7m)/V(962.8m) * Re(8.07%) + (debt cost/tax rate unavailable))
Discount Rate = 8.07% (= 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)