PEAPACK GLADSTONE FINL CORP (PGC) Fundamental Analysis & Valuation

NASDAQ:PGC • US7046991078

Current stock price

39.44 USD
-0.61 (-1.52%)
At close:
39.44 USD
0 (0%)
After Hours:

This PGC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. PGC Profitability Analysis

1.1 Basic Checks

  • PGC had positive earnings in the past year.
  • In the past year PGC had a positive cash flow from operations.
  • In the past 5 years PGC has always been profitable.
  • PGC had a positive operating cash flow in each of the past 5 years.
PGC Yearly Net Income VS EBIT VS OCF VS FCFPGC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.50%, PGC is doing worse than 83.51% of the companies in the same industry.
  • PGC's Return On Equity of 5.67% is on the low side compared to the rest of the industry. PGC is outperformed by 79.79% of its industry peers.
Industry RankSector Rank
ROA 0.5%
ROE 5.67%
ROIC N/A
ROA(3y)0.57%
ROA(5y)0.76%
ROE(3y)6.5%
ROE(5y)8.75%
ROIC(3y)N/A
ROIC(5y)N/A
PGC Yearly ROA, ROE, ROICPGC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of PGC (13.19%) is worse than 83.78% of its industry peers.
  • PGC's Profit Margin has been stable in the last couple of years.
  • PGC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 13.19%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-24.46%
PM growth 5Y-0.95%
GM growth 3YN/A
GM growth 5YN/A
PGC Yearly Profit, Operating, Gross MarginsPGC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. PGC Health Analysis

2.1 Basic Checks

  • PGC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • PGC has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, PGC has less shares outstanding
  • The debt/assets ratio for PGC has been reduced compared to a year ago.
PGC Yearly Shares OutstandingPGC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
PGC Yearly Total Debt VS Total AssetsPGC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • PGC has a debt to FCF ratio of 3.51. This is a good value and a sign of high solvency as PGC would need 3.51 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 3.51, PGC is not doing good in the industry: 61.97% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.15 indicates that PGC is not too dependend on debt financing.
  • PGC has a Debt to Equity ratio of 0.15. This is comparable to the rest of the industry: PGC outperforms 53.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 3.51
Altman-Z N/A
ROIC/WACCN/A
WACC21.25%
PGC Yearly LT Debt VS Equity VS FCFPGC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PGC Yearly Current Assets VS Current LiabilitesPGC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. PGC Growth Analysis

3.1 Past

  • PGC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.89%, which is quite impressive.
  • Measured over the past 5 years, PGC shows a small growth in Earnings Per Share. The EPS has been growing by 3.84% on average per year.
  • The Revenue has grown by 24.05% in the past year. This is a very strong growth!
  • Measured over the past years, PGC shows a quite strong growth in Revenue. The Revenue has been growing by 8.36% on average per year.
EPS 1Y (TTM)33.89%
EPS 3Y-20.17%
EPS 5Y3.84%
EPS Q2Q%86.05%
Revenue 1Y (TTM)24.05%
Revenue growth 3Y5.28%
Revenue growth 5Y8.36%
Sales Q2Q%30.78%

3.2 Future

  • PGC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 52.18% yearly.
  • Based on estimates for the next years, PGC will show a quite strong growth in Revenue. The Revenue will grow by 16.15% on average per year.
EPS Next Y74.65%
EPS Next 2Y52.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.77%
Revenue Next 2Y16.15%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
PGC Yearly Revenue VS EstimatesPGC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
PGC Yearly EPS VS EstimatesPGC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. PGC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.37 indicates a correct valuation of PGC.
  • PGC's Price/Earnings ratio is a bit more expensive when compared to the industry. PGC is more expensive than 77.66% of the companies in the same industry.
  • PGC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.42.
  • With a Price/Forward Earnings ratio of 8.35, the valuation of PGC can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, PGC is valued cheaper than 82.98% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.29. PGC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 16.37
Fwd PE 8.35
PGC Price Earnings VS Forward Price EarningsPGC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, PGC is valued a bit more expensive than the industry average as 77.93% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 24.44
EV/EBITDA N/A
PGC Per share dataPGC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as PGC's earnings are expected to grow with 52.18% in the coming years.
PEG (NY)0.22
PEG (5Y)4.27
EPS Next 2Y52.18%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. PGC Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.51%, PGC is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.55, PGC's dividend is way lower than its industry peers. On top of this 84.57% of the companies listed in the same industry pay a better dividend than PGC!
  • With a Dividend Yield of 0.51, PGC pays less dividend than the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 0.51%

5.2 History

  • The dividend of PGC decreases each year by -0.01%.
  • PGC has paid a dividend for at least 10 years, which is a reliable track record.
  • PGC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)-0.01%
Div Incr Years0
Div Non Decr Years15
PGC Yearly Dividends per sharePGC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15

5.3 Sustainability

  • 9.43% of the earnings are spent on dividend by PGC. This is a low number and sustainable payout ratio.
DP9.43%
EPS Next 2Y52.18%
EPS Next 3YN/A
PGC Yearly Income VS Free CF VS DividendPGC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
PGC Dividend Payout.PGC Dividend Payout, showing the Payout Ratio.PGC Dividend Payout.PayoutRetained Earnings

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PGC Fundamentals: All Metrics, Ratios and Statistics

PEAPACK GLADSTONE FINL CORP

NASDAQ:PGC (4/24/2026, 8:01:58 PM)

After market: 39.44 0 (0%)

39.44

-0.61 (-1.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22
Earnings (Next)07-20
Inst Owners73.3%
Inst Owner Change0.33%
Ins Owners10.41%
Ins Owner Change4.07%
Market Cap698.48M
Revenue(TTM)283.00M
Net Income(TTM)37.33M
Analysts82.5
Price Target41.31 (4.74%)
Short Float %3.69%
Short Ratio4.12
Dividend
Industry RankSector Rank
Dividend Yield 0.51%
Yearly Dividend0.2
Dividend Growth(5Y)-0.01%
DP9.43%
Div Incr Years0
Div Non Decr Years15
Ex-Date02-12
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.17%
Min EPS beat(2)-11.26%
Max EPS beat(2)-3.07%
EPS beat(4)0
Avg EPS beat(4)-14.14%
Min EPS beat(4)-26.96%
Max EPS beat(4)-3.07%
EPS beat(8)3
Avg EPS beat(8)-1.49%
EPS beat(12)4
Avg EPS beat(12)-4.1%
EPS beat(16)6
Avg EPS beat(16)-3.08%
Revenue beat(2)0
Avg Revenue beat(2)-2.14%
Min Revenue beat(2)-3.29%
Max Revenue beat(2)-0.99%
Revenue beat(4)0
Avg Revenue beat(4)-2.97%
Min Revenue beat(4)-5.43%
Max Revenue beat(4)-0.99%
Revenue beat(8)3
Avg Revenue beat(8)-1.36%
Revenue beat(12)4
Avg Revenue beat(12)-1.86%
Revenue beat(16)6
Avg Revenue beat(16)-1.67%
PT rev (1m)6.58%
PT rev (3m)13.68%
EPS NQ rev (1m)-3.56%
EPS NQ rev (3m)0%
EPS NY rev (1m)-1.1%
EPS NY rev (3m)2.99%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)5.98%
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)4.63%
Valuation
Industry RankSector Rank
PE 16.37
Fwd PE 8.35
P/S 2.47
P/FCF 24.44
P/OCF 16.19
P/B 1.06
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)2.41
EY6.11%
EPS(NY)4.72
Fwd EY11.98%
FCF(TTM)1.61
FCFY4.09%
OCF(TTM)2.44
OCFY6.18%
SpS15.98
BVpS37.17
TBVpS34.69
PEG (NY)0.22
PEG (5Y)4.27
Graham Number44.8923 (13.82%)
Profitability
Industry RankSector Rank
ROA 0.5%
ROE 5.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.19%
GM N/A
FCFM 10.1%
ROA(3y)0.57%
ROA(5y)0.76%
ROE(3y)6.5%
ROE(5y)8.75%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-24.46%
PM growth 5Y-0.95%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 3.51
Debt/EBITDA N/A
Cap/Depr 279.78%
Cap/Sales 5.14%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 76.56%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC21.25%
ROIC/WACCN/A
Cap/Depr(3y)173.39%
Cap/Depr(5y)134.01%
Cap/Sales(3y)3.37%
Cap/Sales(5y)2.68%
Profit Quality(3y)134.77%
Profit Quality(5y)137.27%
High Growth Momentum
Growth
EPS 1Y (TTM)33.89%
EPS 3Y-20.17%
EPS 5Y3.84%
EPS Q2Q%86.05%
EPS Next Y74.65%
EPS Next 2Y52.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)24.05%
Revenue growth 3Y5.28%
Revenue growth 5Y8.36%
Sales Q2Q%30.78%
Revenue Next Year19.77%
Revenue Next 2Y16.15%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-54.64%
FCF growth 3Y-37.2%
FCF growth 5Y-3.19%
OCF growth 1Y-39.34%
OCF growth 3Y-28.68%
OCF growth 5Y3.28%

PEAPACK GLADSTONE FINL CORP / PGC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for PEAPACK GLADSTONE FINL CORP?

ChartMill assigns a fundamental rating of 4 / 10 to PGC.


What is the valuation status for PGC stock?

ChartMill assigns a valuation rating of 5 / 10 to PEAPACK GLADSTONE FINL CORP (PGC). This can be considered as Fairly Valued.


Can you provide the profitability details for PEAPACK GLADSTONE FINL CORP?

PEAPACK GLADSTONE FINL CORP (PGC) has a profitability rating of 2 / 10.


Can you provide the financial health for PGC stock?

The financial health rating of PEAPACK GLADSTONE FINL CORP (PGC) is 2 / 10.


What is the expected EPS growth for PEAPACK GLADSTONE FINL CORP (PGC) stock?

The Earnings per Share (EPS) of PEAPACK GLADSTONE FINL CORP (PGC) is expected to grow by 74.65% in the next year.