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PEAPACK GLADSTONE FINL CORP (PGC) Stock Fundamental Analysis

NASDAQ:PGC - Nasdaq - US7046991078 - Common Stock - Currency: USD

29.49  +1.24 (+4.39%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PGC. PGC was compared to 395 industry peers in the Banks industry. PGC may be in some trouble as it scores bad on both profitability and health. PGC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

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.
In the past 5 years PGC always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

PGC has a worse Return On Assets (0.47%) than 75.95% of its industry peers.
PGC has a worse Return On Equity (5.44%) than 73.67% of its industry peers.
Industry RankSector Rank
ROA 0.47%
ROE 5.44%
ROIC N/A
ROA(3y)0.8%
ROA(5y)0.75%
ROE(3y)9.25%
ROE(5y)8.61%
ROIC(3y)N/A
ROIC(5y)N/A
PGC Yearly ROA, ROE, ROICPGC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

PGC's Profit Margin of 14.46% is on the low side compared to the rest of the industry. PGC is outperformed by 77.47% of its industry peers.
PGC's Profit Margin has declined 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) 14.46%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.7%
PM growth 5Y-11.8%
GM growth 3YN/A
GM growth 5YN/A
PGC Yearly Profit, Operating, Gross MarginsPGC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

PGC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PGC has less shares outstanding
The number of shares outstanding for PGC has been reduced compared to 5 years ago.
PGC has a better debt/assets ratio than last year.
PGC Yearly Shares OutstandingPGC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
PGC Yearly Total Debt VS Total AssetsPGC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

PGC has a debt to FCF ratio of 2.14. This is a good value and a sign of high solvency as PGC would need 2.14 years to pay back of all of its debts.
PGC has a Debt to FCF ratio (2.14) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.22 indicates that PGC is not too dependend on debt financing.
PGC has a Debt to Equity ratio (0.22) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.14
Altman-Z N/A
ROIC/WACCN/A
WACC20.49%
PGC Yearly LT Debt VS Equity VS FCFPGC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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5

3. Growth

3.1 Past

PGC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -31.73%.
Measured over the past years, PGC shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.39% on average per year.
PGC shows a decrease in Revenue. In the last year, the revenue decreased by -0.67%.
Measured over the past years, PGC shows a small growth in Revenue. The Revenue has been growing by 5.45% on average per year.
EPS 1Y (TTM)-31.73%
EPS 3Y-15.9%
EPS 5Y-5.39%
EPS Q2Q%8.33%
Revenue 1Y (TTM)-0.67%
Revenue growth 3Y2.75%
Revenue growth 5Y5.45%
Sales Q2Q%13.95%

3.2 Future

PGC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 48.52% yearly.
PGC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.75% yearly.
EPS Next Y45.08%
EPS Next 2Y48.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year24.42%
Revenue Next 2Y20.75%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
PGC Yearly Revenue VS EstimatesPGC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
PGC Yearly EPS VS EstimatesPGC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 15.94, PGC is valued correctly.
Based on the Price/Earnings ratio, PGC is valued a bit more expensive than the industry average as 70.13% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 24.21. PGC is valued slightly cheaper when compared to this.
PGC is valuated reasonably with a Price/Forward Earnings ratio of 10.99.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PGC is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 20.44. PGC is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 15.94
Fwd PE 10.99
PGC Price Earnings VS Forward Price EarningsPGC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PGC indicates a rather cheap valuation: PGC is cheaper than 80.25% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.3
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

PGC's 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 48.52% in the coming years.
PEG (NY)0.35
PEG (5Y)N/A
EPS Next 2Y48.52%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a yearly dividend of 0.70%, PGC is not a good candidate for dividend investing.
With a Dividend Yield of 0.70, PGC pays less dividend than the industry average, which is at 3.42. 85.32% of the companies listed in the same industry pay a better dividend than PGC!
Compared to an average S&P500 Dividend Yield of 2.41, PGC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.7%

5.2 History

The dividend of PGC decreases each year by -0.42%.
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)-0.42%
Div Incr Years0
Div Non Decr Years14
PGC Yearly Dividends per sharePGC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15

5.3 Sustainability

PGC pays out 10.70% of its income as dividend. This is a sustainable payout ratio.
DP10.7%
EPS Next 2Y48.52%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
PGC Dividend Payout.PGC Dividend Payout, showing the Payout Ratio.PGC Dividend Payout.PayoutRetained Earnings

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PEAPACK GLADSTONE FINL CORP

NASDAQ:PGC (5/12/2025, 1:36:41 PM)

29.49

+1.24 (+4.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners80.04%
Inst Owner Change-3.75%
Ins Owners10.09%
Ins Owner Change-5.88%
Market Cap522.86M
Analysts85
Price Target36.72 (24.52%)
Short Float %3.64%
Short Ratio5.55
Dividend
Industry RankSector Rank
Dividend Yield 0.7%
Yearly Dividend0.2
Dividend Growth(5Y)-0.42%
DP10.7%
Div Incr Years0
Div Non Decr Years14
Ex-Date05-08 2025-05-08 (0.05)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.6%
Min EPS beat(2)13.15%
Max EPS beat(2)14.04%
EPS beat(4)3
Avg EPS beat(4)11.16%
Min EPS beat(4)-6.49%
Max EPS beat(4)23.95%
EPS beat(8)4
Avg EPS beat(8)0.92%
EPS beat(12)6
Avg EPS beat(12)0.61%
EPS beat(16)10
Avg EPS beat(16)4.2%
Revenue beat(2)2
Avg Revenue beat(2)0.78%
Min Revenue beat(2)0.38%
Max Revenue beat(2)1.18%
Revenue beat(4)3
Avg Revenue beat(4)0.24%
Min Revenue beat(4)-4.58%
Max Revenue beat(4)3.98%
Revenue beat(8)4
Avg Revenue beat(8)-1.31%
Revenue beat(12)6
Avg Revenue beat(12)-1.23%
Revenue beat(16)9
Avg Revenue beat(16)-0.24%
PT rev (1m)-1.82%
PT rev (3m)-6.9%
EPS NQ rev (1m)-3.12%
EPS NQ rev (3m)-3.12%
EPS NY rev (1m)-2.88%
EPS NY rev (3m)-4.76%
Revenue NQ rev (1m)-0.38%
Revenue NQ rev (3m)-0.37%
Revenue NY rev (1m)1.88%
Revenue NY rev (3m)1.89%
Valuation
Industry RankSector Rank
PE 15.94
Fwd PE 10.99
P/S 2.29
P/FCF 8.3
P/OCF 7.35
P/B 0.86
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)1.85
EY6.27%
EPS(NY)2.68
Fwd EY9.1%
FCF(TTM)3.55
FCFY12.05%
OCF(TTM)4.01
OCFY13.6%
SpS12.87
BVpS34.17
TBVpS31.64
PEG (NY)0.35
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 5.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.46%
GM N/A
FCFM 27.62%
ROA(3y)0.8%
ROA(5y)0.75%
ROE(3y)9.25%
ROE(5y)8.61%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.7%
PM growth 5Y-11.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.14
Debt/EBITDA N/A
Cap/Depr 175%
Cap/Sales 3.55%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 191%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC20.49%
ROIC/WACCN/A
Cap/Depr(3y)103.01%
Cap/Depr(5y)92.15%
Cap/Sales(3y)2.14%
Cap/Sales(5y)1.98%
Profit Quality(3y)161.09%
Profit Quality(5y)147.6%
High Growth Momentum
Growth
EPS 1Y (TTM)-31.73%
EPS 3Y-15.9%
EPS 5Y-5.39%
EPS Q2Q%8.33%
EPS Next Y45.08%
EPS Next 2Y48.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.67%
Revenue growth 3Y2.75%
Revenue growth 5Y5.45%
Sales Q2Q%13.95%
Revenue Next Year24.42%
Revenue Next 2Y20.75%
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-5.69%
FCF growth 3Y-4.17%
FCF growth 5Y-5.72%
OCF growth 1Y1.46%
OCF growth 3Y-1.98%
OCF growth 5Y-3.8%