PEAPACK GLADSTONE FINL CORP (PGC) Stock Fundamental Analysis
USA - NASDAQ:PGC - US7046991078 - Common Stock
29.06 USD
-0.88 (-2.94%)
29.06 USD
0 (0%)
PGC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. PGC has a bad profitability rating. Also its financial health evaluation is rather negative. PGC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year PGC was profitable.
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.
1.2 Ratios
PGC has a Return On Assets of 0.45%. This is in the lower half of the industry: PGC underperforms 77.30% of its industry peers.
PGC has a Return On Equity of 5.14%. This is in the lower half of the industry: PGC underperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 5.14% | ||
| 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
1.3 Margins
PGC has a worse Profit Margin (12.81%) than 78.06% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.81% | ||
| 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
2. Health
2.1 Basic Checks
PGC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PGC has been reduced compared to 1 year ago.
The number of shares outstanding for PGC has been reduced compared to 5 years ago.
Compared to 1 year ago, PGC has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of PGC is 2.28, which is a good value as it means it would take PGC, 2.28 years of fcf income to pay off all of its debts.
PGC has a Debt to FCF ratio (2.28) which is in line with its industry peers.
A Debt/Equity ratio of 0.16 indicates that PGC is not too dependend on debt financing.
PGC's Debt to Equity ratio of 0.16 is in line compared to the rest of the industry. PGC outperforms 54.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 2.28 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for PGC have decreased by -2.14% in the last year.
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.
Looking at the last year, PGC shows a quite strong growth in Revenue. The Revenue has grown by 14.90% in the last year.
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)-2.14%
EPS 3Y-15.9%
EPS 5Y-5.39%
EPS Q2Q%7.14%
Revenue 1Y (TTM)14.9%
Revenue growth 3Y2.75%
Revenue growth 5Y5.45%
Sales Q2Q%17.75%
3.2 Future
Based on estimates for the next years, PGC will show a very strong growth in Earnings Per Share. The EPS will grow by 31.13% on average per year.
PGC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.32% yearly.
EPS Next Y22.47%
EPS Next 2Y41.49%
EPS Next 3Y31.13%
EPS Next 5YN/A
Revenue Next Year24.41%
Revenue Next 2Y21.32%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 15.88 indicates a correct valuation of PGC.
Based on the Price/Earnings ratio, PGC is valued a bit more expensive than the industry average as 69.39% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.38, PGC is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 7.85, the valuation of PGC can be described as very cheap.
Based on the Price/Forward Earnings ratio, PGC is valued cheaply inside the industry as 86.99% of the companies are valued more expensively.
PGC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.88 | ||
| Fwd PE | 7.85 |
4.2 Price Multiples
PGC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.68 | ||
| EV/EBITDA | N/A |
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 31.13% in the coming years.
PEG (NY)0.71
PEG (5Y)N/A
EPS Next 2Y41.49%
EPS Next 3Y31.13%
5. Dividend
5.1 Amount
With a yearly dividend of 0.67%, PGC is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.54, PGC's dividend is way lower than its industry peers. On top of this 85.20% of the companies listed in the same industry pay a better dividend than PGC!
With a Dividend Yield of 0.67, PGC pays less dividend than the S&P500 average, which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.67% |
5.2 History
The dividend of PGC decreases each year by -0.42%.
PGC has been paying a dividend for at least 10 years, so it has 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
5.3 Sustainability
PGC pays out 10.89% of its income as dividend. This is a sustainable payout ratio.
DP10.89%
EPS Next 2Y41.49%
EPS Next 3Y31.13%
29.06
-0.88 (-2.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners76.84%
Inst Owner Change-2.16%
Ins Owners10.04%
Ins Owner Change0.03%
Market Cap512.91M
Analysts85
Price Target36.21 (24.6%)
Short Float %3.91%
Short Ratio5.55
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.67% |
Yearly Dividend0.2
Dividend Growth(5Y)-0.42%
DP10.89%
Div Incr Years0
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-21.1%
Min EPS beat(2)-26.96%
Max EPS beat(2)-15.25%
EPS beat(4)2
Avg EPS beat(4)-3.75%
Min EPS beat(4)-26.96%
Max EPS beat(4)14.04%
EPS beat(8)4
Avg EPS beat(8)-1.37%
EPS beat(12)5
Avg EPS beat(12)-2.94%
EPS beat(16)8
Avg EPS beat(16)-1.58%
Revenue beat(2)0
Avg Revenue beat(2)-3.8%
Min Revenue beat(2)-5.43%
Max Revenue beat(2)-2.16%
Revenue beat(4)2
Avg Revenue beat(4)-1.51%
Min Revenue beat(4)-5.43%
Max Revenue beat(4)1.18%
Revenue beat(8)4
Avg Revenue beat(8)-0.91%
Revenue beat(12)5
Avg Revenue beat(12)-1.6%
Revenue beat(16)7
Avg Revenue beat(16)-1.26%
PT rev (1m)3.65%
PT rev (3m)-1.39%
EPS NQ rev (1m)-3.86%
EPS NQ rev (3m)-14.93%
EPS NY rev (1m)0%
EPS NY rev (3m)-12.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.88 | ||
| Fwd PE | 7.85 | ||
| P/S | 2.03 | ||
| P/FCF | 11.68 | ||
| P/OCF | 8.66 | ||
| P/B | 0.81 | ||
| P/tB | 0.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.83
EY6.3%
EPS(NY)3.7
Fwd EY12.74%
FCF(TTM)2.49
FCFY8.56%
OCF(TTM)3.35
OCFY11.54%
SpS14.31
BVpS35.68
TBVpS33.17
PEG (NY)0.71
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 5.14% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.81% | ||
| GM | N/A | ||
| FCFM | 17.38% |
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 2.28 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 326.45% | ||
| Cap/Sales | 6.06% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 135.63% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC20.41%
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)-2.14%
EPS 3Y-15.9%
EPS 5Y-5.39%
EPS Q2Q%7.14%
EPS Next Y22.47%
EPS Next 2Y41.49%
EPS Next 3Y31.13%
EPS Next 5YN/A
Revenue 1Y (TTM)14.9%
Revenue growth 3Y2.75%
Revenue growth 5Y5.45%
Sales Q2Q%17.75%
Revenue Next Year24.41%
Revenue Next 2Y21.32%
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-50.62%
FCF growth 3Y-4.17%
FCF growth 5Y-5.72%
OCF growth 1Y-36.13%
OCF growth 3Y-1.98%
OCF growth 5Y-3.8%