PEAPACK GLADSTONE FINL CORP (PGC) Fundamental Analysis & Valuation

NASDAQ:PGC • US7046991078

33.98 USD
+0.3 (+0.89%)
At close: Mar 12, 2026
33.98 USD
0 (0%)
After Hours: 3/12/2026, 4:30:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PGC. PGC was compared to 381 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

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.
  • PGC had positive earnings in 4 of the past 5 years.
  • PGC had a positive operating cash flow in 4 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 20M 40M 60M 80M 100M

1.2 Ratios

  • PGC's Return On Assets of 0.46% is on the low side compared to the rest of the industry. PGC is outperformed by 82.94% of its industry peers.
  • PGC has a Return On Equity of 5.35%. This is in the lower half of the industry: PGC underperforms 76.64% of its industry peers.
Industry RankSector Rank
ROA 0.46%
ROE 5.35%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • The Profit Margin of PGC (12.90%) is worse than 81.63% of its industry peers.
  • In the last couple of years the Profit Margin of PGC has declined.
  • The Operating Margin and Gross Margin are not available for PGC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 12.9%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PGC Yearly Shares OutstandingPGC Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

  • PGC has a debt to FCF ratio of 1.83. This is a very positive value and a sign of high solvency as it would only need 1.83 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.83, PGC is in line with its industry, outperforming 53.02% of the companies in the same industry.
  • A Debt/Equity ratio of 0.16 indicates that PGC is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.16, PGC perfoms like the industry average, outperforming 52.49% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.83
Altman-Z N/A
ROIC/WACCN/A
WACC19.02%
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 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 20M 40M 60M 80M 100M

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

4

3. PGC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 10.27% over the past year.
  • 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.
EPS 1Y (TTM)10.27%
EPS 3Y-20.17%
EPS 5Y3.84%
EPS Q2Q%19.23%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%26.46%

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 52.87% on average per year.
  • PGC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.89% yearly.
EPS Next Y76.59%
EPS Next 2Y52.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.34%
Revenue Next 2Y15.89%
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.
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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6

4. PGC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 16.66, PGC is valued correctly.
  • Based on the Price/Earnings ratio, PGC is valued a bit more expensive than the industry average as 79.53% of the companies are valued more cheaply.
  • PGC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.71.
  • With a Price/Forward Earnings ratio of 9.43, the valuation of PGC can be described as very reasonable.
  • 64.04% of the companies in the same industry are more expensive than PGC, based on the Price/Forward Earnings ratio.
  • PGC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.82.
Industry RankSector Rank
PE 16.66
Fwd PE 9.43
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

  • PGC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PGC is cheaper than 60.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.87
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 52.87% in the coming years.
PEG (NY)0.22
PEG (5Y)4.34
EPS Next 2Y52.87%
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 0.59%, PGC is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.86, PGC's dividend is way lower than its industry peers. On top of this 86.35% of the companies listed in the same industry pay a better dividend than PGC!
  • Compared to an average S&P500 Dividend Yield of 1.82, PGC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.59%

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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.42%
Div Incr Years0
Div Non Decr Years14
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

  • 10.22% of the earnings are spent on dividend by PGC. This is a low number and sustainable payout ratio.
DP10.22%
EPS Next 2Y52.87%
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 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 (3/12/2026, 4:30:01 PM)

After market: 33.98 0 (0%)

33.98

+0.3 (+0.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-16
Earnings (Next)04-20
Inst Owners73.92%
Inst Owner Change-1.53%
Ins Owners9.57%
Ins Owner Change-1.05%
Market Cap596.69M
Revenue(TTM)N/A
Net Income(TTM)34.41M
Analysts82.86
Price Target38.76 (14.07%)
Short Float %3.68%
Short Ratio4.5
Dividend
Industry RankSector Rank
Dividend Yield 0.59%
Yearly Dividend0.2
Dividend Growth(5Y)-0.42%
DP10.22%
Div Incr Years0
Div Non Decr Years14
Ex-Date02-12
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-19.11%
Min EPS beat(2)-26.96%
Max EPS beat(2)-11.26%
EPS beat(4)1
Avg EPS beat(4)-10.08%
Min EPS beat(4)-26.96%
Max EPS beat(4)13.15%
EPS beat(8)4
Avg EPS beat(8)-0.3%
EPS beat(12)5
Avg EPS beat(12)-3.81%
EPS beat(16)7
Avg EPS beat(16)-2.78%
Revenue beat(2)0
Avg Revenue beat(2)-4.36%
Min Revenue beat(2)-5.43%
Max Revenue beat(2)-3.29%
Revenue beat(4)1
Avg Revenue beat(4)-2.43%
Min Revenue beat(4)-5.43%
Max Revenue beat(4)1.18%
Revenue beat(8)3
Avg Revenue beat(8)-1.5%
Revenue beat(12)5
Avg Revenue beat(12)-1.73%
Revenue beat(16)7
Avg Revenue beat(16)-1.45%
PT rev (1m)0%
PT rev (3m)9.75%
EPS NQ rev (1m)2.15%
EPS NQ rev (3m)0.13%
EPS NY rev (1m)0.66%
EPS NY rev (3m)0.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.13%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.85%
Valuation
Industry RankSector Rank
PE 16.66
Fwd PE 9.43
P/S 2.24
P/FCF 10.87
P/OCF 8.44
P/B 0.93
P/tB 1
EV/EBITDA N/A
EPS(TTM)2.04
EY6%
EPS(NY)3.6
Fwd EY10.6%
FCF(TTM)3.13
FCFY9.2%
OCF(TTM)4.03
OCFY11.85%
SpS15.18
BVpS36.59
TBVpS34.08
PEG (NY)0.22
PEG (5Y)4.34
Graham Number40.98
Profitability
Industry RankSector Rank
ROA 0.46%
ROE 5.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.9%
GM N/A
FCFM 20.59%
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
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-18.7%
PM growth 5Y-11.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.83
Debt/EBITDA N/A
Cap/Depr 321.45%
Cap/Sales 5.94%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 159.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC19.02%
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)10.27%
EPS 3Y-20.17%
EPS 5Y3.84%
EPS Q2Q%19.23%
EPS Next Y76.59%
EPS Next 2Y52.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%26.46%
Revenue Next Year19.34%
Revenue Next 2Y15.89%
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-30.52%
FCF growth 3Y-4.17%
FCF growth 5Y-5.72%
OCF growth 1Y-13.87%
OCF growth 3Y-1.98%
OCF growth 5Y-3.8%

PEAPACK GLADSTONE FINL CORP / PGC FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to PGC.


What is the valuation status for PGC stock?

ChartMill assigns a valuation rating of 6 / 10 to PEAPACK GLADSTONE FINL CORP (PGC). This can be considered as Fairly Valued.


How profitable is PEAPACK GLADSTONE FINL CORP (PGC) stock?

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


What is the valuation of PEAPACK GLADSTONE FINL CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for PEAPACK GLADSTONE FINL CORP (PGC) is 16.66 and the Price/Book (PB) ratio is 0.93.


How financially healthy is PEAPACK GLADSTONE FINL CORP?

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