PEAPACK GLADSTONE FINL CORP (PGC) Stock Fundamental Analysis
NASDAQ:PGC - Nasdaq - US7046991078 - Common Stock - Currency: USD
Taking everything into account, PGC scores 4 out of 10 in our fundamental rating. PGC was compared to 398 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.
1. Profitability
1.1 Basic Checks
In the past year PGC was profitable.
PGC had a positive operating cash flow in the past year.
In the past 5 years PGC has always been profitable.
PGC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.47%, PGC is not doing good in the industry: 75.38% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 5.44%, PGC is doing worse than 71.86% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
With a Profit Margin value of 14.46%, PGC is not doing good in the industry: 75.63% of the companies in the same industry are doing better.
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 Rank | Sector 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
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.
Compared to 5 years ago, PGC has less shares outstanding
PGC has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of PGC is 2.14, which is a good value as it means it would take PGC, 2.14 years of fcf income to pay off all of its debts.
PGC has a Debt to FCF ratio (2.14) which is comparable to the rest of the industry.
PGC has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
PGC's Debt to Equity ratio of 0.22 is in line compared to the rest of the industry. PGC outperforms 44.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.14 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.09%
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 strongly by -31.73% in the last year.
PGC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.39% yearly.
The Revenue has decreased by -0.67% in the past year.
The Revenue has been growing slightly by 5.45% on average over the past years.
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
Based on estimates for the next years, PGC will show a very strong growth in Earnings Per Share. The EPS will grow by 48.52% on average per year.
PGC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.77% yearly.
EPS Next Y45.08%
EPS Next 2Y48.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year22.13%
Revenue Next 2Y18.77%
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
Based on the Price/Earnings ratio of 13.91, the valuation of PGC can be described as correct.
PGC's Price/Earnings ratio is a bit more expensive when compared to the industry. PGC is more expensive than 67.84% of the companies in the same industry.
When comparing the Price/Earnings ratio of PGC to the average of the S&P500 Index (28.29), we can say PGC is valued rather cheaply.
PGC is valuated reasonably with a Price/Forward Earnings ratio of 9.59.
The rest of the industry has a similar Price/Forward Earnings ratio as PGC.
When comparing the Price/Forward Earnings ratio of PGC to the average of the S&P500 Index (21.32), we can say PGC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.91 | ||
| Fwd PE | 9.59 |
4.2 Price Multiples
80.65% of the companies in the same industry are more expensive than PGC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.19 | ||
| 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.
PGC's earnings are expected to grow with 48.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y48.52%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PGC has a yearly dividend return of 0.77%, which is pretty low.
Compared to an average industry Dividend Yield of 3.66, PGC's dividend is way lower than its industry peers. On top of this 85.43% of the companies listed in the same industry pay a better dividend than PGC!
Compared to an average S&P500 Dividend Yield of 2.51, PGC's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.77% |
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
5.3 Sustainability
10.70% of the earnings are spent on dividend by PGC. This is a low number and sustainable payout ratio.
DP10.7%
EPS Next 2Y48.52%
EPS Next 3YN/A
NASDAQ:PGC (4/21/2025, 2:13:52 PM)
25.73
-0.36 (-1.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.04%
Inst Owner Change-0.59%
Ins Owners10.09%
Ins Owner Change-6.43%
Market Cap452.85M
Analysts82.86
Price Target37.4 (45.36%)
Short Float %3.36%
Short Ratio6.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.77% |
Yearly Dividend0.2
Dividend Growth(5Y)-0.42%
DP10.7%
Div Incr Years0
Div Non Decr Years14
Ex-Date
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)-3.51%
PT rev (3m)-5.17%
EPS NQ rev (1m)-3.12%
EPS NQ rev (3m)-5.22%
EPS NY rev (1m)-2.88%
EPS NY rev (3m)-4.76%
Revenue NQ rev (1m)-0.37%
Revenue NQ rev (3m)1.47%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)1.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.91 | ||
| Fwd PE | 9.59 | ||
| P/S | 1.99 | ||
| P/FCF | 7.19 | ||
| P/OCF | 6.37 | ||
| P/B | 0.75 | ||
| P/tB | 0.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.85
EY7.19%
EPS(NY)2.68
Fwd EY10.43%
FCF(TTM)3.58
FCFY13.91%
OCF(TTM)4.04
OCFY15.7%
SpS12.96
BVpS34.42
TBVpS31.87
PEG (NY)0.31
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC21.09%
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 Year22.13%
Revenue Next 2Y18.77%
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%