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PEAPACK GLADSTONE FINL CORP (PGC) Stock Fundamental Analysis

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

27.29  -0.13 (-0.47%)

After market: 27.29 0 (0%)

Fundamental Rating

4

Overall PGC gets a fundamental rating of 4 out of 10. We evaluated PGC against 396 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.
PGC had positive earnings in each of the past 5 years.
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

With a Return On Assets value of 0.45%, PGC is not doing good in the industry: 78.28% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 5.14%, PGC is doing worse than 76.26% of the companies in the same industry.
Industry RankSector 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
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

Looking at the Profit Margin, with a value of 13.35%, PGC is doing worse than 80.30% of the companies in the same industry.
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) 13.35%
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.
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.
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 2.99. This is a good value and a sign of high solvency as PGC would need 2.99 years to pay back of all of its debts.
PGC's Debt to FCF ratio of 2.99 is on the low side compared to the rest of the industry. PGC is outperformed by 63.64% of its industry peers.
PGC has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
PGC has a Debt to Equity ratio (0.16) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 2.99
Altman-Z N/A
ROIC/WACCN/A
WACC20.74%
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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6

3. Growth

3.1 Past

PGC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.43%.
PGC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.39% yearly.
Looking at the last year, PGC shows a quite strong growth in Revenue. The Revenue has grown by 8.47% in the last year.
PGC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.45% yearly.
EPS 1Y (TTM)-17.43%
EPS 3Y-15.9%
EPS 5Y-5.39%
EPS Q2Q%-10.42%
Revenue 1Y (TTM)8.47%
Revenue growth 3Y2.75%
Revenue growth 5Y5.45%
Sales Q2Q%18.84%

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 45.45% on average per year.
The Revenue is expected to grow by 20.75% on average over the next years. This is a very strong growth
EPS Next Y39.63%
EPS Next 2Y45.45%
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.
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 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

The Price/Earnings ratio is 15.16, which indicates a correct valuation of PGC.
Based on the Price/Earnings ratio, PGC is valued a bit more expensive than the industry average as 71.46% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.29, PGC is valued a bit cheaper.
The Price/Forward Earnings ratio is 6.97, which indicates a rather cheap valuation of PGC.
Based on the Price/Forward Earnings ratio, PGC is valued cheaply inside the industry as 88.13% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.17, PGC is valued rather cheaply.
Industry RankSector Rank
PE 15.16
Fwd PE 6.97
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.44
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

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 45.45% in the coming years.
PEG (NY)0.38
PEG (5Y)N/A
EPS Next 2Y45.45%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a yearly dividend of 0.72%, PGC is not a good candidate for dividend investing.
With a Dividend Yield of 0.72, PGC pays less dividend than the industry average, which is at 3.46. 85.10% of the companies listed in the same industry pay a better dividend than PGC!
Compared to an average S&P500 Dividend Yield of 2.38, PGC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.72%

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 11.03% of its income as dividend. This is a sustainable payout ratio.
DP11.03%
EPS Next 2Y45.45%
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 (6/2/2025, 5:20:00 PM)

After market: 27.29 0 (0%)

27.29

-0.13 (-0.47%)

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-3.59%
Ins Owners10.09%
Ins Owner Change-5.88%
Market Cap484.12M
Analysts85
Price Target36.72 (34.55%)
Short Float %3.72%
Short Ratio5.55
Dividend
Industry RankSector Rank
Dividend Yield 0.72%
Yearly Dividend0.2
Dividend Growth(5Y)-0.42%
DP11.03%
Div Incr Years0
Div Non Decr Years14
Ex-Date05-08 2025-05-08 (0.05)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.05%
Min EPS beat(2)-15.25%
Max EPS beat(2)13.15%
EPS beat(4)3
Avg EPS beat(4)8.97%
Min EPS beat(4)-15.25%
Max EPS beat(4)23.95%
EPS beat(8)4
Avg EPS beat(8)-0.29%
EPS beat(12)6
Avg EPS beat(12)0.32%
EPS beat(16)9
Avg EPS beat(16)1.05%
Revenue beat(2)1
Avg Revenue beat(2)-0.49%
Min Revenue beat(2)-2.16%
Max Revenue beat(2)1.18%
Revenue beat(4)3
Avg Revenue beat(4)0.84%
Min Revenue beat(4)-2.16%
Max Revenue beat(4)3.98%
Revenue beat(8)4
Avg Revenue beat(8)-1.12%
Revenue beat(12)6
Avg Revenue beat(12)-1.1%
Revenue beat(16)8
Avg Revenue beat(16)-0.7%
PT rev (1m)-2.04%
PT rev (3m)-5.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.77%
EPS NY rev (1m)-3.76%
EPS NY rev (3m)-6.52%
Revenue NQ rev (1m)1.37%
Revenue NQ rev (3m)3.53%
Revenue NY rev (1m)2.11%
Revenue NY rev (3m)1.89%
Valuation
Industry RankSector Rank
PE 15.16
Fwd PE 6.97
P/S 2.02
P/FCF 14.44
P/OCF 10.97
P/B 0.78
P/tB 0.84
EV/EBITDA N/A
EPS(TTM)1.8
EY6.6%
EPS(NY)3.91
Fwd EY14.34%
FCF(TTM)1.89
FCFY6.93%
OCF(TTM)2.49
OCFY9.11%
SpS13.5
BVpS35.05
TBVpS32.54
PEG (NY)0.38
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.45%
ROE 5.14%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.35%
GM N/A
FCFM 14%
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 2.99
Debt/EBITDA N/A
Cap/Depr 232.95%
Cap/Sales 4.42%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 104.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC20.74%
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)-17.43%
EPS 3Y-15.9%
EPS 5Y-5.39%
EPS Q2Q%-10.42%
EPS Next Y39.63%
EPS Next 2Y45.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.47%
Revenue growth 3Y2.75%
Revenue growth 5Y5.45%
Sales Q2Q%18.84%
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-72.85%
FCF growth 3Y-4.17%
FCF growth 5Y-5.72%
OCF growth 1Y-65.26%
OCF growth 3Y-1.98%
OCF growth 5Y-3.8%