PGC Fundamental Analysis - PEAPACK GLADSTONE FINL CORP

Fundamental Rating

Overall PGC gets a fundamental rating of 4 out of 10. We evaluated PGC against 393 industry peers in the Banks industry. PGC may be in some trouble as it scores bad on both profitability and health. PGC is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year PGC was profitable.

PGC had a positive operating cash flow in the past year.

PGC had positive earnings in each of the past 5 years.

PGC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.45%, PGC is doing worse than 77.10% of the companies in the same industry.

With a Return On Equity value of 5.14%, PGC is not doing good in the industry: 73.79% of the companies in the same industry are doing better.

		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

The Profit Margin of PGC (12.81%) is worse than 78.63% of its industry peers.

In the last couple of years the Profit Margin of PGC has declined.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

2.2 Solvency

PGC has a debt to FCF ratio of 2.28. This is a good value and a sign of high solvency as PGC would need 2.28 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 2.28, PGC is in line with its industry, outperforming 46.31% of the companies in the same industry.

A Debt/Equity ratio of 0.16 indicates that PGC is not too dependend on debt financing.

PGC has a Debt to Equity ratio (0.16) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	2.28
Altman-Z	N/A

ROIC/WACCN/A

WACC20.62%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

The Revenue has grown by 14.90% in the past year. This is quite good.

The Revenue has been growing slightly by 5.45% on average over the past years.

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

PGC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 41.49% yearly.

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 3YN/A

EPS Next 5YN/A

Revenue Next Year24.41%

Revenue Next 2Y21.32%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

PGC is valuated correctly with a Price/Earnings ratio of 15.47.

Based on the Price/Earnings ratio, PGC is valued a bit more expensive than the industry average as 66.92% of the companies are valued more cheaply.

The average S&P500 Price/Earnings ratio is at 27.03. PGC is valued slightly cheaper when compared to this.

Based on the Price/Forward Earnings ratio of 7.64, the valuation of PGC can be described as very cheap.

88.55% 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 22.63.

		Industry Rank	Sector Rank
PE	15.47
Fwd PE	7.64

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as PGC.

		Industry Rank	Sector Rank
P/FCF	11.38
EV/EBITDA	N/A

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.

PGC's earnings are expected to grow with 41.49% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.69

PEG (5Y)N/A

EPS Next 2Y41.49%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

PGC has a yearly dividend return of 0.74%, which is pretty low.

With a Dividend Yield of 0.74, PGC pays less dividend than the industry average, which is at 3.30. 83.97% of the companies listed in the same industry pay a better dividend than PGC!

Compared to an average S&P500 Dividend Yield of 2.34, PGC's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.74%

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

10.89% of the earnings are spent on dividend by PGC. This is a low number and sustainable payout ratio.

DP10.89%

EPS Next 2Y41.49%

EPS Next 3YN/A

More info and screens

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PEAPACK GLADSTONE FINL CORP

NASDAQ:PGC (8/26/2025, 10:46:40 AM)

28.31

+0.31 (+1.11%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-21 2025-07-21/amc

Earnings (Next)10-20 2025-10-20/amc

Inst Owners76.84%

Inst Owner Change-2.16%

Ins Owners10.04%

Ins Owner Change-3.99%

Market Cap499.67M

Analysts85

Price Target34.94 (23.42%)

Short Float %3.87%

Short Ratio6.17

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.74%

Yearly Dividend0.2

Dividend Growth(5Y)-0.42%

DP10.89%

Div Incr Years0

Div Non Decr Years14

Ex-Date08-07 2025-08-07 (0.05)

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)-3.52%

PT rev (3m)-4.86%

EPS NQ rev (1m)-1.7%

EPS NQ rev (3m)-16.05%

EPS NY rev (1m)-12.2%

EPS NY rev (3m)-12.28%

Revenue NQ rev (1m)0.56%

Revenue NQ rev (3m)1.68%

Revenue NY rev (1m)-0.01%

Revenue NY rev (3m)-0.01%

Valuation

		Industry Rank	Sector Rank
PE	15.47
Fwd PE	7.64
P/S	1.98
P/FCF	11.38
P/OCF	8.44
P/B	0.79
P/tB	0.85
EV/EBITDA	N/A

EPS(TTM)1.83

EY6.46%

EPS(NY)3.7

Fwd EY13.08%

FCF(TTM)2.49

FCFY8.78%

OCF(TTM)3.35

OCFY11.85%

SpS14.31

BVpS35.68

TBVpS33.17

PEG (NY)0.69

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

WACC20.62%

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 3YN/A

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%

PEAPACK GLADSTONE FINL CORP (PGC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens