27.85 USD
-0.4 (-1.42%)
27.85 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to PGC. PGC was compared to 388 industry peers in the Banks industry. PGC may be in some trouble as it scores bad on both profitability and health. PGC has a decent growth rate and is not valued too expensively.
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
With a Return On Assets value of 0.46%, PGC is not doing good in the industry: 80.67% of the companies in the same industry are doing better.
PGC's Return On Equity of 5.35% is on the low side compared to the rest of the industry. PGC is outperformed by 75.00% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of PGC (12.90%) is worse than 80.93% 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 Rank | Sector 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
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.
The debt/assets ratio for PGC has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of PGC is 1.83, which is an excellent value as it means it would take PGC, only 1.83 years of fcf income to pay off all of its debts.
PGC's Debt to FCF ratio of 1.83 is in line compared to the rest of the industry. PGC outperforms 49.48% 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 in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.83 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.56%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PGC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.18%.
The Earnings Per Share has been decreasing by -5.39% on average over the past years.
The Revenue has grown by 20.89% in the past year. This is a very strong growth!
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)7.18%
EPS 3Y-15.9%
EPS 5Y-5.39%
EPS Q2Q%25.58%
Revenue 1Y (TTM)20.89%
Revenue growth 3Y2.75%
Revenue growth 5Y5.45%
Sales Q2Q%24.86%
3.2 Future
PGC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.43% yearly.
PGC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.18% yearly.
EPS Next Y11.51%
EPS Next 2Y36.74%
EPS Next 3Y35.43%
EPS Next 5YN/A
Revenue Next Year22.51%
Revenue Next 2Y19.51%
Revenue Next 3Y18.18%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.36, the valuation of PGC can be described as correct.
65.98% of the companies in the same industry are cheaper than PGC, based on the Price/Earnings ratio.
PGC is valuated rather cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.05, the valuation of PGC can be described as reasonable.
PGC's Price/Forward Earnings ratio is rather cheap when compared to the industry. PGC is cheaper than 85.31% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, PGC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.36 | ||
| Fwd PE | 8.05 |
4.2 Price Multiples
PGC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PGC is cheaper than 72.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.91 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PGC's earnings are expected to grow with 35.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.25
PEG (5Y)N/A
EPS Next 2Y36.74%
EPS Next 3Y35.43%
5. Dividend
5.1 Amount
PGC has a yearly dividend return of 0.70%, which is pretty low.
Compared to an average industry Dividend Yield of 2.74, PGC's dividend is way lower than its industry peers. On top of this 84.54% of the companies listed in the same industry pay a better dividend than PGC!
Compared to an average S&P500 Dividend Yield of 2.00, PGC's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.7% |
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
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 2Y36.74%
EPS Next 3Y35.43%
27.85
-0.4 (-1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners75.29%
Inst Owner Change-1.58%
Ins Owners10.13%
Ins Owner Change-0.19%
Market Cap489.05M
Revenue(TTM)266.63M
Net Income(TTM)34.41M
Analysts85
Price Target36.34 (30.48%)
Short Float %3.2%
Short Ratio3.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.7% |
Yearly Dividend0.2
Dividend Growth(5Y)-0.42%
DP10.22%
Div Incr Years0
Div Non Decr Years14
Ex-DateN/A
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)2.89%
PT rev (3m)0.35%
EPS NQ rev (1m)-4.89%
EPS NQ rev (3m)-5.95%
EPS NY rev (1m)-3.2%
EPS NY rev (3m)-4.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.65%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.36 | ||
| Fwd PE | 8.05 | ||
| P/S | 1.83 | ||
| P/FCF | 8.91 | ||
| P/OCF | 6.92 | ||
| P/B | 0.76 | ||
| P/tB | 0.82 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.94
EY6.97%
EPS(NY)3.46
Fwd EY12.42%
FCF(TTM)3.13
FCFY11.22%
OCF(TTM)4.03
OCFY14.46%
SpS15.18
BVpS36.59
TBVpS34.08
PEG (NY)1.25
PEG (5Y)N/A
Graham Number39.97
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC20.56%
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)7.18%
EPS 3Y-15.9%
EPS 5Y-5.39%
EPS Q2Q%25.58%
EPS Next Y11.51%
EPS Next 2Y36.74%
EPS Next 3Y35.43%
EPS Next 5YN/A
Revenue 1Y (TTM)20.89%
Revenue growth 3Y2.75%
Revenue growth 5Y5.45%
Sales Q2Q%24.86%
Revenue Next Year22.51%
Revenue Next 2Y19.51%
Revenue Next 3Y18.18%
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 4 / 10 to PGC.
What is the valuation status for PGC stock?
ChartMill assigns a valuation rating of 5 / 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 14.36 and the Price/Book (PB) ratio is 0.76.
How financially healthy is PEAPACK GLADSTONE FINL CORP?
The financial health rating of PEAPACK GLADSTONE FINL CORP (PGC) is 3 / 10.