PEAPACK GLADSTONE FINL CORP (PGC) Stock Fundamental Analysis
USA - NASDAQ:PGC - US7046991078 - Common Stock
27.02 USD
-0.34 (-1.24%)
27.02 USD
0 (0%)
PGC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. Both the profitability and financial health of PGC have multiple concerns. PGC has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
PGC had positive earnings in the past year.
PGC had a positive operating cash flow in the past year.
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.
1.2 Ratios
With a Return On Assets value of 0.45%, PGC is not doing good in the industry: 79.23% of the companies in the same industry are doing better.
PGC has a Return On Equity of 5.14%. This is in the lower half of the industry: PGC underperforms 75.64% of its industry peers.
| 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
PGC has a Profit Margin of 12.81%. This is in the lower half of the industry: PGC underperforms 78.72% 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) | 12.81% | ||
| 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
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
Compared to 1 year ago, PGC has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of PGC is 2.28, which is a good value as it means it would take PGC, 2.28 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of PGC (2.28) is comparable to the rest of the industry.
PGC has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.16, PGC is in line with its industry, outperforming 54.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 2.28 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.73%
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 by -2.14% 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.
Looking at the last year, PGC shows a quite strong growth in Revenue. The Revenue has grown by 14.90% in the last year.
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
Based on estimates for the next years, PGC will show a very strong growth in Earnings Per Share. The EPS will grow by 34.82% on average per year.
PGC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.32% yearly.
EPS Next Y17.11%
EPS Next 2Y40.45%
EPS Next 3Y34.82%
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.
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
A Price/Earnings ratio of 14.77 indicates a correct valuation of PGC.
68.72% 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 27.08, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 7.40, the valuation of PGC can be described as very cheap.
86.92% of the companies in the same industry are more expensive than PGC, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.09, PGC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.77 | ||
| Fwd PE | 7.4 |
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 | 10.86 | ||
| 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.
A more expensive valuation may be justified as PGC's earnings are expected to grow with 34.82% in the coming years.
PEG (NY)0.86
PEG (5Y)N/A
EPS Next 2Y40.45%
EPS Next 3Y34.82%
5. Dividend
5.1 Amount
PGC has a yearly dividend return of 0.73%, which is pretty low.
Compared to an average industry Dividend Yield of 3.50, PGC's dividend is way lower than its industry peers. On top of this 83.85% of the companies listed in the same industry pay a better dividend than PGC!
With a Dividend Yield of 0.73, PGC pays less dividend than the S&P500 average, which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.73% |
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
PGC pays out 10.89% of its income as dividend. This is a sustainable payout ratio.
DP10.89%
EPS Next 2Y40.45%
EPS Next 3Y34.82%
27.02
-0.34 (-1.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners76.22%
Inst Owner Change0.78%
Ins Owners10.08%
Ins Owner Change-0.19%
Market Cap476.90M
Revenue(TTM)252.56M
Net Income(TTM)32.36M
Analysts85
Price Target36.21 (34.01%)
Short Float %3.98%
Short Ratio5.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.73% |
Yearly Dividend0.2
Dividend Growth(5Y)-0.42%
DP10.89%
Div Incr Years0
Div Non Decr Years14
Ex-Date
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.49%
EPS NY rev (1m)0%
EPS NY rev (3m)-16.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.56%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.77 | ||
| Fwd PE | 7.4 | ||
| P/S | 1.89 | ||
| P/FCF | 10.86 | ||
| P/OCF | 8.05 | ||
| P/B | 0.76 | ||
| P/tB | 0.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.83
EY6.77%
EPS(NY)3.65
Fwd EY13.51%
FCF(TTM)2.49
FCFY9.2%
OCF(TTM)3.35
OCFY12.42%
SpS14.31
BVpS35.68
TBVpS33.17
PEG (NY)0.86
PEG (5Y)N/A
Graham Number38.33
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
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 | 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
WACC20.73%
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 Y17.11%
EPS Next 2Y40.45%
EPS Next 3Y34.82%
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 FAQ
Can you provide the ChartMill fundamental rating for PEAPACK GLADSTONE FINL CORP?
ChartMill assigns a fundamental rating of 4 / 10 to PGC.
Can you provide the valuation status for PEAPACK GLADSTONE FINL CORP?
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 earnings growth outlook for PEAPACK GLADSTONE FINL CORP?
The Earnings per Share (EPS) of PEAPACK GLADSTONE FINL CORP (PGC) is expected to grow by 17.11% in the next year.
How sustainable is the dividend of PEAPACK GLADSTONE FINL CORP (PGC) stock?
The dividend rating of PEAPACK GLADSTONE FINL CORP (PGC) is 4 / 10 and the dividend payout ratio is 10.89%.