PEAPACK GLADSTONE FINL CORP (PGC) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:PGC • US7046991078

35.23 USD
+0.72 (+2.09%)
At close: Feb 6, 2026
35.23 USD
0 (0%)
After Hours: 2/6/2026, 8:00:17 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

PGC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. PGC has a bad profitability rating. Also its financial health evaluation is rather negative. PGC has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year PGC was profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

  • The Return On Assets of PGC (0.46%) is worse than 80.73% of its industry peers.
  • Looking at the Return On Equity, with a value of 5.35%, PGC is doing worse than 74.74% of the companies in the same industry.
Industry RankSector 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
PGC Yearly ROA, ROE, ROICPGC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • PGC has a Profit Margin of 12.90%. This is amonst the worse of the industry: PGC underperforms 80.73% 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 RankSector 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
PGC Yearly Profit, Operating, Gross MarginsPGC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • The debt/assets ratio for PGC has been reduced compared to a year ago.
PGC Yearly Shares OutstandingPGC Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

  • PGC has a debt to FCF ratio of 1.83. This is a very positive value and a sign of high solvency as it would only need 1.83 years to pay back of 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 49.74% of its industry peers.
  • A Debt/Equity ratio of 0.16 indicates that PGC is not too dependend on debt financing.
  • PGC's Debt to Equity ratio of 0.16 is in line compared to the rest of the industry. PGC outperforms 53.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.83
Altman-Z N/A
ROIC/WACCN/A
WACC18.77%
PGC Yearly LT Debt VS Equity VS FCFPGC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.18% over the past 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 grown by 20.89% in the past year. This is a very strong growth!
  • PGC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.45% yearly.
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

  • The Earnings Per Share is expected to grow by 36.29% on average over the next years. This is a very strong growth
  • PGC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.78% yearly.
EPS Next Y10.83%
EPS Next 2Y38.56%
EPS Next 3Y36.29%
EPS Next 5YN/A
Revenue Next Year24.77%
Revenue Next 2Y22.03%
Revenue Next 3Y18.78%
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.
PGC Yearly Revenue VS EstimatesPGC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
PGC Yearly EPS VS EstimatesPGC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 18.16 indicates a rather expensive valuation of PGC.
  • Based on the Price/Earnings ratio, PGC is valued a bit more expensive than 78.39% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of PGC to the average of the S&P500 Index (27.93), we can say PGC is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 9.92, which indicates a very decent valuation of PGC.
  • Based on the Price/Forward Earnings ratio, PGC is valued a bit cheaper than the industry average as 72.66% of the companies are valued more expensively.
  • PGC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.77.
Industry RankSector Rank
PE 18.16
Fwd PE 9.92
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

  • Based on the Price/Free Cash Flow ratio, PGC is valued a bit cheaper than the industry average as 64.32% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 11.27
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as PGC's earnings are expected to grow with 36.29% in the coming years.
PEG (NY)1.68
PEG (5Y)N/A
EPS Next 2Y38.56%
EPS Next 3Y36.29%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.58%, PGC is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.58, PGC pays less dividend than the industry average, which is at 2.53. 84.90% of the companies listed in the same industry pay a better dividend than PGC!
  • Compared to an average S&P500 Dividend Yield of 1.81, PGC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.58%

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 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
PGC Yearly Dividends per sharePGC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15

5.3 Sustainability

  • PGC pays out 10.22% of its income as dividend. This is a sustainable payout ratio.
DP10.22%
EPS Next 2Y38.56%
EPS Next 3Y36.29%
PGC Yearly Income VS Free CF VS DividendPGC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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

More info and screens

Find the best dividend stocksShow peers with best dividend

PEAPACK GLADSTONE FINL CORP

NASDAQ:PGC (2/6/2026, 8:00:17 PM)

After market: 35.23 0 (0%)

35.23

+0.72 (+2.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners75.32%
Inst Owner Change-0.27%
Ins Owners9.56%
Ins Owner Change-0.54%
Market Cap618.64M
Revenue(TTM)266.63M
Net Income(TTM)34.41M
Analysts85
Price Target38.76 (10.02%)
Short Float %2.59%
Short Ratio3.3
Dividend
Industry RankSector Rank
Dividend Yield 0.58%
Yearly Dividend0.2
Dividend Growth(5Y)-0.42%
DP10.22%
Div Incr Years0
Div Non Decr Years14
Ex-Date02-12
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)6.67%
PT rev (3m)7.04%
EPS NQ rev (1m)-1.98%
EPS NQ rev (3m)-7.12%
EPS NY rev (1m)-0.61%
EPS NY rev (3m)-3.79%
Revenue NQ rev (1m)6.13%
Revenue NQ rev (3m)6.13%
Revenue NY rev (1m)1.85%
Revenue NY rev (3m)1.85%
Valuation
Industry RankSector Rank
PE 18.16
Fwd PE 9.92
P/S 2.32
P/FCF 11.27
P/OCF 8.75
P/B 0.96
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)1.94
EY5.51%
EPS(NY)3.55
Fwd EY10.08%
FCF(TTM)3.13
FCFY8.87%
OCF(TTM)4.03
OCFY11.43%
SpS15.18
BVpS36.59
TBVpS34.08
PEG (NY)1.68
PEG (5Y)N/A
Graham Number39.97
Profitability
Industry RankSector 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 RankSector 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
WACC18.77%
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 Y10.83%
EPS Next 2Y38.56%
EPS Next 3Y36.29%
EPS Next 5YN/A
Revenue 1Y (TTM)20.89%
Revenue growth 3Y2.75%
Revenue growth 5Y5.45%
Sales Q2Q%24.86%
Revenue Next Year24.77%
Revenue Next 2Y22.03%
Revenue Next 3Y18.78%
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 18.16 and the Price/Book (PB) ratio is 0.96.


How financially healthy is PEAPACK GLADSTONE FINL CORP?

The financial health rating of PEAPACK GLADSTONE FINL CORP (PGC) is 3 / 10.