28.32 USD
-0.24 (-0.84%)
28.32 USD
0 (0%)
PGC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 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.
In the past 5 years PGC has always been profitable.
In the past 5 years PGC always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.46%, PGC is not doing good in the industry: 80.68% 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 74.93% 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
PGC has a worse Profit Margin (12.90%) than 80.68% 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.
Compared to 1 year ago, PGC has an improved debt to assets ratio.
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 has a Debt to FCF ratio (1.83) which is in line with its industry peers.
A Debt/Equity ratio of 0.16 indicates that PGC is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.16, PGC perfoms like the industry average, outperforming 53.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.83 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.36%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 7.18% over the past 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 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
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 14.60, the valuation of PGC can be described as correct.
64.49% of the companies in the same industry are cheaper than PGC, based on the Price/Earnings ratio.
PGC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.25.
With a Price/Forward Earnings ratio of 8.19, the valuation of PGC can be described as very reasonable.
86.68% of the companies in the same industry are more expensive than PGC, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of PGC to the average of the S&P500 Index (23.98), we can say PGC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.6 | ||
| Fwd PE | 8.19 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PGC indicates a somewhat cheap valuation: PGC is cheaper than 72.06% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.06 | ||
| EV/EBITDA | N/A |
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 35.43% in the coming years.
PEG (NY)1.27
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.
With a Dividend Yield of 0.70, PGC pays less dividend than the industry average, which is at 2.90. 83.55% of the companies listed in the same industry pay a better dividend than PGC!
With a Dividend Yield of 0.70, PGC pays less dividend than the S&P500 average, which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.7% |
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
PGC pays out 10.22% of its income as dividend. This is a sustainable payout ratio.
DP10.22%
EPS Next 2Y36.74%
EPS Next 3Y35.43%
28.32
-0.24 (-0.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners75.32%
Inst Owner Change0.13%
Ins Owners9.56%
Ins Owner Change-0.19%
Market Cap497.30M
Revenue(TTM)266.63M
Net Income(TTM)34.41M
Analysts85
Price Target36.34 (28.32%)
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)0%
EPS NQ rev (3m)-5.95%
EPS NY rev (1m)0%
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 | 14.6 | ||
| Fwd PE | 8.19 | ||
| P/S | 1.87 | ||
| P/FCF | 9.06 | ||
| P/OCF | 7.03 | ||
| P/B | 0.77 | ||
| P/tB | 0.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.94
EY6.85%
EPS(NY)3.46
Fwd EY12.21%
FCF(TTM)3.13
FCFY11.04%
OCF(TTM)4.03
OCFY14.22%
SpS15.18
BVpS36.59
TBVpS34.08
PEG (NY)1.27
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
WACC20.36%
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 14.6 and the Price/Book (PB) ratio is 0.77.
How financially healthy is PEAPACK GLADSTONE FINL CORP?
The financial health rating of PEAPACK GLADSTONE FINL CORP (PGC) is 3 / 10.