27.9 USD
-0.06 (-0.21%)
27.9 USD
0 (0%)
PGC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 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.
1. Profitability
1.1 Basic Checks
PGC had positive earnings in the past year.
In the past year PGC had a positive cash flow from operations.
In the past 5 years PGC has always been profitable.
PGC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of PGC (0.46%) is worse than 81.14% of its industry peers.
Looking at the Return On Equity, with a value of 5.35%, PGC is doing worse than 75.71% of the companies in the same industry.
| 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 81.14% of its industry peers.
PGC's Profit Margin has declined in the last couple of years.
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) | 12.9% | ||
| 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.
Compared to 5 years ago, PGC has less shares outstanding
PGC has a better debt/assets ratio than last year.
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 has a Debt to FCF ratio (1.83) which is in line with 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.
Looking at the Debt to Equity ratio, with a value of 0.16, PGC is in line with its industry, outperforming 52.71% 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
WACC20.55%
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.
Looking at the last year, PGC shows a very strong growth in Revenue. The Revenue has grown by 20.89%.
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
Based on estimates for the next years, PGC will show a very strong growth in Earnings Per Share. The EPS will grow by 35.43% on average per year.
Based on estimates for the next years, PGC will show a quite strong growth in Revenue. The Revenue will grow by 18.18% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.38 indicates a correct valuation of PGC.
Based on the Price/Earnings ratio, PGC is valued a bit more expensive than the industry average as 64.60% of the companies are valued more cheaply.
PGC is valuated rather cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.07, which indicates a very decent valuation of PGC.
PGC's Price/Forward Earnings ratio is rather cheap when compared to the industry. PGC is cheaper than 86.82% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.56, PGC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.38 | ||
| Fwd PE | 8.07 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PGC is valued a bit cheaper than 73.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.93 | ||
| 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)1.25
PEG (5Y)N/A
EPS Next 2Y36.74%
EPS Next 3Y35.43%
5. Dividend
5.1 Amount
With a yearly dividend of 0.71%, PGC is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.11, PGC's dividend is way lower than its industry peers. On top of this 84.24% of the companies listed in the same industry pay a better dividend than PGC!
Compared to an average S&P500 Dividend Yield of 2.31, PGC's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.71% |
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
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%
27.9
-0.06 (-0.21%)
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 Cap489.92M
Revenue(TTM)266.63M
Net Income(TTM)34.41M
Analysts85
Price Target35.32 (26.59%)
Short Float %3.9%
Short Ratio4.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.71% |
Yearly Dividend0.2
Dividend Growth(5Y)-0.42%
DP10.22%
Div Incr Years0
Div Non Decr Years14
Ex-Date
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)-2.46%
PT rev (3m)-2.46%
EPS NQ rev (1m)-5.24%
EPS NQ rev (3m)-7.89%
EPS NY rev (1m)-3.2%
EPS NY rev (3m)-8.95%
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 | 14.38 | ||
| Fwd PE | 8.07 | ||
| P/S | 1.84 | ||
| P/FCF | 8.93 | ||
| P/OCF | 6.93 | ||
| P/B | 0.76 | ||
| P/tB | 0.82 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.94
EY6.95%
EPS(NY)3.46
Fwd EY12.4%
FCF(TTM)3.13
FCFY11.2%
OCF(TTM)4.03
OCFY14.43%
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
WACC20.55%
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.
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 11.51% 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 10.22%.