Peapack-Gladstone Financial (PGC) AI Stock Analysis

• Market Cap: $605.93M
• Dividend Yield: 0.7%
• Average Volume (3M): 123.00K
• Price to Earnings (P/E): 16.4
• Beta (1Y): 0.90
• Revenue Growth: 9.16%
• EPS Growth: 6.95%
• Country: US
• Employees: 620
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 17,558,020
• 10 Day Avg. Volume: 171,265
• 30 Day Avg. Volume: 123,000
• PEG Ratio: -0.54
• Price to Book (P/B): 0.93
• Price to Sales (P/S): 1.41
• P/FCF Ratio: 8.99
• Enterprise Value/Market Cap: 1.41
• Enterprise Value/Revenue: 1.98
• Enterprise Value/Gross Profit: 3.48
• Enterprise Value/Ebitda: 16.25
• 1Y Price Target: $36.00
• Price Target Upside: 4.96% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $33.00 ▼(-3.79% Downside)

The score is driven primarily by solid financial performance (strong balance sheet with minimal leverage and improving cash generation, despite margin/ROE pressure). Technicals are moderately positive with price above key moving averages and a positive MACD, while valuation is fair but not compelling due to the low dividend yield. Corporate events add incremental support following strong reported results and governance updates.

Positive Factors

Strong Balance Sheet

A strong balance sheet with minimal leverage risk enhances financial stability and provides flexibility for future investments.

Improved Cash Generation

Improved cash generation supports operational needs and strategic initiatives, ensuring long-term sustainability.

Board Restructuring

New board appointments bring fresh perspectives and expertise, strengthening governance and strategic leadership for long-term growth.

Negative Factors

Pressure on Profitability

Decreasing net profit margins indicate challenges in maintaining profitability, which could impact long-term financial performance.

Modest Return on Equity

A modest ROE suggests limited efficiency in generating returns for shareholders, potentially affecting investor confidence.

Decline in Free Cash Flow to Net Income Ratio

A declining free cash flow to net income ratio could signal potential challenges in cash conversion efficiency, impacting future liquidity.

Peapack-Gladstone Financial Business Overview & Revenue Model

Company Description

Peapack-Gladstone Financial Corporation operates as the bank holding company for Peapack-Gladstone Bank that provides private banking and wealth management services in the United States. The company operates in two segments, Banking and Peapack Private. It offers checking and savings accounts, money market and interest-bearing checking accounts, certificates of deposit, and individual retirement accounts. The company also provides working capital lines of credit, term loans for fixed asset acquisitions, commercial mortgages, multi-family mortgages, and other forms of asset-based financing services; and residential mortgages, home equity lines of credit, and other second mortgage loans. In addition, it offers corporate and industrial (C&I) and equipment finance, commercial real estate, multifamily, residential, and consumer lending activities; treasury management services; C&I advisory services; escrow management; deposit generation; asset and investment management services; personal trust services, including services as executor, trustee, administrator, custodian, and guardian; and other financial planning, tax preparation, and advisory services. Further, the company provides telephone and Internet banking, merchant credit card, and customer support sales services. Its private banking clients include businesses, non-profits, and consumers; and wealth management clients comprise individuals, families, foundations, endowments, trusts, and estates. The company operates its private banking locations in Bedminster, Morristown, Princeton, and Teaneck, New Jersey; and wealth management branches in Somerset, Morris, Hunterdon, and Union counties, as well as operates automated teller machines at 20 locations. Peapack-Gladstone Financial Corporation was founded in 1921 and is headquartered in Bedminster, New Jersey.

How the Company Makes Money

Peapack-Gladstone Financial generates revenue through various channels, primarily from interest income on loans and investments, as well as non-interest income from fees for services. Key revenue streams include interest from commercial and residential loans, mortgage origination fees, service charges on deposit accounts, and investment management fees. The bank also earns income from wealth management services, which may include advisory fees and commissions. Additionally, partnerships with financial advisors and other institutions can enhance revenue opportunities. Economic conditions, interest rates, and the demand for banking services play significant roles in influencing the company's earnings.

Peapack-Gladstone Financial Financial Statement Overview

Summary

Solid overall fundamentals: steady revenue growth and strong gross margin support the Income Statement, a very low debt-to-equity ratio indicates minimal leverage risk, and free cash flow growth is strong. Offsetting this, net profit margin has compressed and ROE is modest, limiting the upside to the score.

Income Statement

Peapack-Gladstone Financial shows a consistent revenue growth trajectory, with a TTM revenue growth rate of 2.49% and a strong gross profit margin of 56.36%. However, the net profit margin has decreased from previous years, indicating some pressure on profitability. The EBIT and EBITDA margins are stable, suggesting efficient operational management.

Balance Sheet

The company's balance sheet is robust, with a low debt-to-equity ratio of 0.0059 in the TTM period, indicating minimal leverage risk. The return on equity is modest at 1.53%, reflecting room for improvement in generating returns for shareholders. The equity ratio is healthy, supporting financial stability.

Cash Flow

Cash flow analysis reveals a strong free cash flow growth rate of 25.05% in the TTM period, indicating improved cash generation. The operating cash flow to net income ratio is healthy, suggesting good cash conversion. However, the free cash flow to net income ratio shows a slight decline, which could be a point of concern if it continues.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	430.74M	402.91M	373.75M	274.72M	228.78M	227.51M
Gross Profit	244.72M	216.61M	211.74M	232.57M	200.30M	152.54M
EBITDA	52.48M	49.58M	72.29M	107.39M	82.45M	36.42M
Net Income	34.41M	32.99M	48.85M	74.25M	56.62M	26.19M
Balance Sheet
Total Assets	7.44B	7.01B	6.48B	6.35B	6.08B	5.89B
Cash, Cash Equivalents and Short-Term Investments	412.26M	441.51M	738.29M	744.72M	943.56M	1.28B
Total Debt	141.35M	178.48M	553.39M	530.92M	148.63M	213.28M
Total Liabilities	6.80B	6.41B	5.89B	5.82B	5.53B	5.36B
Stockholders Equity	642.55M	605.85M	583.68M	532.98M	546.39M	527.12M
Cash Flow
Free Cash Flow	54.89M	63.01M	66.80M	115.38M	71.53M	33.65M
Operating Cash Flow	70.71M	71.10M	70.08M	118.90M	75.46M	36.72M
Investing Cash Flow	-798.82M	-303.43M	-147.48M	-356.07M	-753.80M	-214.00M
Financing Cash Flow	582.63M	436.02M	75.00M	280.44M	171.82M	622.41M

Peapack-Gladstone Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 34.30
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PGC, the sentiment is Positive. The current price of 34.3 is above the 20-day moving average (MA) of 32.62, above the 50-day MA of 30.26, and above the 200-day MA of 28.16, indicating a bullish trend. The MACD of 1.42 indicates Negative momentum. The RSI at 65.23 is Neutral, neither overbought nor oversold. The STOCH value of 49.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PGC.

Peapack-Gladstone Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UNTY	80 Outperform	$549.16M	9.65	18.08%	1.08%	11.38%	36.10%
CBNK	77 Outperform	$528.67M	9.38	14.72%	1.53%	24.90%	28.06%
BHB	74 Outperform	$591.44M	15.34	7.45%	3.92%	4.26%	-16.52%
PGC	73 Outperform	$605.93M	16.43	5.50%	0.70%	9.16%	6.95%
PFIS	69 Neutral	$571.39M	9.72	10.83%	4.97%	39.98%	413.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FISI	59 Neutral	$700.14M	9.63	-4.98%	3.89%	-28.00%	-174.60%

Peapack-Gladstone Financial Corporate Events

Peapack-Gladstone Financial Posts Strong Q4 and 2025 Results

On January 29, 2026, Peapack-Gladstone Financial Corporation reported that fourth-quarter 2025 net income rose 26% sequentially to $12.2 million, or $0.69 per diluted share, while full-year 2025 net income increased 13% to $37.3 million, or $2.10 per share, versus 2024. Over the twelve months ended December 31, 2025, the bank delivered robust balance-sheet and revenue growth: deposits climbed 8% to $6.6 billion, driven by an $828 million increase in core relationship balances and a 28% jump in noninterest-bearing deposits; total loans expanded 13% to $6.3 billion, with new originations at a 6.60% weighted average coupon generating spreads of more than 400 basis points over funding costs. Net interest income grew 12% quarter over quarter to $56.5 million and the net interest margin widened to 3.08% in Q4 2025, marking eight consecutive quarters of net interest income growth as management continues to transform the deposit base. The wealth management division’s AUM/AUA increased to $13.1 billion, with $1.0 billion of new inflows in 2025 and fee income of $16.1 million in Q4 representing 21% of total revenue, reinforcing the strategy of stable fee generation alongside lending growth. Capital levels remained comfortably above well-capitalized thresholds, with tangible book value per share up 10% year over year and key regulatory ratios bolstered by earnings, underscoring the company’s strengthened financial position and its bid to differentiate itself as a premier regional private banking and wealth management franchise.

The most recent analyst rating on (PGC) stock is a Hold with a $31.00 price target. To see the full list of analyst forecasts on Peapack-Gladstone Financial stock, see the PGC Stock Forecast page.

Peapack-Gladstone Financial Announces Board Changes and Appointments

On December 18, 2025, Peapack-Gladstone Financial Corporation announced that long-serving directors Patrick J. Mullen, Philip W. Smith III and Beth Welsh would retire from the boards of both the company and its banking subsidiary effective December 31, 2025, with the company emphasizing there were no disagreements with management or policies underlying their departures. As part of a broader board restructuring unveiled in a December 23, 2025 release, the company appointed Diane D’Erasmo, former Vice Chairman Emeritus of HSBC Bank USA, and Ellen C. Walsh, a retired senior partner at PricewaterhouseCoopers, to join the boards effective January 1, 2026, a move positioned as reinforcing its commitment to strong governance and strategic leadership by bringing in fresh perspectives and deep expertise in wealth management, corporate finance and governance to support its long-term growth objectives and client-centric strategy.

The most recent analyst rating on (PGC) stock is a Buy with a $32.00 price target. To see the full list of analyst forecasts on Peapack-Gladstone Financial stock, see the PGC Stock Forecast page.