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Peapack-Gladstone Financial Corp. (PGC)
NASDAQ:PGC
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Peapack-Gladstone Financial (PGC) AI Stock Analysis

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PGC

Peapack-Gladstone Financial

(NASDAQ:PGC)

Rating:75Outperform
Price Target:
$32.00
▲(10.73% Upside)
Peapack-Gladstone Financial's overall stock score is driven by strong financial performance and positive corporate events. The company's strategic expansion and solid cash flow generation are significant strengths. Technical indicators support a bullish outlook, although the valuation is moderate with a low dividend yield.

Peapack-Gladstone Financial (PGC) vs. SPDR S&P 500 ETF (SPY)

Peapack-Gladstone Financial Business Overview & Revenue Model

Company DescriptionPeapack-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 MoneyPeapack-Gladstone Financial generates revenue through several key streams, including net interest income from loans and investments and non-interest income from fees for various financial services. The bank earns interest on loans provided to customers, including commercial loans, residential mortgages, and consumer loans, which constitutes a significant portion of its revenue. Additionally, PGC offers wealth management services, including investment advisory and trust services, which generate fee-based income. The company's strategic partnerships and collaborations with other financial institutions also contribute to its earnings by expanding its service offerings and client base. Furthermore, PGC may benefit from increased revenue through asset management fees and commissions from investment products, enhancing its overall profitability.

Peapack-Gladstone Financial Financial Statement Overview

Summary
Peapack-Gladstone Financial exhibits a solid financial foundation with strong cash flow generation and a conservative balance sheet. Despite revenue growth, the variability in profit margins and operational efficiency needs improvement. The company's prudent leverage and consistent cash flow provide a stable basis for future growth and resilience against market fluctuations.
Income Statement
72
Positive
Peapack-Gladstone Financial shows a mixed performance in its income statement. The Gross Profit Margin has remained relatively stable, indicating efficient cost management. However, the Net Profit Margin is inconsistent, reflecting fluctuations in profitability over time. Despite this, the company has demonstrated positive revenue growth over recent periods, suggesting a strengthening market position. The EBIT and EBITDA margins reveal challenges in operational efficiency, with noticeable volatility in EBIT margins, impacting overall profitability.
Balance Sheet
68
Positive
The balance sheet indicates moderate stability. The Debt-to-Equity ratio is low, implying a conservative leverage approach, which is favorable for financial stability. However, the Return on Equity (ROE) has shown variability, which might concern investors seeking consistent returns. The Equity Ratio shows a healthy proportion of equity, underscoring a solid capital structure. Overall, while the company maintains a stable asset base, the fluctuations in ROE suggest potential challenges in generating consistent earnings from equity.
Cash Flow
75
Positive
Cash flow analysis reveals strong performance, with consistent Free Cash Flow generation, which supports ongoing operations and potential investments. The Operating Cash Flow to Net Income ratio is robust, indicating efficient conversion of income into cash. Despite a high level of investing cash outflows, primarily due to strategic investments, the company has managed to maintain positive Free Cash Flow. This highlights sound cash management practices, ensuring liquidity and financial flexibility.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue402.91M373.75M274.72M228.78M227.51M
Gross Profit216.61M211.74M232.57M200.30M153.10M
EBITDA49.58M72.29M107.39M82.45M36.42M
Net Income32.99M48.85M74.25M56.62M26.19M
Balance Sheet
Total Assets7.01B6.48B6.35B6.08B5.89B
Cash, Cash Equivalents and Short-Term Investments441.51M738.29M744.72M943.56M1.28B
Total Debt178.48M553.39M530.92M148.63M213.28M
Total Liabilities6.41B5.89B5.82B5.53B5.36B
Stockholders Equity605.85M583.68M532.98M546.39M527.12M
Cash Flow
Free Cash Flow63.01M66.80M115.38M71.53M33.65M
Operating Cash Flow71.10M70.08M118.90M75.46M36.72M
Investing Cash Flow-303.43M-147.48M-356.07M-753.80M-214.00M
Financing Cash Flow436.02M75.00M280.44M171.82M622.41M

Peapack-Gladstone Financial Technical Analysis

Technical Analysis Sentiment
Positive
Last Price28.90
Price Trends
50DMA
27.77
Positive
100DMA
27.66
Positive
200DMA
29.81
Negative
Market Momentum
MACD
0.58
Negative
RSI
62.06
Neutral
STOCH
79.59
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 28.9 is above the 20-day moving average (MA) of 27.65, above the 50-day MA of 27.77, and below the 200-day MA of 29.81, indicating a neutral trend. The MACD of 0.58 indicates Negative momentum. The RSI at 62.06 is Neutral, neither overbought nor oversold. The STOCH value of 79.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PGC.

Peapack-Gladstone Financial Risk Analysis

Peapack-Gladstone Financial disclosed 34 risk factors in its most recent earnings report. Peapack-Gladstone Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Peapack-Gladstone Financial Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
$512.69M15.955.31%0.69%7.35%-2.65%
75
Outperform
$775.49M11.079.27%2.76%7.40%2.01%
75
Outperform
$577.44M13.0113.36%1.23%22.14%12.06%
73
Outperform
$575.99M11.4112.08%4.52%6.15%-1.27%
70
Outperform
$633.68M
0.27%
68
Neutral
$18.06B11.9710.24%3.74%9.75%1.30%
60
Neutral
$558.80M8.52-6.53%4.44%-29.94%-178.36%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
PGC
Peapack-Gladstone Financial
28.90
2.64
10.05%
CCNE
Cnb Financial
26.05
3.60
16.04%
FMNB
Farmers National Banc Oh
15.05
0.83
5.84%
FISI
Financial Institutions
27.45
3.58
15.00%
CBNK
Capital Bancorp
34.08
9.85
40.65%
NPB
Northpointe Bancshares, Inc.
18.65
4.11
28.27%

Peapack-Gladstone Financial Corporate Events

Business Operations and StrategyFinancial Disclosures
Peapack-Gladstone Financial Reports Strong Q2 2025 Results
Positive
Jul 21, 2025

Peapack-Gladstone Financial Corporation reported its second quarter 2025 financial results, highlighting significant growth in deposits and net income. The company achieved a 12% increase in deposits, reaching $6.4 billion, and recorded a net income of $7.9 million. The expansion in Metro New York has been successful, with over 700 new relationships and $1.3 billion in new core deposits. The company’s wealth management division saw assets under management rise to $12.3 billion, contributing to a 23% share of total revenue. The company’s strategic expansion and rebranding efforts have positioned it as a premier boutique private bank in the region.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 23, 2025