Peapack-Gladstone Financial Corp. (PGC)
NASDAQ:PGC
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Peapack-Gladstone Financial
(NASDAQ:PGC)
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Rating:69Neutral
Price Target:
$46.00
▲(16.63% Upside)
Action:DowngradedDate:05/01/26
The score is driven primarily by a mixed financial profile (profits and cash flow have cooled notably despite revenue growth and moderate current leverage). Offsetting this, technicals show a strong uptrend with positive momentum, valuation appears reasonable at a ~11 P/E, and recent corporate actions/results are supportive (capital raise and debt redemption), though the dividend yield is modest.
Positive Factors
Core deposit funding growth
Sizable core deposit growth provides durable, low-cost funding that underpins net interest income and funds loan expansion without reliance on volatile wholesale markets. For a regional private bank, sticky relationship deposits support margin stability, lending capacity and a repeatable growth engine over months to years.
Negative Factors
Margin compression
A sharp multi-year fall in net margin materially reduces the bank's earning power and its ability to convert revenue growth into profits. Persistent margin compression impairs ROE, limits capital generation from earnings, and increases pressure to either cut costs or rely on balance-sheet growth to restore prior profitability levels.
Read all positive and negative factors
Positive Factors
Negative Factors
Core deposit funding growth
Sizable core deposit growth provides durable, low-cost funding that underpins net interest income and funds loan expansion without reliance on volatile wholesale markets. For a regional private bank, sticky relationship deposits support margin stability, lending capacity and a repeatable growth engine over months to years.
Read all positive factors
Peapack-Gladstone Financial (PGC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$736.67M
Dividend Yield0.7%
Average Volume (3M)123.00K
Price to Earnings (P/E)10.9
Beta (1Y)0.97
Revenue Growth10.59%
EPS Growth37.65%
CountryUS
Employees620
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.12
Shares Outstanding17,708,326
10 Day Avg. Volume171,265
30 Day Avg. Volume123,000
Financial Highlights & Ratios
PEG Ratio0.98
Price to Book (P/B)0.74
Price to Sales (P/S)1.11
P/FCF Ratio17.11
Enterprise Value/Market Cap1.13
Enterprise Value/Revenue1.89
Enterprise Value/Gross Profit3.25
Enterprise Value/Ebitda13.18
Forecast
1Y Price Target
$45.00Price Target Upside14.10% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.68
Revenue Forecast (FY)$345.07M
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 Pr...
How the Company Makes Money
PGC primarily makes money through (1) net interest income and (2) noninterest income (fee-based revenue). Net interest income is earned from the spread between interest income on earning assets—most importantly loans (e.g., commercial and industri...
Peapack-Gladstone Financial Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
63
Positive
Cash Flow
57
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 441.36M | 402.91M | 373.75M | 274.72M | 228.78M |
| Gross Profit | 256.23M | 216.61M | 211.74M | 232.57M | 200.30M |
| EBITDA | 63.26M | 49.58M | 72.29M | 107.39M | 82.45M |
| Net Income | 37.33M | 32.99M | 48.85M | 74.25M | 56.62M |
Balance Sheet | |||||
| Total Assets | 7.53B | 7.01B | 6.48B | 6.35B | 6.08B |
| Cash, Cash Equivalents and Short-Term Investments | 408.82M | 441.51M | 738.29M | 744.72M | 943.56M |
| Total Debt | 216.78M | 178.48M | 553.39M | 530.92M | 148.63M |
| Total Liabilities | 6.87B | 6.41B | 5.89B | 5.82B | 5.53B |
| Stockholders Equity | 658.21M | 605.85M | 583.68M | 532.98M | 546.39M |
Cash Flow | |||||
| Free Cash Flow | 28.58M | 63.01M | 66.80M | 115.38M | 71.53M |
| Operating Cash Flow | 43.13M | 71.10M | 70.08M | 118.90M | 75.46M |
| Investing Cash Flow | -735.76M | -303.43M | -147.48M | -356.07M | -753.80M |
| Financing Cash Flow | 489.08M | 436.02M | 75.00M | 280.44M | 171.82M |
Peapack-Gladstone Financial Technical Analysis
Positive
39.44
Price Trends
35.07
Positive
32.00
Positive
29.68
Positive
Market Momentum
1.39
Negative
71.08
Negative
78.51
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 39.44 is above the 20-day moving average (MA) of 36.62, above the 50-day MA of 35.07, and above the 200-day MA of 29.68, indicating a bullish trend. The MACD of 1.39 indicates Negative momentum. The RSI at 71.08 is Negative, neither overbought nor oversold. The STOCH value of 78.51 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 39 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $502.33M | 10.11 | 13.94% | 1.53% | 22.25% | 61.19% | |
72 Outperform | $667.71M | 7.42 | 12.72% | 3.89% | 41.30% | ― | |
69 Neutral | $736.67M | 10.94 | 6.68% | 0.70% | 10.59% | 37.65% | |
69 Neutral | $572.58M | 10.02 | 7.81% | 3.92% | 10.98% | -14.11% | |
69 Neutral | $521.15M | 9.08 | 17.87% | 1.08% | 15.59% | 39.40% | |
69 Neutral | $560.72M | 9.04 | 11.81% | 4.97% | 11.07% | 175.21% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
PGC
Peapack-Gladstone Financial
41.60
13.47
47.91%
BHB
Bar Harbor Bankshares
34.20
5.63
19.72%
FISI
Financial Institutions
33.92
8.89
35.50%
UNTY
Unity Bancorp
52.03
9.65
22.76%
PFIS
Peoples Financial Services
56.04
12.51
28.74%
CBNK
Capital Bancorp
30.80
-0.40
-1.29%
Peapack-Gladstone Financial Corporate Events
Business Operations and StrategyFinancial DisclosuresShareholder Meetings
Peapack-Gladstone Shareholders Back Leadership and Governance Framework
Positive
Apr 30, 2026
At Peapack-Gladstone Financial Corporation’s April 29, 2026 annual shareholders meeting, investors elected thirteen directors to one-year terms expiring in 2027, approved on an advisory basis the compensation program for named executive offi...
Business Operations and StrategyFinancial DisclosuresPrivate Placements and Financing
Peapack-Gladstone Financial Posts Strong Q1 2026 Results
Positive
Apr 22, 2026
On April 22, 2026, Peapack-Gladstone Financial Corporation reported strong first quarter 2026 results that underscored the momentum of its private banking strategy and expansion across the Metropolitan New York region. Net income for the quarter e...
Business Operations and StrategyPrivate Placements and Financing
Peapack-Gladstone Boosts Capital with Series B Preferred
Positive
Mar 26, 2026
On March 26, 2026, Peapack-Gladstone Financial Corporation completed a $30 million private placement of 6.00% Non-Cumulative Perpetual Convertible Preferred Stock, Series B, to affiliates of Strategic Value Bank Partners, as part of a $50 million ...
Business Operations and Strategy
Peapack-Gladstone to Redeem $100 Million Subordinated Notes
Positive
Mar 2, 2026
Peapack-Gladstone Financial Corporation has notified UMB Bank, as trustee, that it will redeem all $100,000,000 in aggregate principal amount of its 3.50% fixed-to-floating rate subordinated notes due December 22, 2030. The redemption price will e...
Business Operations and StrategyExecutive/Board Changes
Peapack-Gladstone Grants Performance RSUs to Key Executives
Positive
Feb 11, 2026
On February 6 and February 10, 2026, Peapack-Gladstone Financial Corporation entered into special executive retention performance restricted stock unit award agreements with President and CEO Douglas Kennedy and Senior Executive Vice President and...
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.