Peapack-Gladstone Financial (PGC) AI Stock Analysis

• Market Cap: $496.63M
• Dividend Yield: 0.71%
• Average Volume (3M): 109.67K
• Price to Earnings (P/E): 15.5
• Beta (1Y): 1.08
• Revenue Growth: 7.35%
• EPS Growth: -2.65%
• Country: US
• Employees: 620
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.45
• Shares Outstanding: 17,648,472
• 10 Day Avg. Volume: 103,230
• 30 Day Avg. Volume: 109,665
• 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: 1.28
• Enterprise Value/Revenue: 1.51
• Enterprise Value/Gross Profit: 2.72
• Enterprise Value/Ebitda: 12.89
• 1Y Price Target: $37.00
• Price Target Upside: 31.49% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 64 Neutral
• Price Target: $30.00 ▲(6.61% Upside)

Peapack-Gladstone Financial demonstrates a solid financial foundation with stable revenue growth and effective cost management. The technical analysis indicates potential short-term weakness, but the stock might be oversold, suggesting a possible rebound. Valuation is fair, with a moderate P/E ratio and low dividend yield. The absence of earnings call data and corporate events limits further insights.

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 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 structure. Revenue growth is evident, but variability in profit margins and operational efficiency presents areas for improvement. The company's prudent leverage and consistent cash flow generation provide a stable basis for future growth.

Income Statement

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	420.26M	402.91M	373.75M	274.72M	228.78M	227.51M
Gross Profit	234.26M	216.61M	211.74M	232.57M	200.30M	153.10M
EBITDA	49.39M	49.58M	72.29M	107.39M	82.45M	36.42M
Net Income	32.36M	32.99M	48.85M	74.25M	56.62M	26.19M
Balance Sheet
Total Assets	7.20B	7.01B	6.48B	6.35B	6.08B	5.89B
Cash, Cash Equivalents and Short-Term Investments	775.06M	441.51M	738.29M	744.72M	943.56M	1.28B
Total Debt	142.01M	178.48M	553.39M	530.92M	148.63M	213.28M
Total Liabilities	6.57B	6.41B	5.89B	5.82B	5.53B	5.36B
Stockholders Equity	629.78M	605.85M	583.68M	532.98M	546.39M	527.12M
Cash Flow
Free Cash Flow	43.90M	63.01M	66.80M	115.38M	71.53M	33.65M
Operating Cash Flow	59.21M	71.10M	70.08M	118.90M	75.46M	36.72M
Investing Cash Flow	-722.09M	-303.43M	-147.48M	-356.07M	-753.80M	-214.00M
Financing Cash Flow	662.75M	436.02M	75.00M	280.44M	171.82M	622.41M

Peapack-Gladstone Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 28.14
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PGC, the sentiment is Negative. The current price of 28.14 is below the 20-day moving average (MA) of 28.96, above the 50-day MA of 27.61, and below the 200-day MA of 29.26, indicating a neutral trend. The MACD of 0.17 indicates Positive momentum. The RSI at 45.04 is Neutral, neither overbought nor oversold. The STOCH value of 9.76 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PGC.

Peapack-Gladstone Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFIS	76 Outperform	496.34M	14.91	1.81%	4.97%	67.70%	39.18%
UNTY	75 Outperform	501.55M	10.22	15.79%	1.12%	10.57%	31.14%
BHB	72 Outperform	517.17M	12.07	―	4.00%	2.52%	-5.20%
CBNK	71 Outperform	532.33M	12.15	11.39%	1.31%	22.14%	12.06%
PGC	64 Neutral	$496.63M	15.52	5.31%	0.71%	7.35%	-2.65%
FISI	60 Neutral	552.56M	-10.68	-3.07%	4.48%	-29.94%	-178.36%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Peapack-Gladstone Financial Corporate Events

Peapack-Gladstone Financial Reports Strong Q2 2025 Results

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.