Peapack-Gladstone Financial Corporation (PGC)
Valuation Overview•Is Peapack-Gladstone Financial Corporation Overvalued or Undervalued?
Commands a premium valuation multiple over its peers, likely pricing in superior execution.
Moderate quality score of 48/100, reflecting stable operating margins and manageable leverage.
Analysts remain bullish, forecasting further upside expansion with consensus targets suggesting solid gains.
Verdict: Average quality business weighed down by significant profitability concerns.
Wall Street is highly bullish, projecting significant upside alongside robust expected earnings growth. However, capital return yields remain modest, driven predominantly by aggressive share repurchases.
PGC demonstrates adequate business quality with stable profitability. However, the balance sheet carries elevated leverage, requiring careful monitoring of debt servicing capabilities.
The company maintains stable top-line performance however, earnings have severely contracted over the same period. Operating efficiency remains adequate with margins around 13.5%.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $117.6M | +9.5% | — | — | +13.9% | |
| EBITDA | $21.1M | — | -16.2% | — | — | |
| Net Income | $14.2M | +13.2% | -20.5% | — | +6.5% | |
| EPS (Diluted) | $0.80 | +14.1% | -19.2% | +9.0% | +5.0% | |
| Free Cash Flow | $23.3M | -54.6% | -37.2% | -3.2% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 59.9% | 56.2% | 68.1% | 71.8% |
| Operating Margin | 13.5% | 13.7% | 22.4% | 24.4% |
| Net Margin | 9.6% | 9.9% | 16.3% | 17.4% |
| FCF Margin | 13.9% | 13.3% | 22.7% | 25.3% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.66 | $0.80 | +21.2% | ||
| Q1'26 | $0.65 | $0.69 | +5.7% | ||
| Q1'26 | $0.65 | $0.69 | +6.2% | ||
| Q4'25 | $0.59 | $0.54 | -8.5% | ||
| Q3'25 | $0.61 | $0.45 | -26.2% | ||
| Q2'25 | $0.51 | $0.43 | -15.7% | ||
| Q1'25 | — | $0.52 | — | ||
| Q1'25 | $0.47 | $0.52 | +10.6% |
Total return is +57.6% (1Y), outperforming the benchmark by +47.1%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +69.6% | +59.6% | — |
| 1Y | +57.6% | +47.1% | +0.7% |
| 3YCAGR | +20.3% | -0.1% | +2.2% |
| 5YCAGR | +7.8% | -3.6% | +3.3% |
| 10YCAGR | +10.2% | -4.0% | — |
The S&P 500 is at 31.4x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Peapack-Gladstone Financial Corporation (PGC) valuation, health, and returns.
Based on peer relative multiples, Peapack-Gladstone Financial Corporation appears Slightly expensive versus peers compared to industry peers.
Peapack-Gladstone Financial Corporation has multiple valuation anchors: Peer Relative Fair Value: $39.06 | Wall Street Analyst Target: $54.50 (implying +15.9% upside). A convergence of these signals offers higher conviction.
Peapack-Gladstone Financial Corporation displays fair financial health with a composite quality score of 48/100, supported by a Piotroski F-Score of 7/9, Return on Invested Capital (ROIC) of 4.7%.
Peapack-Gladstone Financial Corporation pays a 0.4% dividend yield, covered by a 9% payout ratio with 0 years of growth, supplemented by a 0.8% buyback yield.
Peapack-Gladstone Financial Corporation's current growth trajectory is Accelerating. The company achieved +9.5% 1Y revenue growth and +14.1% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 7 analysts, beating EPS expectations in 50% of recent quarters with a 3-quarter streak. The consensus price target represents a +15.9% change from current levels.
Investment risks for Peapack-Gladstone Financial Corporation include: -18.6% 1-year max drawdown. Volatility risk is characterized by a beta of 0.72x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.