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PGC vs SHBI

PGC
Peapack-Gladstone Financial Corporation
BULLISH
Price
$38.48
Market Cap
$681.4M
Sector
Financial Services
AI Confidence
75%
SHBI
Shore Bancshares, Inc.
BULLISH
Price
$19.98
Market Cap
$668.3M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
PGC
18.32
SHBI
11.22
Forward P/E
PGC
8.23
SHBI
9.22
P/B Ratio
PGC
1.02
SHBI
1.13
P/S Ratio
PGC
2.63
SHBI
3.08
EV/EBITDA
PGC
--
SHBI
--

Profitability

Gross Margin
PGC
0.0%
SHBI
0.0%
Operating Margin
PGC
25.38%
SHBI
41.57%
Profit Margin
PGC
14.43%
SHBI
27.46%
ROE
PGC
5.91%
SHBI
10.52%
ROA
PGC
0.51%
SHBI
0.95%

Growth

Revenue Growth
PGC
16.3%
SHBI
8.1%
Earnings Growth
PGC
31.1%
SHBI
17.9%

Financial Health

Debt/Equity
PGC
--
SHBI
--
Current Ratio
PGC
--
SHBI
--
Quick Ratio
PGC
--
SHBI
--

Dividends

Dividend Yield
PGC
0.52%
SHBI
2.4%
Payout Ratio
PGC
9.52%
SHBI
26.97%

AI Verdict

PGC BULLISH

PGC presents a compelling value opportunity, trading below both its Graham Number ($42.25) and Intrinsic Value ($61.95). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company is exhibiting strong growth momentum with YoY earnings growth of 31.10% and a significantly compressed forward P/E of 8.23. Despite a poor recent track record of earnings surprises (1/4 beats), the underlying price performance and valuation metrics suggest significant upside potential.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong growth trajectory with 31.10% YoY earnings growth
Attractive forward P/E ratio of 8.23 suggesting earnings expansion
Risks
Low profitability metrics with ROE at 5.91% and ROA at 0.51%
Poor recent earnings reliability with an average surprise of -9.20% over the last 4 quarters
Piotroski F-Score of 4/9 indicates only mediocre financial health
SHBI BULLISH

SHBI presents a compelling value opportunity, anchored by a stable Piotroski F-Score of 4/9 and a current price of $19.98 that sits significantly below both its Graham Number ($26.59) and estimated Intrinsic Value ($52.51). The company exhibits strong fundamental growth with YoY earnings increasing by 17.9% and a low Forward P/E of 9.22. While technical trends are currently bearish and insider activity is slightly negative, the underlying profitability and valuation gap suggest significant upside potential. The low payout ratio of 26.97% ensures dividend sustainability despite the modest yield.

Strengths
Significant undervaluation relative to Graham Number ($26.59) and Intrinsic Value ($52.51)
Strong earnings growth (17.9% YoY) and positive Q/Q momentum
Attractive valuation multiples (P/E 11.22, Forward P/E 9.22, P/B 1.13)
Risks
Bearish technical trend (10/100) suggesting short-term price pressure
Lack of insider buying activity (Net Bearish)
Moderate financial health as indicated by a Piotroski F-Score of 4/9

Compare Another Pair

PGC vs SHBI: Head-to-Head Comparison

This page compares Peapack-Gladstone Financial Corporation (PGC) and Shore Bancshares, Inc. (SHBI) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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