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PGC vs TREE

PGC
Peapack-Gladstone Financial Corporation
BULLISH
Price
$38.48
Market Cap
$681.4M
Sector
Financial Services
AI Confidence
75%
TREE
LendingTree, Inc.
NEUTRAL
Price
$49.24
Market Cap
$682.3M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
PGC
18.32
TREE
4.57
Forward P/E
PGC
8.23
TREE
7.07
P/B Ratio
PGC
1.02
TREE
2.36
P/S Ratio
PGC
2.63
TREE
0.61
EV/EBITDA
PGC
--
TREE
11.38

Profitability

Gross Margin
PGC
0.0%
TREE
96.19%
Operating Margin
PGC
25.38%
TREE
7.2%
Profit Margin
PGC
14.43%
TREE
13.54%
ROE
PGC
5.91%
TREE
76.49%
ROA
PGC
0.51%
TREE
6.32%

Growth

Revenue Growth
PGC
16.3%
TREE
22.2%
Earnings Growth
PGC
31.1%
TREE
1746.8%

Financial Health

Debt/Equity
PGC
--
TREE
1.53
Current Ratio
PGC
--
TREE
1.67
Quick Ratio
PGC
--
TREE
1.56

Dividends

Dividend Yield
PGC
0.52%
TREE
--
Payout Ratio
PGC
9.52%
TREE
0.0%

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
TREE NEUTRAL

LendingTree presents a stark contrast between deep value and deteriorating operational health. While the stock trades significantly below its Graham Number ($71.08) and Intrinsic Value ($318.01) with a very low P/E of 4.57, the Piotroski F-Score of 3/9 indicates weak financial health. Recent earnings performance is volatile, highlighted by a significant miss in the most recent quarter (Actual $-0.39 vs Est $0.87), which offsets the strong YoY revenue growth. The bearish technical trend and weak health score suggest a value trap risk despite the 'Strong Buy' analyst consensus.

Strengths
Deep valuation discount with a P/E of 4.57 and P/S of 0.61
Strong YoY revenue growth of 22.20%
High Return on Equity (ROE) of 76.49%
Risks
Weak operational health indicated by a Piotroski F-Score of 3/9
Recent earnings volatility with a -144.8% surprise in the latest quarter
Bearish technical trend (0/100 score)

Compare Another Pair

PGC vs TREE: Head-to-Head Comparison

This page compares Peapack-Gladstone Financial Corporation (PGC) and LendingTree, Inc. (TREE) 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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