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PGC vs V

PGC
Peapack-Gladstone Financial Corporation
BULLISH
Price
$38.48
Market Cap
$681.4M
Sector
Financial Services
AI Confidence
75%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
PGC
18.32
V
28.35
Forward P/E
PGC
8.23
V
20.79
P/B Ratio
PGC
1.02
V
15.09
P/S Ratio
PGC
2.63
V
14.08
EV/EBITDA
PGC
--
V
20.06

Profitability

Gross Margin
PGC
0.0%
V
97.78%
Operating Margin
PGC
25.38%
V
68.3%
Profit Margin
PGC
14.43%
V
50.23%
ROE
PGC
5.91%
V
53.95%
ROA
PGC
0.51%
V
18.36%

Growth

Revenue Growth
PGC
16.3%
V
14.6%
Earnings Growth
PGC
31.1%
V
17.4%

Financial Health

Debt/Equity
PGC
--
V
0.55
Current Ratio
PGC
--
V
1.11
Quick Ratio
PGC
--
V
0.72

Dividends

Dividend Yield
PGC
0.52%
V
0.89%
Payout Ratio
PGC
9.52%
V
22.91%

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

PGC vs V: Head-to-Head Comparison

This page compares Peapack-Gladstone Financial Corporation (PGC) and Visa Inc. (V) 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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