PGC

BULLISH

$38.48 Live

Peapack-Gladstone Financial Corporation · NASDAQ

Target $40.5 (+5.2%)

$24.42 52W Range $39.57

PGC Peapack-Gladstone Financial Corporation - Fundamental Analysis

BULLISH

Console Chart News

PGC Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$38.48

Analyst Target

$40.5

+5.2% Upside

52W High

$39.57

52W Low

$24.42

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 17, 2026

Market cap

$681.39M

P/E

18.32

ROE

5.9%

Profit margin

14.4%

Debt/Equity

N/A

Dividend yield

0.52%

AI Analysis

AI-powered fundamental assessment

Confidence

75%

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.

Key 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

Low payout ratio (9.52%) providing ample room for dividend increases

Strong 1-year price appreciation of 50.1%

Key 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

Very low dividend yield (0.52%) making it unattractive for income investors

Regional bank sector exposure to interest rate volatility

AI Fair Value Estimate

Based on comprehensive analysis

$48.5

+26.0% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Undervalued Growth

Key drivers: Valuation gap vs Intrinsic Value, Strong YoY Revenue/Earnings growth, Low Forward P/E

Confidence

80%

Value

85/100

Current price $38.48 vs Graham $42.25 and Intrinsic $61.95

Positives

Price below Graham Number
P/B ratio near 1.0
Forward P/E is very low

Watchpoints

Trailing P/E is moderate

Future

80/100

High growth rates offset by poor earnings surprise track record

Positives

16.3% Revenue growth
31.1% Earnings growth
Strong Q/Q momentum

Watchpoints

Consistent misses on analyst estimates

Past

60/100

Strong price action but inconsistent fundamental delivery

Positives

Strong 1Y and 6M price returns

Watchpoints

Inconsistent quarterly earnings beats
Low historical ROE

Health

50/100

Piotroski F-Score 4/9; Altman Z-Score N/A for banking sector

Positives

Stable Piotroski score

Watchpoints

Piotroski F-Score 4/9 is only 'Stable', not 'Strong'
Low ROA

Dividend

30/100

Dividend strength score 25/100

Positives

Very low payout ratio ensures safety

Watchpoints

Negligible yield of 0.52%

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$38.48

Analyst Target

$40.5

Upside/Downside

+5.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for PGC and closest competitors.

Updated 2026-04-16

Company	5Y	3Y	1Y	6M	1M	1W
PGC Peapack-Gladstone Financial Corporation Primary	+26.1%	+40.1%	+50.1%	+47.3%	+14.5%	-0.8%
TREE LendingTree, Inc. Peer	-77.1%	+105.9%	+15.8%	-15.4%	+21.8%	+13.6%
BOE BlackRock Enhanced Global Dividend Trust Peer	+56.8%	+49.1%	+15.2%	+8.2%	+2.2%	+0.4%
DGICB Donegal Group Inc. Peer	+51.0%	+32.2%	+12.1%	+7.2%	+14.7%	+1.8%
BHK BlackRock Core Bond Trust Peer	-14.3%	+11.3%	+0.6%	+6.0%	+1.2%	-0.2%

PGC

Peapack-Gladstone Financial Corporation

Primary

+26.1%

+40.1%

+50.1%

+47.3%

+14.5%

-0.8%

TRE

LendingTree, Inc.

Peer

-77.1%

+105.9%

+15.8%

-15.4%

+21.8%

+13.6%

BOE

BlackRock Enhanced Global Dividend Trust

Peer

+56.8%

+49.1%

+15.2%

+8.2%

+2.2%

+0.4%

DGI

Donegal Group Inc.

Peer

+51.0%

+32.2%

+12.1%

+7.2%

+14.7%

+1.8%

BHK

BlackRock Core Bond Trust

Peer

-14.3%

+11.3%

+0.6%

+6.0%

+1.2%

-0.2%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

18.32

8.23

N/A

1.02

2.63

2.7

N/A

$681.39M

Profitability

Profit margins and return metrics

Profit Margin 14.43%

Operating Margin 25.38%

Gross Margin N/A

ROE 5.91%

ROA 0.51%

Growth

Revenue and earnings growth rates

Revenue Growth +16.3%

Earnings Growth +31.1%

Q/Q Revenue Growth +28.78%

Q/Q Earnings Growth +31.6%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$11.36

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.1B

Net Margin

16.0%

Total Assets

$7.5B

Liabilities

$6.9B

Equity

$0.7B

Debt/Equity

10.43x

Operating CF

$-0.0B

CapEx

$-0.0B

Free Cash Flow

$-0.0B

FCF Yield

345%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-22

$N/A

2026-01-29

$0.71

+12.0% surprise

2025-10-22

$0.56

-6.4% surprise

2025-07-21

$0.41

-33.2% surprise

Financial Services Sector Comparison

Comparing PGC against 579 companies in the Financial Services sector (106 bullish, 239 neutral, 234 bearish)

P/E Ratio

18.32

This Stock

41.68

Sector Avg

-56.0% (Discount)

Return on Equity (ROE)

5.91%

This Stock

-0.24%

Sector Avg

-2530.9% (Below Avg)

Profit Margin

14.43%

This Stock

47.47%

Sector Avg

-69.6% (Weaker)

Revenue Growth

16.3%

This Stock

39.3%

Sector Avg

-58.5% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
PGC Peapack-Gladstone...	BULLISH	$681.39M	18.32	5.9%	14.4%	$38.48
TREE LendingTree, Inc.	NEUTRAL	$682.26M	4.57	76.5%	13.5%	$49.24	Compare
BOE BlackRock Enhanced Global...	NEUTRAL	$678.61M	10.08	9.4%	432.8%	$11.9	Compare
DGICB Donegal Group Inc.	NEUTRAL	$687.47M	8.11	13.4%	8.1%	$17.69	Compare
BHK BlackRock Core Bond Trust	BEARISH	$690.46M	16.48	6.0%	74.3%	$9.56	Compare

PGC Peapack-Gladstone...

BULLISH

Mkt Cap

$681M

P/E

18.3

ROE

5.9%

Price

$38.48

TREE LendingTree, Inc.

Compare with PGC

Compare with PGC

DGICB Donegal Group Inc.

Compare with PGC

BHK BlackRock Core...

Compare with PGC

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-31	CAVALLARO FRANK A	Chief Financial Officer	Purchase	2,889	$101,000
2026-03-30	KENNEDY DOUGLAS L	Chief Executive Officer	Purchase	11,296	$397,732
2026-03-30	CAMPION PATRICK	Director	Purchase	1,429	$49,993
2026-03-20	HORST PETER D	Director	Stock Award	1,675	-
2026-03-20	CONSI ANTHONY J	Director	Stock Award	1,675	-
2026-03-20	KENNEDY DOUGLAS L	Chief Executive Officer	Stock Award	29,161	-
2026-03-20	CAMPION PATRICK	Director	Stock Award	1,675	-
2026-03-20	CAVALLARO FRANK A	Chief Financial Officer	Stock Award	3,281	-
2026-03-20	KASS STEVEN A	Director	Stock Award	2,978	-
2026-03-20	GRAMIGNA EDWARD A JR	Director	Stock Award	2,419	-
2026-03-20	COLE SUSAN A	Director	Stock Award	1,675	-
2026-03-20	BABCOCK JOHN PHILLIPS	Officer	Stock Award	19,822	-
2026-03-20	DAINGERFIELD RICHARD	Director	Stock Award	2,605	-
2026-03-20	ROSSI FRANCESCO S	Officer	Stock Award	763	-
2026-03-20	BOWSER CARMEN M	Director	Stock Award	1,675	-

CAVALLARO FRANK A

Chief Financial Officer

Buy

2026-03-31

2,889 shares · $101,000

KENNEDY DOUGLAS L

Chief Executive Officer

Buy

2026-03-30

11,296 shares · $397,732

CAMPION PATRICK

Director

Buy

2026-03-30

1,429 shares · $49,993

HORST PETER D

Director

Stock Award

2026-03-20

1,675 shares

CONSI ANTHONY J

Director

Stock Award

2026-03-20

1,675 shares

KENNEDY DOUGLAS L

Chief Executive Officer

Stock Award

2026-03-20

29,161 shares

CAMPION PATRICK

Director

Stock Award

2026-03-20

1,675 shares

CAVALLARO FRANK A

Chief Financial Officer

Stock Award

2026-03-20

3,281 shares

KASS STEVEN A

Director

Stock Award

2026-03-20

2,978 shares

GRAMIGNA EDWARD A JR

Director

Stock Award

2026-03-20

2,419 shares

COLE SUSAN A

Director

Stock Award

2026-03-20

1,675 shares

BABCOCK JOHN PHILLIPS

Officer

Stock Award

2026-03-20

19,822 shares

DAINGERFIELD RICHARD

Director

Stock Award

2026-03-20

2,605 shares

ROSSI FRANCESCO S

Officer

Stock Award

2026-03-20

763 shares

BOWSER CARMEN M

Director

Stock Award

2026-03-20

1,675 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-03-26

DEF 14A

2026-03-16

PGC filed a definitive proxy statement on March 16, 2026, providing shareholders with necessary information to vote at the company's annual meeting.

10-K

2026-03-11

PGC filed its 10-K annual report on March 11, 2026, which includes sections on business operations, risk factors, and management's discussion and analysis. However, the provided excerpts contain no specific financial data or detailed risk disclosures to summarize.

8-K/A

2026-03-02

PGC filed an amendment to a previously submitted current report on March 2, 2026.

8-K

PEAPACK-GLADSTONE FINANCIAL CORPORATION FORM 8-K MARCH 2, 2026

2026-03-02

Peapack-Gladstone Financial Corporation filed a current report on March 2, 2026, likely announcing a quarterly dividend declaration or reporting financial results.

8-K

PEAPACK GLADSTONE FINANCIAL CORP FORM 8-K FEBRUARY 6, 2026

2026-02-11

Peapack Gladstone Financial Corp filed a current report on February 6, 2026, likely announcing its financial earnings results.

8-K

2026-01-29

PGC filed an 8-K on January 29, 2026, likely to announce its quarterly or annual financial results.

8-K

2025-12-23

10-Q

2025-11-07

PGC has engaged in unregistered sales of equity securities to raise capital. The filing indicates significant financial risk, specifically noting defaults upon senior securities.

8-K

2025-10-22

10-Q

2025-08-08

8-K

2025-07-21

10-Q

2025-05-09

8-K

2025-04-30

8-K

2025-04-22

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

STRONG_BUY

4 analysts

Piper Sandler

2026-04-02

Maintains

Overweight Overweight

Piper Sandler

2026-02-27

reit

Overweight Overweight

Keefe, Bruyette & Woods

2026-02-02

Maintains

Outperform Outperform

Piper Sandler

2025-12-10

Maintains

Overweight Overweight

Past News Coverage

Recent headlines mentioning PGC from our newsroom.

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PGC

PGC Peapack-Gladstone Financial Corporation - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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