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PEAPACK GLADSTONE FINL CORP (PGC) Stock Fundamental Analysis

NASDAQ:PGC - Nasdaq - US7046991078 - Common Stock - Currency: USD

27.31  -0.35 (-1.27%)

Fundamental Rating

4

PGC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. PGC has a bad profitability rating. Also its financial health evaluation is rather negative. PGC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

PGC had positive earnings in the past year.
PGC had a positive operating cash flow in the past year.
Each year in the past 5 years PGC has been profitable.
In the past 5 years PGC always reported a positive cash flow from operatings.
PGC Yearly Net Income VS EBIT VS OCF VS FCFPGC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.47%, PGC is doing worse than 75.88% of the companies in the same industry.
PGC has a worse Return On Equity (5.44%) than 73.12% of its industry peers.
Industry RankSector Rank
ROA 0.47%
ROE 5.44%
ROIC N/A
ROA(3y)0.8%
ROA(5y)0.75%
ROE(3y)9.25%
ROE(5y)8.61%
ROIC(3y)N/A
ROIC(5y)N/A
PGC Yearly ROA, ROE, ROICPGC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

PGC's Profit Margin of 14.46% is on the low side compared to the rest of the industry. PGC is outperformed by 76.38% of its industry peers.
In the last couple of years the Profit Margin of PGC has declined.
PGC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 14.46%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.7%
PM growth 5Y-11.8%
GM growth 3YN/A
GM growth 5YN/A
PGC Yearly Profit, Operating, Gross MarginsPGC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

PGC does not have a ROIC to compare to the WACC, probably because it is not profitable.
PGC has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, PGC has less shares outstanding
PGC has a better debt/assets ratio than last year.
PGC Yearly Shares OutstandingPGC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
PGC Yearly Total Debt VS Total AssetsPGC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

The Debt to FCF ratio of PGC is 2.14, which is a good value as it means it would take PGC, 2.14 years of fcf income to pay off all of its debts.
PGC has a Debt to FCF ratio of 2.14. This is comparable to the rest of the industry: PGC outperforms 51.51% of its industry peers.
A Debt/Equity ratio of 0.22 indicates that PGC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.22, PGC is in line with its industry, outperforming 43.47% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.14
Altman-Z N/A
ROIC/WACCN/A
WACC20.68%
PGC Yearly LT Debt VS Equity VS FCFPGC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PGC Yearly Current Assets VS Current LiabilitesPGC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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5

3. Growth

3.1 Past

PGC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -31.73%.
The Earnings Per Share has been decreasing by -5.39% on average over the past years.
PGC shows a decrease in Revenue. In the last year, the revenue decreased by -0.67%.
Measured over the past years, PGC shows a small growth in Revenue. The Revenue has been growing by 5.45% on average per year.
EPS 1Y (TTM)-31.73%
EPS 3Y-15.9%
EPS 5Y-5.39%
EPS Q2Q%8.33%
Revenue 1Y (TTM)-0.67%
Revenue growth 3Y2.75%
Revenue growth 5Y5.45%
Sales Q2Q%13.95%

3.2 Future

PGC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 48.52% yearly.
PGC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.23% yearly.
EPS Next Y45.08%
EPS Next 2Y48.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.85%
Revenue Next 2Y19.23%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
PGC Yearly Revenue VS EstimatesPGC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
PGC Yearly EPS VS EstimatesPGC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.76, PGC is valued correctly.
Based on the Price/Earnings ratio, PGC is valued a bit more expensive than 68.84% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.92. PGC is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 10.18 indicates a reasonable valuation of PGC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PGC is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 21.65. PGC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.76
Fwd PE 10.18
PGC Price Earnings VS Forward Price EarningsPGC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PGC is valued a bit cheaper than the industry average as 79.15% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.63
EV/EBITDA N/A
PGC Per share dataPGC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PGC's earnings are expected to grow with 48.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)N/A
EPS Next 2Y48.52%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a yearly dividend of 0.74%, PGC is not a good candidate for dividend investing.
With a Dividend Yield of 0.74, PGC pays less dividend than the industry average, which is at 3.63. 85.43% of the companies listed in the same industry pay a better dividend than PGC!
Compared to an average S&P500 Dividend Yield of 2.51, PGC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.74%

5.2 History

The dividend of PGC decreases each year by -0.42%.
PGC has been paying a dividend for at least 10 years, so it has a reliable track record.
PGC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.42%
Div Incr Years0
Div Non Decr Years14
PGC Yearly Dividends per sharePGC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15

5.3 Sustainability

PGC pays out 10.70% of its income as dividend. This is a sustainable payout ratio.
DP10.7%
EPS Next 2Y48.52%
EPS Next 3YN/A
PGC Yearly Income VS Free CF VS DividendPGC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
PGC Dividend Payout.PGC Dividend Payout, showing the Payout Ratio.PGC Dividend Payout.PayoutRetained Earnings

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PEAPACK GLADSTONE FINL CORP

NASDAQ:PGC (4/25/2025, 3:40:29 PM)

27.31

-0.35 (-1.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21 2025-04-21/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners80.04%
Inst Owner Change-0.59%
Ins Owners10.09%
Ins Owner Change-6.43%
Market Cap480.66M
Analysts82.86
Price Target37.49 (37.28%)
Short Float %3.47%
Short Ratio5.14
Dividend
Industry RankSector Rank
Dividend Yield 0.74%
Yearly Dividend0.2
Dividend Growth(5Y)-0.42%
DP10.7%
Div Incr Years0
Div Non Decr Years14
Ex-Date02-06 2025-02-06 (0.05)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.6%
Min EPS beat(2)13.15%
Max EPS beat(2)14.04%
EPS beat(4)3
Avg EPS beat(4)11.16%
Min EPS beat(4)-6.49%
Max EPS beat(4)23.95%
EPS beat(8)4
Avg EPS beat(8)0.92%
EPS beat(12)6
Avg EPS beat(12)0.61%
EPS beat(16)10
Avg EPS beat(16)4.2%
Revenue beat(2)2
Avg Revenue beat(2)0.78%
Min Revenue beat(2)0.38%
Max Revenue beat(2)1.18%
Revenue beat(4)3
Avg Revenue beat(4)0.24%
Min Revenue beat(4)-4.58%
Max Revenue beat(4)3.98%
Revenue beat(8)4
Avg Revenue beat(8)-1.31%
Revenue beat(12)6
Avg Revenue beat(12)-1.23%
Revenue beat(16)9
Avg Revenue beat(16)-0.24%
PT rev (1m)-3.51%
PT rev (3m)-5.17%
EPS NQ rev (1m)-3.12%
EPS NQ rev (3m)-5.22%
EPS NY rev (1m)-2.88%
EPS NY rev (3m)-4.76%
Revenue NQ rev (1m)-0.37%
Revenue NQ rev (3m)1.47%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)1.74%
Valuation
Industry RankSector Rank
PE 14.76
Fwd PE 10.18
P/S 2.11
P/FCF 7.63
P/OCF 6.76
P/B 0.79
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)1.85
EY6.77%
EPS(NY)2.68
Fwd EY9.83%
FCF(TTM)3.58
FCFY13.11%
OCF(TTM)4.04
OCFY14.79%
SpS12.96
BVpS34.42
TBVpS31.87
PEG (NY)0.33
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 5.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.46%
GM N/A
FCFM 27.62%
ROA(3y)0.8%
ROA(5y)0.75%
ROE(3y)9.25%
ROE(5y)8.61%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.7%
PM growth 5Y-11.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.14
Debt/EBITDA N/A
Cap/Depr 175%
Cap/Sales 3.55%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 191%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC20.68%
ROIC/WACCN/A
Cap/Depr(3y)103.01%
Cap/Depr(5y)92.15%
Cap/Sales(3y)2.14%
Cap/Sales(5y)1.98%
Profit Quality(3y)161.09%
Profit Quality(5y)147.6%
High Growth Momentum
Growth
EPS 1Y (TTM)-31.73%
EPS 3Y-15.9%
EPS 5Y-5.39%
EPS Q2Q%8.33%
EPS Next Y45.08%
EPS Next 2Y48.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.67%
Revenue growth 3Y2.75%
Revenue growth 5Y5.45%
Sales Q2Q%13.95%
Revenue Next Year21.85%
Revenue Next 2Y19.23%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-5.69%
FCF growth 3Y-4.17%
FCF growth 5Y-5.72%
OCF growth 1Y1.46%
OCF growth 3Y-1.98%
OCF growth 5Y-3.8%