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Peapack-Gladstone Financial Corporation PGC R2K

Financial Services · Banks - Regional · United States
https://www.peapackprivate.com

Peapack-Gladstone Financial Corporation operates as the bank holding company for Peapack Private Bank & Trust that provides private banking and wealth management services in the United States. The company operates in two segments, Banking and Wealth Management. It offers checking and savings accounts, money market and interest-bearing checking accounts, certificates of deposit, and individual retirement accounts. The company also provides working capital lines of credit, term loans for fixed asset acquisitions, commercial mortgages, multi-family mortgages, and other forms of asset-based financing services; and residential mortgages, home equity lines of credit, and other second mortgage loans. In addition, it offers corporate and industrial (C&I) lending and equipment finance, commercial real estate, multifamily, residential, and consumer lending activities; treasury management, C&I advisory, escrow management, deposit generation, and investment management services; personal trust services, including services as executor, trustee, administrator, custodian, and guardian; and other financial planning, tax preparation, and advisory services. Further, the company provides telephone and Internet banking, merchant credit card, and customer support sales services. Its private banking clients include businesses, non-profits, and consumers; wealth management clients include individuals, families, foundations, endowments, trusts, and estates; and commercial loan clients include business owners, professionals, retailers, contractors, and real estate investors. The company operates its private banking locations in Bedminster, Morristown, Princeton, and Teaneck, New Jersey; and branches in Somerset, Morris, Hunterdon, and Union counties, as well as operates automated teller machines. The company was founded in 1921 and is headquartered in Bedminster, New Jersey.

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$43.25
+58.77% 1Y

Market & Price

Market Cap
$766.32M
Current Price
$43.25
High / Low (52W)
$43.81 / $24.59
Beta
0.72

Valuation

Stock P/E
17.51
Industry PE
12.01
Forward P/E
9.06
PEG Ratio
0.64
Book Value
$37.78
Price to Book
1.14
P/S
2.80
EV/EBITDA
-
Dividend Yield
0.46%

Profitability & Returns

ROCE
-
ROE
6.64%
ROA
0.59%
Profit Margin
16.02%
Op Margin
28.09%
EPS (Latest Qtr)
$0.80
EPS (TTM)
$2.47

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$114.44M
Total Assets
$7.53B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
11.19%
Chg in Prom Hold
-
FII / Inst Holding
76.08%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$637.04M
Total Revenue (TTM)
$273.87M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$75.60M
Shares Outstanding
17.72M
Gross Margin
0.00%
Payout Ratio
8.10%

Growth (CAGR)

Revenue 5Y
5.13%
Profit 5Y
-20.49%
Revenue (YoY)
25.50%
Earnings (YoY)
86.00%

PROS

  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -20.5% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PGC Peapack-Gladstone Financial Corporation R2K 43.25 17.51 $766.32M 0.46% - 6.64% 5.13% -20.49%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 31.62M31.80M-32.61M35.14M38.82M-38.61M40.98M39.12M-41.74M42.29M44.50M-46.26M44.60M52.36M-49.61M51.52M52.99M-54.34M61.40M61.91M-62.04M57.50M55.87M-53.08M56.60M--62.88M67.74M69.12M76.16M80.76M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------40.84M41.36M41.97M37.44M35.15M
Pretax Income -----------------------------------10.45M11.26M13.61M16.99M19.73M
Tax Provision -----------------------------------2.85M3.32M3.98M4.83M5.57M
Net Income 6.56M7.12M7.31M7.98M7.94M10.21M10.37M10.81M11.91M10.72M10.73M11.43M11.55M12.23M12.23M1.37M8.24M13.55M3.03M13.18M14.42M14.17M14.86M13.44M20.10M20.13M20.58M18.36M13.14M8.76M8.60M8.63M7.53M--7.59M7.94M9.63M12.16M14.15M
Diluted EPS 0.400.430.430.460.450.560.560.570.620.560.550.580.590.630.640.070.430.710.160.670.740.740.780.711.081.091.121.010.730.490.480.480.42-0.520.430.45-0.690.80

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue --65.63M72.71M73.37M88.70M108.17M125.35M145.77M159.36M174.97M189.36M-237.47M224.63M222.82M275.91M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------35.80M147.92M178.79M161.62M
Pretax Income -------------102.34M67.28M44.95M52.31M
Tax Provision -------------28.10M18.43M11.96M14.98M
Net Income 7.13M7.66M12.17M9.70M9.26M14.89M19.97M26.48M36.50M44.17M47.43M26.19M-74.25M48.85M32.99M37.33M
Diluted EPS 0.640.681.251.051.011.221.291.602.032.312.441.37-4.002.711.852.10

Compounded Sales Growth

5 Years:5.13%
1 Year:25.50%

Compounded Profit Growth

5 Years:-20.49%
1 Year:86.00%

Stock Price Performance

1 Year:+58.77%
6 Months:+59.72%
3 Months:+29.29%
1 Month:+4.09%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Jan 2022Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.51B1.60B1.67B1.97B2.70B3.36B3.88B4.26B4.62B5.18B5.89B--6.35B6.48B7.01B7.53B
Current Assets -------------------
Cash & Equivalents --62.69M43.05M-----------190.07M187.67M391.37M187.82M
Inventory -------------------
Receivables ---------------25.16M30.68M29.90M31.97M
Total Liabilities --1.39B1.48B1.55B1.80B2.46B3.09B3.55B3.86B4.15B4.68B5.36B--5.82B5.89B6.41B6.87B
Current Liabilities -------------------
Long Term Debt ---------------132.99M133.27M133.56M99.03M
Total Debt ---------------530.92M553.39M178.48M216.78M
Total Equity 83.89M119.51M117.72M122.97M122.06M170.66M242.27M275.68M324.21M403.68M469.01M503.65M527.12M-3.91M532.98M583.68M605.85M658.21M
Shares Outstanding ---------------21.01M21.39M21.54M21.71M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 7.80M21.95M22.46M17.85M32.70M-30.31M42.93M55.94M64.25M86.30M36.72M-118.90M70.08M71.10M43.13M
Investing Cash Flow -72.16M-18.83M-118.39M6.94M-407.69M--625.43M-433.18M-435.51M-297.71M-486.96M-214.00M--356.07M-147.48M-303.43M-735.76M
Financing Cash Flow 117.44M-20.41M76.29M51.38M290.90M-634.07M482.78M330.33M280.79M448.08M622.41M-280.44M75.00M436.02M489.08M
Capital Expenditure -3.42M-2.96M-975.00K-1.05M-2.54M-3.94M-1.92M-3.22M-2.38M-1.06M-1.71M-3.08M--3.52M-3.28M-8.10M-14.55M
Free Cash Flow 4.38M19.00M21.49M16.79M30.16M-28.38M39.71M53.55M63.19M84.59M33.65M-115.38M66.80M63.01M28.58M
Net Change in Cash -------------43.27M-2.40M203.70M-203.55M
Share Buybacks -----130.00K-----21.00M6.49M28.63M32.72M12.49M7.19M5.44M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % --18.5%13.3%12.6%16.8%18.5%21.1%25.0%27.7%27.1%13.8%-31.3%21.7%14.8%13.5%
ROE % 6.0%6.5%9.9%7.9%5.4%6.1%7.2%8.2%9.0%9.4%9.4%5.0%-13.9%8.4%5.4%5.7%
ROCE % -----------------

Shareholding Pattern

Insiders
11.19%
Institutions
76.08%
Public Float
85.66%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 8.30% 1.47M $63.64M
2 Dimensional Fund Advisors LP 5.84% 1.04M $44.77M
3 Vanguard Capital Management LLC 3.87% 686.06K $29.67M
4 Philadelphia Trust Company 3.79% 671.78K $29.05M
5 Wellington Management Group, LLP 3.59% 636.08K $27.51M
6 State Street Corporation 2.92% 516.91K $22.36M
7 Boston Partners 2.80% 496.27K $21.46M
8 Peapack Gladstone Financial Corp. 2.79% 494.25K $21.38M
9 Brown Advisory Inc. 2.58% 456.27K $19.73M
10 Geode Capital Management, LLC 2.21% 391.39K $16.93M

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