Peapack-Gladstone Financial Corporation (PGC) AI Stock Analysis

Peapack-Gladstone Financial Corporation operates as a bank holding company overseeing Peapack-Gladstone Bank, delivering private banking and wealth management services across the United States. The corporation functions through two core segments: Banking and Peapack Private. Its Banking segment provides retail and commercial solutions, including checking accounts, certificates of deposit, working capital lines of credit, and residential mortgages. The Peapack Private segment offers corporate advisory, personal trust administration, investment management, and comprehensive tax preparation. Operating private banking locations in Bedminster, Morristown, Princeton, and Teaneck, New Jersey, the firm serves both commercial enterprises and high-net-worth individual clients.

Peapack-Gladstone Financial Corporation recorded a five-year revenue CAGR of 14.2% from FY2020 to FY2025. Annual revenue rose from $228.8M in FY2021 to $274.7M in FY2022, before declining 16.4% to $229.7M in FY2023. Revenue subsequently rebounded to $402.9M in FY2024 and reached $441.4M in FY2025. Net income was $37.3M in FY2025, down from $56.6M in FY2021 and a peak of $74.2M in FY2022, translating to a net margin of 8.5%. Over the trailing twelve months, revenue reached $288.7M with EPS of $2.87. For the latest quarter ended June 30, 2026, revenue grew 23.4% year-over-year while quarterly earnings expanded 91.2%.

As of June 30, 2026, the company held $760.8M in cash and short-term investments against total debt of $117.5M, leaving net cash of $643.4M. Total assets stood at $7.97B alongside shareholders' equity of $715.8M, representing a debt-to-equity ratio of 0.16 and a current ratio of 10.62. During FY2025, operating cash flow was $43.1M and free cash flow was $28.6M. Capital expenditures absorbed $14.6M, while capital return included $6.7M in share repurchases and $3.5M in dividends paid.

At a share price of $43.38, Peapack-Gladstone Financial Corporation has a market capitalization of $769.0M and an enterprise value of $650.8M. Its trailing P/E ratio of 15.1x is above the median of its US-listed Financial Services peers of 12.1x, while its forward P/E of 9.6x is below the peer median of 10.8x. The company has a price-to-book ratio of 1.1x and a PEG ratio of 0.64. Over the past year, the stock returned 66.4%, outperforming the S&P 500 (SPY) return of 16.8%.

The company pays a quarterly dividend with an annualized forward payout of $0.20 per share, resulting in a dividend yield of 0.46%. Supported by a payout ratio of 6.9%, the corporation has paid dividends for 29 consecutive years. Its five-year annualized dividend growth rate stands at 0.0%, and its last ex-dividend date was August 13, 2026.

Wall Street analyst coverage includes 2 Strong Buy and 2 Buy recommendations, with no Hold, Sell, or Strong Sell ratings. The mean price target is $56.00, implying a 29.1% upside compared to the closing price of $43.38. For the current fiscal year ending December 31, 2026, analysts estimate EPS of $3.57 on revenue of $351.9M. The company beat EPS consensus in 2 of the last 4 quarters, with next earnings expected on October 27, 2026.

This page is an AI-written research summary of Peapack-Gladstone Financial Corporation (PGC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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