Peapack-Gladstone Financial (PGC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Peapack-Gladstone Financial stock (PGC) is currently trading at $34.58. Peapack-Gladstone Financial PE ratio is 16.45. Peapack-Gladstone Financial PS ratio (Price-to-Sales) is 2.35. Analyst consensus price target for PGC is $40.00. WallStSmart rates PGC as Moderate Buy.
- PGC PE ratio analysis and historical PE chart
- PGC PS ratio (Price-to-Sales) history and trend
- PGC intrinsic value — DCF, Graham Number, EPV models
- PGC stock price prediction 2025 2026 2027 2028 2029 2030
- PGC fair value vs current price
- PGC insider transactions and insider buying
- Is PGC undervalued or overvalued?
- Peapack-Gladstone Financial financial analysis — revenue, earnings, cash flow
- PGC Piotroski F-Score and Altman Z-Score
- PGC analyst price target and Smart Rating
Peapack-Gladstone Financial
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PGC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Peapack-Gladstone Financial (PGC)
PGC trades at a significant discount to its Graham intrinsic value of $98.28, offering a 65% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Peapack-Gladstone Financial (PGC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Peapack-Gladstone Financial (PGC) Key Strengths (5)
Growing significantly faster than its price suggests
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 31.10% year-over-year
73.88% of shares held by major funds and institutions
Strong operational efficiency: $25 kept per $100 revenue
Supporting Valuation Data
Peapack-Gladstone Financial (PGC) Areas to Watch (5)
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.35x sales
Solid revenue growth at 16.30% per year
Decent profitability, keeps $14 per $100 revenue
Peapack-Gladstone Financial (PGC) Detailed Analysis Report
Overall Assessment
This company scores 74/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.6/10) while 5 fall into concern territory (avg 5.2/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Book, EPS Growth. Valuation metrics including PEG Ratio (0.64), Price/Book (0.89) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 25.40%. Growth metrics are encouraging with EPS Growth at 31.10%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Price/Sales. Some valuation metrics including Price/Sales (2.35) suggest expensive pricing. Growth concerns include Revenue Growth at 16.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 5.91%, Profit Margin at 14.40%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 5.91% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 16.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Price/Book makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PGC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PGC's Price-to-Sales ratio of 2.35x trades 39% below its historical average of 3.82x (5th percentile). The current valuation is 66% below its historical high of 6.95x set in Apr 2007, and 4% above its historical low of 2.26x in Jan 2019.
WallStSmart Analysis Synopsis
Data-driven financial summary for Peapack-Gladstone Financial (PGC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Peapack-Gladstone Financial is a strong growth company balancing expansion with improving profitability. Revenue reached 259M with 16% growth year-over-year. Profit margins of 14.4% are healthy, with room for further expansion as the business scales.
Key Findings
Free cash flow is -18M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Margin expansion: can Peapack-Gladstone Financial push profit margins above 15% as the business scales?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Peapack-Gladstone Financial.
Bottom Line
Peapack-Gladstone Financial offers an attractive blend of growth (16% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Peapack-Gladstone Financial(PGC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Peapack-Gladstone Financial Corporation is the banking holding company for Peapack-Gladstone Bank providing private banking and wealth management services in the United States. The company is headquartered in Bedminster, New Jersey.