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Upturn AI SWOT - About
PGC 
Peapack-Gladstone Financial (PGC)
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Upturn Advisory Summary
09/16/2025: PGC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $35.5
1 Year Target Price $35.5
| 2 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -25.31% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 516.57M USD | Price to earnings Ratio 16.22 | 1Y Target Price 35.5 |
Price to earnings Ratio 16.22 | 1Y Target Price 35.5 | ||
Volume (30-day avg) 4 | Beta 0.92 | 52 Weeks Range 23.87 - 37.63 | Updated Date 09/15/2025 |
52 Weeks Range 23.87 - 37.63 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 0.68% | Basic EPS (TTM) 1.8 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.58% | Operating Margin (TTM) 19.49% |
Management Effectiveness
Return on Assets (TTM) 0.47% | Return on Equity (TTM) 5.31% |
Valuation
Trailing PE 16.22 | Forward PE 9.6 | Enterprise Value 334200416 | Price to Sales(TTM) 2.17 |
Enterprise Value 334200416 | Price to Sales(TTM) 2.17 | ||
Enterprise Value to Revenue 2.65 | Enterprise Value to EBITDA - | Shares Outstanding 17636300 | Shares Floating 15209272 |
Shares Outstanding 17636300 | Shares Floating 15209272 | ||
Percent Insiders 10.85 | Percent Institutions 76.31 |
Upturn AI SWOT
Peapack-Gladstone Financial
Company Overview
History and Background
Peapack-Gladstone Financial Corporation was founded in 1921 as Peapack-Gladstone Bank. It has evolved from a community bank to a wealth management and commercial banking institution.
Core Business Areas
- Commercial Banking: Provides a range of banking products and services to businesses, including commercial lending, deposit accounts, and cash management services.
- Wealth Management: Offers wealth management, trust, and financial planning services to high-net-worth individuals and families.
- Community Banking: Provides traditional banking services to individuals and small businesses in the local community.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure includes divisions for commercial banking, wealth management, and retail banking.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for various purposes, including expansion, working capital, and equipment financing. Market share data for specific loan types is unavailable; however, they compete with large national and regional banks. Competitors: Bank of America, JP Morgan Chase, Wells Fargo, PNC.
- Wealth Management Services: Provides investment management, financial planning, and trust services to high-net-worth individuals and families. Specific market share data is unavailable. Competitors: Goldman Sachs, Morgan Stanley, UBS.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Market share in their geographical footprint is small compared to national banks. Competitors: Chase, Wells Fargo, PNC.
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing regulation, technological advancements, and intense competition. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
Peapack-Gladstone Financial positions itself as a relationship-focused bank offering personalized service and sophisticated financial solutions. It competes with larger national banks and smaller regional banks.
Total Addressable Market (TAM)
The total addressable market for banking and wealth management in the US is in the trillions of dollars. Peapack-Gladstone Financial is positioned to capture a small but significant share by focusing on high-net-worth clients and commercial businesses in select markets.
Upturn SWOT Analysis
Strengths
- Strong client relationships
- Experienced management team
- Focus on high-net-worth individuals
- Well-capitalized
- Strong local market presence
Weaknesses
- Smaller size compared to national competitors
- Limited geographic footprint
- Dependence on interest rate environment
- Higher cost structure than larger competitors
- Less brand recognition
Opportunities
- Expanding into new markets
- Acquiring smaller banks or wealth management firms
- Investing in technology to improve efficiency
- Increasing cross-selling of products and services
- Capitalizing on regulatory changes
Threats
- Increased competition from national banks and fintech companies
- Economic downturn
- Rising interest rates
- Cybersecurity threats
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- PNC
- USB
Competitive Landscape
Peapack-Gladstone Financial faces intense competition from larger national and regional banks. Its advantages include strong client relationships and personalized service. Disadvantages include smaller size and limited geographic footprint.
Growth Trajectory and Initiatives
Historical Growth: Historical growth unavailable without specific years. Need actual financial data to populate.
Future Projections: Future projections unavailable without specific analyst estimates. Need actual financial data to populate.
Recent Initiatives: Recent strategic initiatives include investments in technology, expansion into new markets, and efforts to increase cross-selling of products and services.
Summary
Peapack-Gladstone Financial is a relatively small but well-established bank focusing on high-net-worth clients and commercial businesses. Its strengths lie in its strong client relationships and personalized service. However, its smaller size and limited geographic footprint pose challenges in competing with larger national banks. Its future success depends on expanding into new markets and investing in technology.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
Disclaimers:
The information provided is for general informational purposes only and should not be construed as financial advice. Market share data is approximate and based on available information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Peapack-Gladstone Financial
Exchange NASDAQ | Headquaters Bedminster, NJ, United States | ||
IPO Launch date 1999-04-27 | President, CEO & Director Mr. Douglas L. Kennedy | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 620 | Website https://www.peapackprivate.com |
Full time employees 620 | Website 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. Peapack-Gladstone Financial Corporation was founded in 1921 and is headquartered in Bedminster, New Jersey.
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