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Upturn AI Summary - About
Peapack-Gladstone Financial(PGC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PGC
10/08/2026: PGC (1-star) is currently NOT-A-BUY. Pass it for now.
Peapack-Gladstone Financial is a regional bank and wealth management firm focused on the high-net-worth market in New Jersey. The company's primary strength lies in its specialized private banking model, which combines personalized client services with recurring fee income from wealth management. Its main growth opportunity involves expanding its wealth management footprint and improving digital efficiencies. However, the firm faces risks related to geographic concentration, interest rate sensitivity, and competition from both larger banks and agile fintech competitors. The stock may suit investors seeking exposure to a regional financial institution with a stable, fee-based revenue component, provided they monitor the company's interest rate sensitivity and regional economic health.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely organic and tied to regional economic trends rather than aggressive expansion. |
| Momentum investor | Mixed fit | Momentum is conditional on positive trends in regional banking sentiment and interest rate stability. |
| Value investor | Strong fit | The stock often trades at valuations reflective of regional bank earnings and book value. |
| Dividend investor | Strong fit | Consistent dividend payments make it a potential candidate for income-focused portfolios. |
| Low-risk investor | Mixed fit | While generally stable, the banking sector carries inherent interest rate and credit cycle risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Bank stocks are sensitive to macroeconomic shifts and interest rate policy changes. |
| Valuation risk | Medium | The stock price is tied to earnings cycles common to the regional banking industry. |
| Competition risk (regional banking) | High | Intense competition for deposits and loans from larger players limits pricing power. |
| Business quality | Medium | The niche private banking model provides stability but lacks the scale of national competitors. |
| Dividend income | Medium | Dividends are subject to board approval and profitability in a fluctuating rate environment. |
| Execution risk | Medium | Successful implementation of wealth management and banking strategies requires precise operational execution. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 31.57% | Avg. Invested days 60 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/08/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 769.57M USD | Price to earnings Ratio 15.39 | 1Y Target Price 56 |
Price to earnings Ratio 15.39 | 1Y Target Price 56 | ||
Volume (30-day avg) 127.7K shares | Beta 0.72 | 52 Weeks Range 24.57 - 49.09 | Updated Date 10/08/2026 |
52 Weeks Range 24.57 - 49.09 | Updated Date 10/08/2026 | ||
Dividends yield (FY) 0.45% | Basic EPS (TTM) 2.82 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Private Banking | Interest income from commercial and consumer loans and fees from deposit services. | The bank earns money primarily by lending out deposited funds and charging service fees. |
| Wealth Management | Asset management fees, trust services, and financial advisory revenue. | The bank generates steady non-interest income by managing money for high-net-worth clients. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 15.39 | Forward PE 9.6 | Enterprise Value 651.31M | Price to Sales(TTM) 2.67 |
Enterprise Value 651.31M | Price to Sales(TTM) 2.67 | ||
Enterprise Value to Revenue 3.01 | Enterprise Value to EBITDA - | Shares Outstanding 17.73M | Shares Floating 15.32M |
Shares Outstanding 17.73M | Shares Floating 15.32M | ||
Percent Insiders 11.24 | Percent Institutions 79.11 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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