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Upturn AI SWOT - About
PGC 
Peapack-Gladstone Financial (PGC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: PGC (1-star) is currently NOT-A-BUY. Pass it for now.
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 -25.46% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 509.69M USD | Price to earnings Ratio 15.97 | 1Y Target Price 35.5 |
Price to earnings Ratio 15.97 | 1Y Target Price 35.5 | ||
Volume (30-day avg) 4 | Beta 0.9 | 52 Weeks Range 23.87 - 37.63 | Updated Date 08/28/2025 |
52 Weeks Range 23.87 - 37.63 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 0.69% | Basic EPS (TTM) 1.81 |
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 15.97 | Forward PE 9.6 | Enterprise Value 328946048 | Price to Sales(TTM) 2.14 |
Enterprise Value 328946048 | Price to Sales(TTM) 2.14 | ||
Enterprise Value to Revenue 2.62 | Enterprise Value to EBITDA - | Shares Outstanding 17636300 | Shares Floating 15209272 |
Shares Outstanding 17636300 | Shares Floating 15209272 | ||
Percent Insiders 10.85 | Percent Institutions 76.24 |
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 grown from a local community bank to a financial services company offering wealth, lending and deposit solutions.
Core Business Areas
- Commercial Banking: Provides commercial lending, deposit products, and cash management services to businesses of various sizes.
- Wealth Management: Offers wealth advisory, investment management, trust and estate administration, and financial planning services to high-net-worth individuals and families.
- Retail Banking: Provides a range of personal banking services, including checking and savings accounts, mortgages, and personal loans.
Leadership and Structure
The leadership team consists of Doug Kennedy (President & CEO) and prominent board members. The organizational structure includes commercial banking, wealth management, and retail banking divisions, each headed by senior executives.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans for businesses, including term loans, lines of credit, and commercial real estate financing. Market share data is difficult to obtain at a granular product level. Competitors include larger national banks and other regional banks.
- Wealth Management Services: Includes investment management, financial planning, and trust services. Market share is fragmented. Competitors include large brokerage firms, RIAs, and trust companies.
- Deposit Accounts: Checking, savings, and money market accounts. Market share is based on deposit base in their service area. Competitors include national and regional banks.
Market Dynamics
Industry Overview
The banking industry is facing increasing competition, regulatory pressures, and technological advancements. The wealth management sector is growing due to increasing affluence.
Positioning
Peapack-Gladstone Financial is positioned as a high-touch, relationship-focused financial services provider, differentiating itself from larger, more impersonal competitors.
Total Addressable Market (TAM)
The TAM includes the market for banking services and wealth management within their geographic footprint. Precise TAM figures are difficult to ascertain, but the bank is positioned to capture market share through personalized services and local market expertise.
Upturn SWOT Analysis
Strengths
- Strong relationship-based approach
- Experienced management team
- Solid financial performance
- Wealth Management expertise
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Higher expense ratio than larger competitors
Opportunities
- Expansion into new markets
- Acquisition of smaller financial institutions
- Increased demand for wealth management services
- Leveraging technology for efficiency
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan quality
- Regulatory changes
- Interest rate volatility
Competitors and Market Share
Key Competitors
- PNC
- USB
- JPM
Competitive Landscape
Peapack-Gladstone Financial competes with larger national and regional banks, as well as wealth management firms. Its advantage lies in its personalized service and local market knowledge, while its disadvantage is its smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Analysis needed based on financial data.
Future Projections: Data needed from Analyst Estimations.
Recent Initiatives: Strategic initiatives should be discussed and added to the description.
Summary
Peapack-Gladstone Financial is a relationship-focused bank with a strong wealth management business, and has been in operation since 1921. Its strengths include its experienced management team and solid financial performance; its main weaknesses are its limited geographical reach and smaller scale compared to larger competitors. Its future depends on its ability to expand into new markets and efficiently manage its expenses while navigating an increasingly competitive market. The company needs to keep an eye on competition from fintech and larger banks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Analyst Reports
- Third-party financial data providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data and estimates are subject to change.
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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