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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
10/24/2025: 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 -30.04% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 480.13M USD | Price to earnings Ratio 14.18 | 1Y Target Price 35.5 |
Price to earnings Ratio 14.18 | 1Y Target Price 35.5 | ||
Volume (30-day avg) 4 | Beta 0.87 | 52 Weeks Range 23.87 - 37.63 | Updated Date 10/26/2025 |
52 Weeks Range 23.87 - 37.63 | Updated Date 10/26/2025 | ||
Dividends yield (FY) 0.76% | Basic EPS (TTM) 1.93 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 0.6 | Actual 0.56 |
Profitability
Profit Margin 13.83% | Operating Margin (TTM) 22.69% |
Management Effectiveness
Return on Assets (TTM) 0.48% | Return on Equity (TTM) 5.5% |
Valuation
Trailing PE 14.18 | Forward PE 9.6 | Enterprise Value 270580512 | Price to Sales(TTM) 1.93 |
Enterprise Value 270580512 | Price to Sales(TTM) 1.93 | ||
Enterprise Value to Revenue 2.49 | Enterprise Value to EBITDA - | Shares Outstanding 17548471 | Shares Floating 15113434 |
Shares Outstanding 17548471 | Shares Floating 15113434 | ||
Percent Insiders 10.9 | Percent Institutions 77.15 |
Upturn AI SWOT
Peapack-Gladstone Financial
Company Overview
History and Background
Peapack-Gladstone Financial Corporation was founded in 1921. Initially focused on serving local communities in New Jersey, it has grown into a full-service financial institution, expanding its services and geographic reach over time.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services, including lending, deposit accounts, and cash management solutions to businesses.
- Wealth Management: Provides wealth management services to individuals and families, including financial planning, investment management, and trust services.
- Private Banking: Offers customized banking solutions to high-net-worth individuals, focusing on personalized service and tailored financial strategies.
Leadership and Structure
The company's leadership team includes a Chief Executive Officer (CEO) and other executive officers responsible for overseeing various aspects of the business. The organizational structure typically includes departments for commercial banking, wealth management, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers various commercial loan products for businesses, secured and unsecure. Market share data is not publicly available. Competitors include larger national banks and regional banks.
- Wealth Management Services: Provides wealth management and trust services to high-net-worth individuals and families. Market share data is not publicly available. Competitors include larger national banks, brokerage firms, and independent wealth advisors.
- Deposit Accounts: Offers checking, savings, and money market accounts to both businesses and individuals. Market share data is not publicly available. Competitors include larger national banks and credit unions.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes and economic conditions. Factors include interest rate environments, credit spreads, and market volatility. Community banks are navigating increasing compliance costs and technological changes.
Positioning
Peapack-Gladstone Financial positions itself as a relationship-focused bank offering personalized service and tailored solutions. This strategy helps it compete against larger institutions with a more standardized approach. They are known for their local focus and expertise.
Total Addressable Market (TAM)
The total addressable market for banking and wealth management services is significant. Peapack-Gladstone is positioned to capture a portion of the local regional market. Precise TAM numbers are not directly disclosed, but the financial services market is in the trillions.
Upturn SWOT Analysis
Strengths
- Strong local presence and reputation
- Experienced management team
- Relationship-focused business model
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on the local economy
- Potential technology capabilities lag
Opportunities
- Expansion into new markets
- Increased demand for wealth management services
- Technological advancements to improve efficiency
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns impacting loan performance
- Rising interest rates increasing funding costs
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- JPM
- BAC
- USB
- PNC
Competitive Landscape
Peapack-Gladstone Financial's advantages include its strong local presence and personalized service. Disadvantages include its smaller scale compared to national banks and limited geographic diversification.
Major Acquisitions
Murphy Varnish Lofts
- Year: 2021
- Acquisition Price (USD millions): 50.4
- Strategic Rationale: Expanded Wealth Management service offering and customer base.
Growth Trajectory and Initiatives
Historical Growth: Discuss Peapack-Gladstone Financial's growth trends over the past years by analyzing revenue growth, asset growth, and expansion into new markets. Data available from SEC filings. Provide actual numerical data.
Future Projections: Projections for Peapack-Gladstone Financial's future growth can be found in analyst reports and company presentations. These projections typically include estimates for revenue growth, earnings growth, and asset growth. Provide actual numerical data.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Peapack-Gladstone Financial, such as new product launches, acquisitions, or expansions into new markets. Information from their annual reports or press releases.
Summary
Peapack-Gladstone Financial is a regional bank with a solid local presence and client focused model. Its strengths are its client relationships and experienced leadership. However, it faces challenges from larger banks and the growing need to invest in technology. Future growth depends on successful market expansions and efficient adaptation to changing consumer trends.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share estimates are based on industry averages.
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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