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Upturn AI SWOT - About
PGC 
Peapack-Gladstone Financial (PGC)
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Upturn Advisory Summary
07/03/2025: 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 -16.73% | 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 07/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 538.82M USD | Price to earnings Ratio 16.88 | 1Y Target Price 35.5 |
Price to earnings Ratio 16.88 | 1Y Target Price 35.5 | ||
Volume (30-day avg) 4 | Beta 0.86 | 52 Weeks Range 20.84 - 37.71 | Updated Date 07/4/2025 |
52 Weeks Range 20.84 - 37.71 | Updated Date 07/4/2025 | ||
Dividends yield (FY) 0.71% | 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 14.02% | Operating Margin (TTM) 18.87% |
Management Effectiveness
Return on Assets (TTM) 0.47% | Return on Equity (TTM) 5.31% |
Valuation
Trailing PE 16.88 | Forward PE 9.6 | Enterprise Value 403153376 | Price to Sales(TTM) 2.37 |
Enterprise Value 403153376 | Price to Sales(TTM) 2.37 | ||
Enterprise Value to Revenue 2.85 | Enterprise Value to EBITDA - | Shares Outstanding 17735900 | Shares Floating 15296981 |
Shares Outstanding 17735900 | Shares Floating 15296981 | ||
Percent Insiders 10.81 | Percent Institutions 76.7 |
Upturn AI SWOT
Peapack-Gladstone Financial
Company Overview
History and Background
Peapack-Gladstone Financial Corporation was founded in 1921. Initially a local bank serving the Peapack-Gladstone area in New Jersey, it has expanded through organic growth and acquisitions, evolving into a wealth management and commercial banking firm.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services, including loans, deposit accounts, and treasury management solutions to businesses.
- Wealth Management: Provides wealth management services to individuals and families, including investment management, financial planning, and trust services.
- Private Banking: Offers customized banking and financial solutions to high-net-worth individuals and families.
Leadership and Structure
The leadership team includes Doug Kennedy as President and CEO. The organizational structure consists of various departments overseeing commercial banking, wealth management, and operational functions, reporting to the CEO and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides various commercial loan products to businesses for working capital, expansion, and real estate financing. Market share data for specific commercial loan types is granular. Competitors include larger national and regional banks like Bank of America, Wells Fargo, and M&T Bank. No specific revenue data is publicly available for this individual product line.
- Market Share (%): 0
- Market Share (%): 0
- Wealth Management Services: Offers investment management, financial planning, and trust services to high-net-worth individuals and families. Market share data is difficult to ascertain, but the wealth management industry is highly competitive. Competitors include Goldman Sachs, Morgan Stanley, and independent RIAs. No specific revenue data is publicly available for this individual product line.
- Deposit Accounts: Offers a variety of deposit accounts, including checking, savings, and money market accounts for both individuals and businesses. Competitors include Chase, Wells Fargo, and Bank of America. No specific revenue data is publicly available for this individual product line.
- Market Share (%): 0
Market Dynamics
Industry Overview
The banking and wealth management industries are characterized by increasing competition, regulatory changes, and evolving customer expectations. Consolidation is a notable trend, with larger institutions acquiring smaller ones.
Positioning
Peapack-Gladstone Financial positions itself as a relationship-focused provider of commercial banking and wealth management services, emphasizing personalized service and local expertise. Its competitive advantage lies in its strong local presence and focus on high-net-worth clients.
Total Addressable Market (TAM)
The TAM for commercial banking and wealth management is substantial, worth trillions of dollars nationally. Peapack-Gladstone Financial targets a niche segment within this TAM, focusing on affluent individuals and businesses in select markets. Their positioning emphasizes high-touch service, differentiating them from larger, more transactional competitors.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- High-quality customer service
- Sound financial performance
- Focus on affluent clients
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on a relatively small number of key personnel
- Higher operating costs compared to larger institutions
- Vulnerable to regional economic downturns
- Limited product diversification
Opportunities
- Expansion into new markets
- Strategic acquisitions
- Increased demand for wealth management services
- Leveraging technology to improve efficiency
- Growing business lending
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturns
- Interest rate risk
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
- MTB
Competitive Landscape
Peapack-Gladstone Financial's advantages include its strong local presence, high-quality customer service, and focus on affluent clients. Its disadvantages compared to larger competitors include limited geographic reach and higher operating costs.
Major Acquisitions
Murphy Varnish Lofts
- Year: 2023
- Acquisition Price (USD millions): 14.7
- Strategic Rationale: Acquired the residential and commercial condominium units at Murphy Varnish Lofts located in Newark, New Jersey.
Growth Trajectory and Initiatives
Historical Growth: Peapack-Gladstone Financial has demonstrated consistent growth in assets, loans, and deposits over the past several years, driven by organic growth and strategic acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion in key markets, strategic acquisitions, and leveraging technology to improve efficiency. Analyst estimates typically project moderate revenue and earnings growth.
Recent Initiatives: Recent initiatives include investments in technology to enhance customer experience and improve operational efficiency, as well as expansion into new markets through branch openings and acquisitions.
Summary
Peapack-Gladstone Financial is a financially stable institution focused on high-net-worth clients and commercial lending, operating primarily in the New Jersey market. Strengths include customer service and local expertise, but they face the challenge of competing with larger national banks. Growth strategies involve market expansion and technology investment; potential risks include economic downturns and regulatory shifts. Overall, the company appears healthy, but needs to be aware of rising competitive factors in the industry.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Yahoo Finance
- Bloomberg
Disclaimers:
The data provided is based on publicly available information and analyst estimates, and is not financial advice. Market share data is estimated and may not be precise. This information is for illustrative purposes only.
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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