Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
PGC 
Peapack-Gladstone Financial (PGC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
12/01/2025: 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 $34.62
1 Year Target Price $34.62
| 2 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -30.02% | 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 12/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 478.82M USD | Price to earnings Ratio 14.07 | 1Y Target Price 34.62 |
Price to earnings Ratio 14.07 | 1Y Target Price 34.62 | ||
Volume (30-day avg) 4 | Beta 0.73 | 52 Weeks Range 23.82 - 37.37 | Updated Date 12/1/2025 |
52 Weeks Range 23.82 - 37.37 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 0.74% | Basic EPS (TTM) 1.93 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.83% | Operating Margin (TTM) 22.69% |
Management Effectiveness
Return on Assets (TTM) 0.48% | Return on Equity (TTM) 5.5% |
Valuation
Trailing PE 14.07 | Forward PE 9.6 | Enterprise Value 264337856 | Price to Sales(TTM) 1.92 |
Enterprise Value 264337856 | Price to Sales(TTM) 1.92 | ||
Enterprise Value to Revenue 2.35 | Enterprise Value to EBITDA - | Shares Outstanding 17558019 | Shares Floating 15165573 |
Shares Outstanding 17558019 | Shares Floating 15165573 | ||
Percent Insiders 10.89 | Percent Institutions 75.12 |
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 organization.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses of all sizes, including commercial real estate, equipment financing, and working capital loans.
- Wealth Management: Provides financial planning, investment management, trust and estate services to high-net-worth individuals, families, and institutions.
- Community Banking: Provides traditional banking services to individual customers.
Leadership and Structure
The company is led by a board of directors and a senior management team. Doug Kennedy is the President and CEO. The organizational structure includes departments focused on commercial banking, wealth management, finance, operations, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for business expansion, acquisitions, and real estate projects. No specific market share data available. Competitors include larger regional and national banks like PNC, Bank of America, and Wells Fargo, as well as smaller community banks.
- Wealth Management Services: Offers personalized investment advice, portfolio management, and financial planning services. No specific market share data available, wealth management is competitive with major brokerage houses like Goldman Sachs and Morgan Stanley and regional players like Stifel. Revenue generation from fees and assets under management (AUM).
- Deposit Accounts: Checking, savings, and money market accounts for both individuals and businesses. No specific market share data available. Competitors include all banks offering similar services.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, economic fluctuations, and technological advancements. The current environment involves rising interest rates, inflation concerns, and potential recessionary pressures.
Positioning
Peapack-Gladstone Financial positions itself as a relationship-focused bank that provides personalized service and tailored solutions. Its competitive advantage lies in its local market knowledge and responsiveness to client needs.
Total Addressable Market (TAM)
The total addressable market encompasses all potential clients for commercial banking and wealth management services in the region. Estimating the exact TAM is challenging, but it is substantial given the wealth and business activity in the New Jersey and surrounding markets. Peapack-Gladstone is positioned to capture a portion of this TAM through its targeted approach.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Relationship-based approach
- Diversified revenue streams (commercial banking and wealth management)
Weaknesses
- Smaller size compared to larger competitors
- Limited geographic reach
- Potential for higher operating costs relative to larger institutions
- Dependence on key personnel
Opportunities
- Expansion into new markets
- Acquisition of smaller banks or wealth management firms
- Increased adoption of digital banking technologies
- Growth in wealth management AUM
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn and rising interest rates
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- BAC
- WFC
- MTB
- USB
Competitive Landscape
Peapack-Gladstone Financial's advantages include personalized service and local market knowledge, while its disadvantages include smaller size and limited geographic reach compared to larger competitors.
Major Acquisitions
Murphy & Boyle Investment Management
- Year: 2017
- Acquisition Price (USD millions): 12.8
- Strategic Rationale: Expanded wealth management capabilities and client base.
Growth Trajectory and Initiatives
Historical Growth: Discuss Peapack-Gladstone Financial's growth trends over the past years based on the company's reports.
Future Projections: Provide projections for Peapack-Gladstone Financial's future growth based on analyst estimates from reputable financial news sources.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Peapack-Gladstone Financial based on press releases and investor presentations.
Summary
Peapack-Gladstone Financial is a well-established community bank with a growing wealth management business. Its strength lies in its relationship-based approach and local market expertise. The company faces challenges from larger competitors and economic uncertainties, but has opportunities for growth through expansion and technology adoption. Continued success depends on its ability to maintain strong asset quality and adapt to the evolving financial landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company reports
- SEC filings
- Analyst reports
- Financial news sources
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary depending on the source. Financial data should be verified through official company filings.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.