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PGC 
Peapack-Gladstone Financial (PGC)
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Upturn Advisory Summary
12/31/2025: 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 $35.62
1 Year Target Price $35.62
| 2 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -30.3% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 491.17M USD | Price to earnings Ratio 14.66 | 1Y Target Price 35.62 |
Price to earnings Ratio 14.66 | 1Y Target Price 35.62 | ||
Volume (30-day avg) 4 | Beta 0.73 | 52 Weeks Range 23.82 - 35.21 | Updated Date 12/31/2025 |
52 Weeks Range 23.82 - 35.21 | Updated Date 12/31/2025 | ||
Dividends yield (FY) 0.71% | Basic EPS (TTM) 1.9 |
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 14.66 | Forward PE 9.6 | Enterprise Value 276534720 | Price to Sales(TTM) 1.97 |
Enterprise Value 276534720 | Price to Sales(TTM) 1.97 | ||
Enterprise Value to Revenue 2.4 | Enterprise Value to EBITDA - | Shares Outstanding 17558019 | Shares Floating 15165573 |
Shares Outstanding 17558019 | Shares Floating 15165573 | ||
Percent Insiders 10.89 | Percent Institutions 75.3 |
Upturn AI SWOT
Peapack-Gladstone Financial
Company Overview
History and Background
Peapack-Gladstone Financial Corporation (NASDAQ: PGAF) is a bank holding company that operates through its wholly-owned subsidiary, Peapack-Gladstone Bank. Founded in 1921, the bank has a long history of serving individuals, families, and businesses in New Jersey. Its evolution has been marked by steady growth, a focus on personalized service, and strategic expansion of its offerings to meet changing customer needs. Milestones include establishing a strong community banking presence and adapting to regulatory changes.
Core Business Areas
- Commercial and Business Banking: Offers a comprehensive suite of lending and deposit services to small and medium-sized businesses, including commercial real estate loans, business term loans, lines of credit, and treasury management services.
- Consumer Banking: Provides a range of deposit accounts (checking, savings, money market, CDs), personal loans, and mortgages tailored to individual and family financial needs.
- Wealth Management: Through Peapack-Gladstone Bank's wealth management division, the company offers investment advisory, trust services, estate planning, and retirement planning to high-net-worth individuals and families.
Leadership and Structure
Peapack-Gladstone Financial Corporation is led by a Board of Directors and an executive management team. Key leadership roles include the Chief Executive Officer (CEO), Chief Financial Officer (CFO), and heads of various banking and wealth management divisions. The organizational structure is designed to support its community banking model with specialized departments for commercial, retail, and wealth services.
Top Products and Market Share
Key Offerings
- Commercial Loans: Tailored lending solutions for businesses, including real estate, equipment financing, and working capital. Competitors include large national banks, regional banks, and specialized commercial lenders.
- Deposit Accounts: A variety of checking, savings, money market, and certificate of deposit accounts. Competitors include virtually all financial institutions, from large national banks to credit unions and online banks.
- Wealth Management Services: Investment management, financial planning, trust administration, and estate services. Competitors include independent wealth advisors, brokerage firms, and the wealth management arms of larger financial institutions.
Market Dynamics
Industry Overview
The banking industry in the US is highly competitive, characterized by evolving regulatory landscapes, technological advancements (fintech), and changing customer expectations. Community banks like Peapack-Gladstone Financial face pressure from larger institutions with greater resources, but also find opportunities in offering personalized service and specialized expertise. Interest rate environments significantly impact profitability.
Positioning
Peapack-Gladstone Financial positions itself as a community-focused bank offering personalized service and a comprehensive suite of financial products. Its competitive advantages lie in its strong local presence, deep understanding of the New Jersey market, and a dedicated approach to client relationships, particularly in its wealth management segment.
Total Addressable Market (TAM)
The TAM for community banking and wealth management services in its operating region (New Jersey and surrounding areas) is substantial, encompassing individuals and businesses seeking reliable financial partnerships. Peapack-Gladstone Financial targets a specific segment of this market, focusing on those who value personalized service and community banking expertise. While precise TAM figures are dynamic and dependent on economic conditions, the company aims to capture a meaningful share of its targeted demographic within its geographic footprint.
Upturn SWOT Analysis
Strengths
- Strong community ties and local market knowledge
- Reputation for personalized customer service
- Diversified revenue streams through wealth management
- Experienced leadership team
Weaknesses
- Limited geographic reach compared to national banks
- Potentially smaller marketing budgets
- Reliance on interest rate spreads
- Scalability challenges against larger competitors
Opportunities
- Expansion into adjacent geographic markets
- Leveraging technology to enhance digital banking services
- Acquisitions to broaden service offerings or market share
- Growing demand for specialized wealth management services
Threats
- Intense competition from larger banks and fintech companies
- Changes in interest rate environment impacting net interest margins
- Cybersecurity risks and data breaches
- Economic downturns affecting loan demand and credit quality
- Increasing regulatory compliance costs
Competitors and Market Share
Key Competitors
- Valley National Bancorp (VLY)
- Investors Bancorp (ISBC) (Acquired by Two River Bancorp)
- OceanFirst Financial Corp. (OCFC)
- Sterling Bancorp (STL)
- Lakeland Bancorp, Inc. (LBAI)
Competitive Landscape
Peapack-Gladstone Financial competes in a fragmented market. Its advantages include personalized service and deep community roots, which resonate with a specific customer segment. However, it faces disadvantages in scale, marketing reach, and technological investment compared to larger regional and national banks. Its success hinges on its ability to maintain strong client relationships and adapt its service offerings to evolving market demands.
Growth Trajectory and Initiatives
Historical Growth: Historically, Peapack-Gladstone Financial has demonstrated steady, organic growth fueled by strategic lending, customer acquisition, and the expansion of its wealth management services. This growth has often been geographically focused within its core New Jersey markets.
Future Projections: Future projections would depend on analyst assessments of market conditions, the company's strategic initiatives, and its ability to adapt to technological changes and competitive pressures. Key growth drivers are expected to be continued loan expansion, increased fee income from wealth management, and potential strategic acquisitions.
Recent Initiatives: Recent initiatives may include enhancing digital banking platforms, expanding commercial lending teams, developing new wealth management products, or optimizing branch networks to improve efficiency and customer experience.
Summary
Peapack-Gladstone Financial is a well-established community bank with a strong focus on personalized service and a diversified business model including wealth management. Its local market knowledge and client relationships are significant strengths. However, it faces intense competition and scalability challenges. Future growth will depend on its ability to adapt to digital trends, effectively manage interest rate risks, and potentially pursue strategic growth initiatives.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Financial Data Providers (e.g., Yahoo Finance, Seeking Alpha)
- Industry Analysis Reports
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share data is an estimation based on available industry data and may not be precise. Past performance is not indicative of future results. Investors should conduct their own due diligence.
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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