📊 PGC Key Takeaways
Is Peapack Gladstone Financial Corp. (PGC) a Good Investment?
Peapack Gladstone faces significant headwinds with a 21.9% revenue decline and critically concerning interest coverage of 0.6x, indicating operating income is insufficient to cover interest expenses. While free cash flow remains positive and operating margins held steady, the combination of deteriorating earnings quality, minimal returns on equity (5.7%) and assets (0.5%), and compressed profitability metrics suggests fundamental operational challenges in a weakening interest rate environment.
Why Buy Peapack Gladstone Financial Corp. Stock? PGC Key Strengths
- Positive free cash flow generation of $28.8M with 10.2% FCF margin
- Maintained operating margin of 18.5% despite significant top-line contraction
- EPS growth of 13.5% demonstrating effective capital allocation through share repurchases
PGC Stock Risks: Peapack Gladstone Financial Corp. Investment Risks
- Interest coverage ratio of 0.6x is critically low; operating income fails to cover interest expense—indicating severe earnings quality concerns
- Revenue declined 21.9% year-over-year, suggesting significant market share loss or adverse business environment
- Minimal returns on equity (5.7%) and assets (0.5%) indicate poor capital efficiency and value destruction for shareholders
Key Metrics to Watch
- Net interest margin (NIM) trajectory and deposit spreads
- Loan portfolio quality and non-performing asset ratios
- Revenue stabilization and underlying loan/deposit growth rates
Peapack Gladstone Financial Corp. (PGC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
PGC Profit Margin, ROE & Profitability Analysis
PGC vs Finance Sector: How Peapack Gladstone Financial Corp. Compares
How Peapack Gladstone Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Peapack Gladstone Financial Corp. Stock Overvalued? PGC Valuation Analysis 2026
Based on fundamental analysis, Peapack Gladstone Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Peapack Gladstone Financial Corp. Balance Sheet: PGC Debt, Cash & Liquidity
PGC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Peapack Gladstone Financial Corp.'s revenue has grown significantly by 35% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.71 reflects profitable operations.
PGC Revenue Growth, EPS Growth & YoY Performance
PGC Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $56.6M | $7.6M | $0.43 |
| Q2 2025 | $56.6M | $7.5M | $0.42 |
| Q1 2025 | $53.1M | $7.6M | $0.43 |
| Q3 2024 | $55.9M | $7.6M | $0.43 |
| Q2 2024 | $56.6M | $7.5M | $0.42 |
| Q1 2024 | $53.1M | $8.6M | $0.48 |
| Q3 2023 | $55.9M | $8.8M | $0.49 |
| Q2 2023 | $57.5M | $13.1M | $0.73 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Peapack Gladstone Financial Corp. Dividends, Buybacks & Capital Allocation
PGC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Peapack Gladstone Financial Corp. (CIK: 0001050743)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PGC
What is the AI rating for PGC?
Peapack Gladstone Financial Corp. (PGC) has an AI rating of SELL with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PGC's key strengths?
Claude: Positive free cash flow generation of $28.8M with 10.2% FCF margin. Maintained operating margin of 18.5% despite significant top-line contraction.
What are the risks of investing in PGC?
Claude: Interest coverage ratio of 0.6x is critically low; operating income fails to cover interest expense—indicating severe earnings quality concerns. Revenue declined 21.9% year-over-year, suggesting significant market share loss or adverse business environment.
What is PGC's revenue and growth?
Peapack Gladstone Financial Corp. reported revenue of $283.0M.
Does PGC pay dividends?
Peapack Gladstone Financial Corp. pays dividends, with $3.5M distributed to shareholders in the trailing twelve months.
Where can I find PGC SEC filings?
Official SEC filings for Peapack Gladstone Financial Corp. (CIK: 0001050743) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PGC's EPS?
Peapack Gladstone Financial Corp. has a diluted EPS of $2.10.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is PGC a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Peapack Gladstone Financial Corp. has a SELL rating with 72% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is PGC stock overvalued or undervalued?
Valuation metrics for PGC: ROE of 5.7% (sector avg: 12%), net margin of 13.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy PGC stock in 2026?
Our dual AI analysis gives Peapack Gladstone Financial Corp. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PGC's free cash flow?
Peapack Gladstone Financial Corp.'s operating cash flow is $43.1M, with capital expenditures of $14.3M. FCF margin is 10.2%.
How does PGC compare to other Finance stocks?
Vs Finance sector averages: Net margin 13.2% (avg: 25%), ROE 5.7% (avg: 12%), current ratio N/A (avg: 1.2).