📊 PGC Key Takeaways
Is Peapack Gladstone Financial Corp. (PGC) a Good Investment?
Peapack Gladstone exhibits severe operational deterioration with revenue declining 21.9% YoY while net income remains flat, resulting in abysmal returns (ROE 2%, ROA 0.2%). Critical interest coverage of 0.2x suggests material stress covering interest obligations, indicating fundamental challenges in the bank's core business model.
Peapack Gladstone Financial Corp. Key Strengths (PGC)
- Positive free cash flow generation of $23.3M with strong 28.2% FCF margin
- Solid cash position of $253.4M and conservative leverage profile (Debt/Equity 0.00x)
- Reasonable operating margin of 23.9% and net margin of 17.2% despite revenue pressures
PGC Stock Risks: Peapack Gladstone Financial Corp. Investment Risks
- Critical interest coverage ratio of 0.2x indicates severe difficulty covering interest expenses from operating income
- Abysmal return metrics (ROE 2.0%, ROA 0.2%) well below banking industry standards, signaling structural profitability crisis
- Revenue collapsed 21.9% YoY while net income stagnated, with EPS growth driven by buybacks rather than operational improvement
Key Metrics to Watch
- Interest coverage ratio trending and sustainability of interest expense payments
- Revenue stabilization and margin compression indicators
- Return on equity and return on assets recovery trajectory
Peapack Gladstone Financial Corp. (PGC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 28.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. 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 |
|---|---|---|---|
| Q1 2026 | $64.4M | $7.6M | $0.43 |
| 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 |
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 grade of C with 85% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PGC's key strengths?
Claude: Positive free cash flow generation of $23.3M with strong 28.2% FCF margin. Solid cash position of $253.4M and conservative leverage profile (Debt/Equity 0.00x).
What are the risks of investing in PGC?
Claude: Critical interest coverage ratio of 0.2x indicates severe difficulty covering interest expenses from operating income. Abysmal return metrics (ROE 2.0%, ROA 0.2%) well below banking industry standards, signaling structural profitability crisis.
What is PGC's revenue and growth?
Peapack Gladstone Financial Corp. reported revenue of $82.5M.
Does PGC pay dividends?
Peapack Gladstone Financial Corp. pays dividends, with $0.9M 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 $0.80.
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 grade reflects both perspectives for balanced insights.
What is PGC's fundamental grade?
Based on our AI fundamental analysis in May 2026, Peapack Gladstone Financial Corp. has a C grade with 85% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PGC stock overvalued or undervalued?
Valuation metrics for PGC: ROE of 2.0% (sector avg: 12%), net margin of 17.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is PGC's AI grade for 2026?
Our dual AI analysis gives Peapack Gladstone Financial Corp. a combined C grade 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 $24.6M, with capital expenditures of $1.3M. FCF margin is 28.2%.
How does PGC compare to other Finance stocks?
Vs Finance sector averages: Net margin 17.2% (avg: 25%), ROE 2.0% (avg: 12%), current ratio N/A (avg: 1.2).