Peapack-Gladstone Financial (PGC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Peapack-Gladstone Financial stock $27.52, price $45.90, that is 40.0% below the price, quality 47 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Peapack-Gladstone Financial
PGC · USOur calculation puts a fair price 40% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $20.23 – $48.33 · fair‑value band $25.71 – $34.66 · the $45.90 price screens above the $27.52 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Company profile
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.
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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.
The company was founded in 1921 and is headquartered in Bedminster, New Jersey.
Stock analysis
Peapack-Gladstone Financial (PGC) currently trades at $45.90, while our model-based Fair Value estimate is $27.52, 40% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $34.28 per share, and 0 of the 6 models we run sit above the $45.90 price.
Bear case: the Dividend Discount group reads lowest at $2.85, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $25.71 (bear) to $34.66 (bull), the price of $45.90 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Peapack-Gladstone Financial reported revenue of $441M in FY2025 versus $229M in FY2021, a compound +17.9%/yr. Reported net income was $37.3M in FY2025, compounding −9.9%/yr from FY2021.
Key figures
Market cap $836M Small · P/E ratio 13.6 · P/S ratio 2.77 · EPS (TTM) $3.38 · Dividend yield 0.1% · Net margin 20.3% · Return on equity 8.9% · Return on assets (EBIT) 0.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 55 out of 100 (medium confidence).
What moves the price
The share trades about 5% below its 52-week high and 85% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −40%, PGC screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 6 officers or directors sold shares worth $650,169 and none bought.
- SaleMaureen HemhauserEVP & Chief Risk Officer2× since Feb 9, 2026: 7,569 shares, avg. $38.54$291,731Sep 21, 2026
- SaleGregory Martin SmithSEVP, President Comml Banking1,250 shares at $44.66$55,825Sep 2, 2026
- SaleLisa ChalkanEVP, Chief Credit Officer1,100 shares at $47.60$52,360Jun 29, 2026
- SaleJohn P BabcockSEVP & Pres of Priv Wealth Mgt5,000 shares at $47.11$235,550Jun 29, 2026
- SaleFrancesco S RossiSVP/Chief Accounting Officer2,484 shares at $45.52$113,074Jun 11, 2026
- SaleAnthony W. SpinelliDirector2,000 shares at $44.63$89,260Jun 8, 2026
- BuyFrank A. CavallaroSEVP & Chief Financial Officer2,890 shares at $34.95$101,000Mar 31, 2026
- BuyPatrick CampionDirector1,430 shares at $34.97$49,993Mar 30, 2026
- Plan buyDouglas L KennedyPresident & CEO11,296 shares at $35.21$397,732Mar 30, 2026
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
PGC screens overvalued: fair value 40% below the price. Compare with China Merchants Bank Co →
Compare Peapack-Gladstone Financial with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- P/S ratio by industry
- EBIT margin by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs PGC |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs PGC |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs PGC |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs PGC |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs PGC |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs PGC |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs PGC |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs PGC |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs PGC |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs PGC |
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Key figures of Peapack-Gladstone Financial
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