Peapack-Gladstone Financial Corporation (PGC) Fair Value & Analysis

Financial Services · US · Market cap $793M

A solid business, but screening 40% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($34.23). The favourable scenario is already priced in.
• Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $20.23 – $48.33 · fair‑value band $20.54 – $34.23 · the $45.80 price screens above the $27.39 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.

Full chart & analysis →

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Analysis

Peapack-Gladstone Financial Corporation (PGC) currently trades at $45.80, while our model-based Fair Value estimate is $27.39, implying the stock looks roughly 40.2% overvalued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Peapack-Gladstone Financial Corporation generated revenue of $274M at a net margin of 16.0%. Revenue grew 25.5% year over year. It earns a return on equity of 6.6%. Net debt stands at $29.0M. Fundamentals as of Jul 27, 2026

Our scenario range runs from $20.54 (bear case) to $34.23 (bull case); at $45.80, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 2% below its 52-week high and 89% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -40%, PGC screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($27.39) versus Dividend Discount ($2.54). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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. The company was founded in 1921 and is headquartered in Bedminster, New Jersey.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Peapack-Gladstone Financial Corporation 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.

PGC screens 40% overvalued. Compare with PT Bank Central Asia Tbk →

Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

• Peapack-Gladstone Financial Corporation Declares Quarterly Cash Dividend GlobeNewswire · Jul 30, 2026
• Peapack-Gladstone targets 1% ROA and 10% ROE by Q4 2026 while maintaining 6-9 bp 2026 NIM expansion outlook Seeking Alpha · Jul 28, 2026
• Peapack-Gladstone Financial GAAP EPS of $0.85 misses by $0.03, revenue of $86.1M beats by $0.93M Seeking Alpha · Jul 27, 2026
• Peapack-Gladstone Financial Corporation Reports Second Quarter Financial Results GlobeNewswire · Jul 27, 2026

Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Insider activity: 46/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.