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Peapack-Gladstone Financial (PGC) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Peapack-Gladstone Financial $27.52, price $44.38, upside -38.0%, quality 53 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

Fair value above price? No
Good quality? Yes
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Financial Services · US · ISIN US7046991078

Broad data Sep 23, 2026

Peapack-Gladstone Financial

PGC · US

Stretched ValuationStrong overvaluation with only moderate quality.

!Fair value $27.52 · Strongly overvalued (−38%)

!Quality 53/100

!Mixed Growth (revenue 5y +14.2 %/yr)

✓Solidly profitable · 16.0% net margin (TTM)

✓Low debt · generates free cash flow

·0.45% dividend yield

!Trails peers (4/15)

!Moderate moat 50/100

!Weak on past: 27 out of 100

!Weak on dividend: 9 out of 100

26 models, one by oneBear $22.81 to bull $34.67 Growth analysisrevenue history, year by year Quality 53/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $20.23 – $48.33 · fair‑value band $22.81 – $34.67 · the $44.38 price screens above the $27.52 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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. 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 $44.38, while our model-based Fair Value estimate is $27.52, implying the stock looks roughly 61.3% overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of $27.39 per share, and 0 of the 6 models we run sit above the $44.38 price.

Bear case: the Asset-Based group reads lowest at $24.89, and 6 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: $22.81 (bear) to $34.67 (bull), the price of $44.38 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 53/100 (solid 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 $786M · P/E ratio 18.0 · P/S ratio 1.52 · EPS (TTM) $2.47 · Dividend yield 0.5% · Net margin 8.5% · Return on equity 6.6% · Return on assets (EBIT) 0.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).

What moves the price

The share trades about 8% below its 52-week high and 80% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −38%, PGC screens richer than that median.

Fair Value models

Bear $22.81 Fair Value $27.52 Bull $34.67

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.66 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Highest evidence

Residual Income $27.10 $26.86 $24.48 76

Gordon GGM $1.54 $2.78 $3.83 68

DDM Multi-Stage $1.54 $2.54 $2.97 67

All 6 models by family

Dividend Discount

Gordon GGM $1.54 $2.78 $3.83 68

DDM Multi-Stage $1.54 $2.54 $2.97 67

Multiples

P/E Multiple $20.54 $27.39 $34.23 63

P/B Multiple $26.86 $35.81 $44.77 55

Asset-Based

NCAV (Graham) $18.57 $24.89 $37.15 54

Economic Profit

Residual Income $27.10 $26.86 $24.48 76

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Quality Score breakdown

Overall quality 53/100

Of which business quality 45 · Market factors (momentum, volatility) 76

Profitability 20

Margins and returns on capital today

Quality Growth 63

Are margins and returns improving?

Cashflow 44

Earnings quality: real cash, not paper profit

Fin. Strength 8

Balance sheet, leverage, solvency risk

Investment 76

Disciplined investing over empire-building

Low Volatility 74

Calm price path (market factor)

Momentum 70

Price trend over the last 3–12 months (market factor)

52W Momentum 88

Distance to the 52-week high (market factor)

Net Issuance 93

Share count: buybacks or dilution?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 90/100

Revenue is growing, but margins or cash flow do not fully confirm the trend.

Revenue growth 1 year

+9.5%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+17.1%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+14.2%

Start year 2020 (pandemic). Over 10 years: +13.9% a year

Revenue growth 28 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+14.0%

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.

−2.4%

Earnings growth per share plus dividend.

Earnings per share, growth per year−2.9%

Dividend (yield on the price)0.5%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−3% vs 5%, slowing

Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.14% → 12%

Start year 2020 (pandemic)

Growth Forecast

A lot of optimism in the price

The price assumes less growth than the company has delivered so far and more than analysts expect.

What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).

+10.7%

Yearly growth needed for the next five years to justify today's price.

What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.

+2.4%

Yearly sales growth analysts expect, extended to five years.

After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +8.1% a year for the price and +0.0% for the forecasts.

Forecast 2026 (sales)−22.0%

Forecast 2027 (sales)+11.4%

Projected 2028 (sales)+10.2%

Projected 2029 (sales)+9.0%

Projected 2030 (sales)+7.9%

PGC screens 61% overvalued. Compare with DBS Group →

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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 · 1074 stocks

Beats the industry median on 4/15 measures

Overall it trails its industry peers.

Valuation

Quality Score 51 · Below median

Fair Value upside −38% · Bottom 25%

Profitability

Return on equity (TTM) 7% · Below median

Return on assets 1% · Below median

Net margin (TTM) 16% · Bottom 25%

Operating margin (TTM) 28% · Below median

Growth and dividend

Revenue growth 26% · Top 25%

Dividend yield (TTM) 0.5% · Bottom 25%

Balance sheet

Debt / equity 0.15× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 18.0× · Priciest 25%

P/B 1.19× · Pricier than median

P/S (TTM) 2.87× · Cheaper than median

P/FCF 27.5× · Priciest 25%

EV/EBITDA 11.0× · Pricier than median

PEG 0.64× · Cheapest 25%

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)0 · sector 12

FUTURE (revenue growth)100 · sector 45

PAST (return on equity)27 · sector 41

HEALTH (low debt)93 · sector 85

DIVIDEND (yield)9 · sector 53

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

Context: sector, industry, market

Values & ESG

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

None of the checked exposures detected

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Oversea-Chinese Banking Corporation O39	32.14 SGD	19.80 SGD	−38%

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Peapack-Gladstone Financial · Fair Value
$27.52 −61%Fair Value
Calculator →

<a href="https://www.fairvalue-calculator.com/stock/PGC" target="_blank" rel="nofollow noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">Peapack-Gladstone Financial · Fair Value</span><br><b style="font-size:20px">$27.52</b> <span style="color:#e0816f;font-weight:700;font-size:14px">−61%</span></span><span style="font-size:11px;color:var(--fvc-g-mitte);font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "Peapack-Gladstone Financial Fair Value". https://www.fairvalue-calculator.com/stock/PGC

Frequently asked questions

Is Peapack-Gladstone Financial (PGC) overvalued or undervalued?

As of Sep 23, 2026, our model estimates a fair value of $27.52 versus a price of $44.38, about −38% upside (overvalued).

What is the fair value of PGC?

Our model-based fair value for Peapack-Gladstone Financial is $27.52 (as of Sep 23, 2026), built from audited fundamentals. The current price: $44.38.

What is the quality score of PGC?

Peapack-Gladstone Financial has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Peapack-Gladstone Financial (PGC)?

Our model-based price target is the fair value of $27.52 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $22.81, optimistic scenario $34.67. It is a calculation from audited fundamentals, not an analyst target.

What is the Peapack-Gladstone Financial stock forecast for 2026?

Our models put fair value at $27.52, about −38% upside versus a price of $44.38 (overvalued). Cautious scenario $22.81, optimistic scenario $34.67. The calculation is refreshed regularly with new filings.

What is the revenue of Peapack-Gladstone Financial (PGC)?

Peapack-Gladstone Financial reported trailing-twelve-month revenue of about $274M (latest available figure, as of Sep 23, 2026).

Does Peapack-Gladstone Financial pay a dividend?

Peapack-Gladstone Financial currently shows a dividend yield of about 0.45% relative to its recent price (as of Sep 23, 2026).

What growth is priced into Peapack-Gladstone Financial (PGC)?

For today's price to be fair in a discounted-cash-flow model, Peapack-Gladstone Financial would have to grow free cash flow by +10.7 % per year for five years (discount rate 10.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +14.2 % per year. As of Sep 23, 2026.

What discount rate (WACC) does the fair value of PGC use?

Our models discount Peapack-Gladstone Financial at 10.5 %: a base by market capitalisation (small), damped by beta 0.73, country premium for USA. The same rate applies in all 26 models.

What is a reverse DCF?

A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Peapack-Gladstone Financial that is +10.7 % per year a year over ten years, using the same discount rate (10.5 %) and the same formula as our fair value.

How much growth has Peapack-Gladstone Financial (PGC) delivered so far?

Over the past 5 years revenue at Peapack-Gladstone Financial grew +14.2 % a year. The price currently implies +10.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.

How fast is the sector of Peapack-Gladstone Financial (PGC) growing?

The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Peapack-Gladstone Financial (+10.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.

What is the free cash flow yield of Peapack-Gladstone Financial (PGC)?

The free-cash-flow yield on the price is 3.64 %: that much free cash flow Peapack-Gladstone Financial produces per unit of market value. When it exceeds the discount rate of our models (10.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.

What is the intrinsic value of Peapack-Gladstone Financial (PGC)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Peapack-Gladstone Financial it is $27.52 per share (as of Sep 23, 2026), against a price of $44.38. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).

Is Peapack-Gladstone Financial stock overvalued or undervalued in 2026?

As of Sep 23, 2026, PGC trades above its calculated fair value: price $44.38, fair value $27.52, a gap of about −38% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of PGC?

No. The price is what the market pays today ($44.38); the fair value is what the company's own numbers justify ($27.52). For Peapack-Gladstone Financial the two are $16.86 per share apart. That gap is exactly why we show both numbers side by side.

How much is Peapack-Gladstone Financial worth?

The market values Peapack-Gladstone Financial at about $786M (market capitalisation, as of Sep 23, 2026). Per share that is $44.38; our models calculate a fair value of $27.52 per share.

What do the bullish and bearish scenarios say about PGC?

Our models span a range for Peapack-Gladstone Financial: cautious scenario $22.81, base $27.52, optimistic $34.67 per share (as of Sep 23, 2026, price $44.38). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of PGC?

Peapack-Gladstone Financial trades at a price-to-earnings ratio of 18.0 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $27.52 is built from several models across several years. Other multiples: PEG 0.6, P/B 1.2, P/S 2.9, EV/EBITDA 11.0.

What is the PEG ratio of PGC?

The PEG ratio of Peapack-Gladstone Financial is 0.64 (P/E divided by earnings growth, as of Sep 23, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.

How solid is the balance sheet of Peapack-Gladstone Financial (PGC)?

Balance-sheet figures for Peapack-Gladstone Financial (as of Sep 23, 2026): return on equity 6.6%, debt of 0.15 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.

How far is PGC from its 52-week high?

Peapack-Gladstone Financial trades at $44.38, about 8% below its 52-week high of $48.33 and 80% above the low of $24.65 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $27.52 is for.

Which stocks are comparable to Peapack-Gladstone Financial?

From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Peapack-Gladstone Financial stock attractive at the current price?

The data as of Sep 23, 2026: price $44.38, calculated fair value $27.52 (−38%), Quality Score 53/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of PGC calculated?

We run Peapack-Gladstone Financial through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $27.52, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 14.1 % above its aggregate fair value. Peapack-Gladstone Financial itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of Peapack-Gladstone Financial (PGC)?

The closing price on Sep 23, 2026 was $44.38. Our model-based fair value is $27.52, about −38% upside (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Peapack-Gladstone Financial right now?

The price sits above even our optimistic bull case ($34.67). The favourable scenario is already priced in. Solid but not exceptional quality (53/100) 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.

Where does the earnings growth of Peapack-Gladstone Financial (PGC) come from?

Earnings per share at Peapack-Gladstone Financial grew +3.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +12.0 %, EBIT margin −8.8 %, tax rate +1.7 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Peapack-Gladstone Financial

How large is the market capitalisation of Peapack-Gladstone Financial (PGC)?

The market capitalisation of Peapack-Gladstone Financial is $786M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of Peapack-Gladstone Financial (PGC)?

The price-to-sales ratio of Peapack-Gladstone Financial is 1.52 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Peapack-Gladstone Financial (PGC)?

Earnings per share at Peapack-Gladstone Financial are $2.47 (price ÷ EPS = P/E 18.0). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of Peapack-Gladstone Financial (PGC)?

The dividend yield of Peapack-Gladstone Financial is 0.5% (payout 8.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of Peapack-Gladstone Financial (PGC)?

The net margin of Peapack-Gladstone Financial is 8.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of Peapack-Gladstone Financial (PGC)?

The return on equity (ROE) of Peapack-Gladstone Financial is 6.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of Peapack-Gladstone Financial (PGC)?

On an EBIT basis the return on assets of Peapack-Gladstone Financial is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of Peapack-Gladstone Financial (PGC)?

The operating margin of Peapack-Gladstone Financial is 28.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Peapack-Gladstone Financial (PGC)?

Revenue at Peapack-Gladstone Financial is growing +25.5% versus a year earlier (3y avg +17.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at Peapack-Gladstone Financial (PGC)?

Earnings per share at Peapack-Gladstone Financial are growing +86.0% versus a year earlier. How much earnings per share grew versus a year earlier.

How much net debt does Peapack-Gladstone Financial (PGC) carry?

The net debt of Peapack-Gladstone Financial is $29.0M (fiscal year 2025, ≈ 1.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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