Peapack Gladstone Financial (PGC)
Market Price (5/14/2026): $41.65 | Market Cap: $732.5 MilSector: Financials | Industry: Regional Banks
Peapack Gladstone Financial (PGC)
Market Price (5/14/2026): $41.65Market Cap: $732.5 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.5%, FCF Yield is 8.7% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -27% Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 26% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 26%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 22% Low stock price volatilityVol 12M is 33% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Wealth Management Technology, and Digital Payments. | Trading close to highsDist 52W High is -3.6%, Dist 3Y High is -3.6% Weak multi-year price returns3Y Excs Rtn is -7.2% | Key risksPGC key risks include [1] potential credit stress in its Commercial & Industrial (C&I) loan portfolio and [2] intense market competition from larger institutions. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.5%, FCF Yield is 8.7% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -27% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 26% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 26%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 22% |
| Low stock price volatilityVol 12M is 33% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Wealth Management Technology, and Digital Payments. |
| Trading close to highsDist 52W High is -3.6%, Dist 3Y High is -3.6% |
| Weak multi-year price returns3Y Excs Rtn is -7.2% |
| Key risksPGC key risks include [1] potential credit stress in its Commercial & Industrial (C&I) loan portfolio and [2] intense market competition from larger institutions. |
Qualitative Assessment
AI Analysis | Feedback
1. Peapack Gladstone Financial (PGC) reported exceptional financial results for the first quarter of 2026, significantly exceeding analyst expectations. The company's net income surged by 86% year-over-year to $14.2 million, and diluted earnings per share (EPS) reached $0.80, surpassing analyst estimates of $0.68. Total revenue also saw a substantial increase of 28% year-over-year, totaling $82.5 million. This marks the sixth consecutive quarter of core earnings growth for PGC.
2. The company demonstrated robust net interest margin (NIM) expansion and improved operational efficiency. PGC's net interest margin increased by 18 basis points quarter-over-quarter to 3.26% in Q1 2026, and by 58 basis points from Q1 2025. Concurrently, the efficiency ratio continued its downward trend for the sixth consecutive quarter, falling from 76.82% in Q1 2025 to 67.21% in Q1 2026, reflecting enhanced operating leverage.
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Stock Movement Drivers
Fundamental Drivers
The 31.5% change in PGC stock from 1/31/2026 to 5/13/2026 was primarily driven by a 13.0% change in the company's Net Income Margin (%).| (LTM values as of) | 1312026 | 5132026 | Change |
|---|---|---|---|
| Stock Price ($) | 31.64 | 41.59 | 31.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 260 | 294 | 12.9% |
| Net Income Margin (%) | 13.2% | 14.9% | 13.0% |
| P/E Multiple | 16.2 | 16.7 | 3.1% |
| Shares Outstanding (Mil) | 18 | 18 | -0.1% |
| Cumulative Contribution | 31.5% |
Market Drivers
1/31/2026 to 5/13/2026| Return | Correlation | |
|---|---|---|
| PGC | 31.5% | |
| Market (SPY) | 7.6% | 36.4% |
| Sector (XLF) | -4.1% | 53.2% |
Fundamental Drivers
The 65.1% change in PGC stock from 10/31/2025 to 5/13/2026 was primarily driven by a 21.0% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 5132026 | Change |
|---|---|---|---|
| Stock Price ($) | 25.18 | 41.59 | 65.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 246 | 294 | 19.4% |
| Net Income Margin (%) | 13.2% | 14.9% | 13.6% |
| P/E Multiple | 13.8 | 16.7 | 21.0% |
| Shares Outstanding (Mil) | 18 | 18 | 0.7% |
| Cumulative Contribution | 65.1% |
Market Drivers
10/31/2025 to 5/13/2026| Return | Correlation | |
|---|---|---|
| PGC | 65.1% | |
| Market (SPY) | 9.5% | 34.7% |
| Sector (XLF) | -1.8% | 51.1% |
Fundamental Drivers
The 51.5% change in PGC stock from 4/30/2025 to 5/13/2026 was primarily driven by a 31.8% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 4302025 | 5132026 | Change |
|---|---|---|---|
| Stock Price ($) | 27.45 | 41.59 | 51.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 223 | 294 | 31.8% |
| Net Income Margin (%) | 14.8% | 14.9% | 0.9% |
| P/E Multiple | 14.6 | 16.7 | 13.9% |
| Shares Outstanding (Mil) | 18 | 18 | 0.0% |
| Cumulative Contribution | 51.5% |
Market Drivers
4/30/2025 to 5/13/2026| Return | Correlation | |
|---|---|---|
| PGC | 51.5% | |
| Market (SPY) | 35.4% | 38.6% |
| Sector (XLF) | 6.2% | 55.2% |
Fundamental Drivers
The 60.2% change in PGC stock from 4/30/2023 to 5/13/2026 was primarily driven by a 166.2% change in the company's P/E Multiple.| (LTM values as of) | 4302023 | 5132026 | Change |
|---|---|---|---|
| Stock Price ($) | 25.96 | 41.59 | 60.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 237 | 294 | 23.7% |
| Net Income Margin (%) | 31.3% | 14.9% | -52.2% |
| P/E Multiple | 6.3 | 16.7 | 166.2% |
| Shares Outstanding (Mil) | 18 | 18 | 1.9% |
| Cumulative Contribution | 60.2% |
Market Drivers
4/30/2023 to 5/13/2026| Return | Correlation | |
|---|---|---|
| PGC | 60.2% | |
| Market (SPY) | 85.5% | 43.3% |
| Sector (XLF) | 61.3% | 59.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| PGC Return | 57% | 6% | -19% | 8% | -12% | 51% | 91% |
| Peers Return | 34% | -8% | -3% | 12% | 15% | 10% | 71% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 8% | 97% |
Monthly Win Rates [3] | |||||||
| PGC Win Rate | 83% | 58% | 42% | 50% | 42% | 100% | |
| Peers Win Rate | 67% | 45% | 50% | 52% | 57% | 56% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| PGC Max Drawdown | 0% | -21% | -40% | -31% | -23% | -0% | |
| Peers Max Drawdown | -1% | -18% | -34% | -21% | -18% | -1% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: VLY, PFS, OCFC, MTB, WBS.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/13/2026 (YTD)
How Low Can It Go
| Event | PGC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -28.0% | -18.8% |
| % Gain to Breakeven | 39.0% | 23.1% |
| Time to Breakeven | 300 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -26.6% | -9.5% |
| % Gain to Breakeven | 36.2% | 10.5% |
| Time to Breakeven | 60 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -37.9% | -6.7% |
| % Gain to Breakeven | 61.1% | 7.1% |
| Time to Breakeven | 1070 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -21.6% | -24.5% |
| % Gain to Breakeven | 27.6% | 32.4% |
| Time to Breakeven | 33 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -59.2% | -33.7% |
| % Gain to Breakeven | 144.9% | 50.9% |
| Time to Breakeven | 353 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -20.9% | -19.2% |
| % Gain to Breakeven | 26.5% | 23.7% |
| Time to Breakeven | 321 days | 105 days |
In The Past
Peapack Gladstone Financial's stock fell -28.0% during the 2025 US Tariff Shock. Such a loss loss requires a 39.0% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
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| Event | PGC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -28.0% | -18.8% |
| % Gain to Breakeven | 39.0% | 23.1% |
| Time to Breakeven | 300 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -26.6% | -9.5% |
| % Gain to Breakeven | 36.2% | 10.5% |
| Time to Breakeven | 60 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -37.9% | -6.7% |
| % Gain to Breakeven | 61.1% | 7.1% |
| Time to Breakeven | 1070 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -21.6% | -24.5% |
| % Gain to Breakeven | 27.6% | 32.4% |
| Time to Breakeven | 33 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -59.2% | -33.7% |
| % Gain to Breakeven | 144.9% | 50.9% |
| Time to Breakeven | 353 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -20.9% | -19.2% |
| % Gain to Breakeven | 26.5% | 23.7% |
| Time to Breakeven | 321 days | 105 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -21.8% | -12.2% |
| % Gain to Breakeven | 27.8% | 13.9% |
| Time to Breakeven | 167 days | 62 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -50.7% | -53.4% |
| % Gain to Breakeven | 102.8% | 114.4% |
| Time to Breakeven | 2062 days | 1085 days |
In The Past
Peapack Gladstone Financial's stock fell -28.0% during the 2025 US Tariff Shock. Such a loss loss requires a 39.0% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Peapack Gladstone Financial (PGC)
AI Analysis | Feedback
- It's like **J.P. Morgan Private Bank**, but as an independent, regional company focused on New Jersey.
- Think of it as a **regional version of Merrill Lynch Wealth Management**, with its own integrated private banking services for businesses and individuals.
- It's like the **private client services of a major bank like Bank of America or Wells Fargo**, but offered by a dedicated, independent regional bank.
AI Analysis | Feedback
- Deposit Accounts: The company offers various checking, savings, money market, certificate of deposit, and individual retirement accounts.
- Lending Services: This includes commercial loans, commercial mortgages, multi-family mortgages, residential mortgages, home equity lines of credit, and equipment finance.
- Wealth Management & Trust Services: Services encompass asset and investment management, personal trust services (executor, trustee, guardian), financial planning, tax preparation, and general advisory.
- Treasury Management Services: Businesses are provided with solutions for managing cash flow and financial transactions.
- Digital & Payment Services: Customers can access telephone and internet banking, alongside merchant credit card services.
AI Analysis | Feedback
Peapack-Gladstone Financial Corporation (PGC) primarily serves a diverse range of clients through its private banking and wealth management services, rather than a few major corporate customers. Its customers can be categorized as follows:
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Individuals and Families: This category includes consumers utilizing checking, savings, money market, certificates of deposit, individual retirement accounts, residential mortgages, home equity lines of credit, and private banking services. It also encompasses individuals, families, and estates seeking personal trust, asset management, financial planning, tax preparation, and other wealth management services.
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Businesses: This segment includes corporate and industrial (C&I) clients, commercial real estate developers, and other companies seeking working capital lines of credit, term loans, commercial mortgages, multi-family mortgages, asset-based financing, equipment finance, treasury management services, C&I advisory services, and private banking.
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Non-profit Organizations and Fiduciaries: This category comprises non-profits, foundations, endowments, and various trusts and estates that utilize the company's private banking, asset management, and other wealth management and fiduciary services.
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Douglas L. Kennedy, President and Chief Executive Officer
Douglas L. Kennedy was appointed President and Chief Executive Officer of Peapack-Gladstone Financial Corporation in October 2012. He has over 40 years of experience in the banking industry. Prior to joining Peapack-Gladstone Bank, he held leadership roles with Capital One Bank (USA), N.A., where he was responsible for commercial lending in the mid-Atlantic and Northeast regions and served as market president for New Jersey. His career also includes key executive positions at North Fork Bank, Fleet Bank, and Summit Bank. Mr. Kennedy earned a Bachelor of Science in Economics and a Master of Business Administration in Finance from Sacred Heart University. In 2019, he was appointed to the Board of Directors of the Federal Reserve Bank of New York.
Frank A. Cavallaro, Senior Executive Vice President and Chief Financial Officer
Frank A. Cavallaro joined Peapack-Gladstone Financial and Peapack-Gladstone Bank in October 2022 as Senior Executive Vice President and assumed the role of Chief Financial Officer in November 2022. He brings over 30 years of experience across financial institutions and CPA firms. Before joining Peapack-Gladstone, Mr. Cavallaro served as Executive Vice President and Chief Financial Officer of Republic Bank since 2012. He is a Certified Public Accountant.
John P. Babcock, Senior Executive Vice President, President of Private Wealth Management
John P. Babcock has served as Senior Executive Vice President and President of Private Wealth Management at Peapack-Gladstone Financial Corp. and Peapack-Gladstone Bank since March 2014. He has over 20 years of experience in wealth management, with expertise in portfolio management, client acquisition, estate planning, and private banking. Previously, he held successful positions at US Trust/Bank of America Private Wealth Management, where he directed high-performing teams focused on client development strategies and custom portfolio management, asset allocation, tax and estate planning, and private banking services.
Gregory M. Smith, Senior Executive Vice President, President of Commercial Banking
Gregory M. Smith is the Senior Executive Vice President and President of Commercial Banking at Peapack-Gladstone Financial Corporation. In this role, he leads the bank's commercial banking division, driving its growth and strategic direction. He is responsible for providing financial solutions and services to a diverse range of businesses.
Robert A. Plante, Executive Vice President, Chief Operating Officer
Robert A. Plante serves as the Executive Vice President and Chief Operating Officer of Peapack-Gladstone Financial Corporation.
AI Analysis | Feedback
Here are the key risks to Peapack Gladstone Financial (symbol: PGC):1. Concentration Risk in Commercial & Industrial (C&I) Lending and Credit Quality: Peapack-Gladstone Financial has a significant portion of its loan portfolio concentrated in Commercial & Industrial (C&I) lending, representing 44% of its total loan book as of mid-2025. This concentration exposes the bank to substantial risk if the C&I sector experiences economic headwinds or a downturn, which could lead to increased loan defaults and necessitate higher credit loss provisions, directly impacting profitability.
2. Macroeconomic Conditions and Interest Rate Risk: The company's financial performance and liquidity are closely tied to broader macroeconomic conditions, including fluctuations in interest rates, inflation, and the overall economic strength in its operating regions. Adverse changes in these factors can lead to reduced demand for banking products, elevated credit losses, increased funding costs, and a decrease in the value of securities and collateral. Changes in interest rates, in particular, can significantly impact the bank's net interest income.
3. Regulatory Environment and Competition: Peapack-Gladstone operates within a highly regulated banking industry that is subject to increasing scrutiny and evolving capital and liquidity requirements, such as the Basel III endgame rules. These regulatory changes can increase compliance costs and potentially require higher capital buffers, affecting the bank's profitability and operational flexibility. Additionally, the company faces intense competition from larger financial institutions with more extensive resources, which can pressure margins and market share.
AI Analysis | Feedback
The rise of robo-advisors and digital wealth management platforms poses a clear emerging threat to Peapack Gladstone Financial's wealth management services. These platforms offer automated, algorithm-driven investment management and financial planning at significantly lower costs, accessible through digital channels. This directly threatens Peapack-Gladstone's offerings such as "asset and investment management services," "personal trust services," and "financial planning, tax preparation, and advisory services" by providing a cheaper, more accessible alternative, potentially eroding client base or pressuring fees, especially for segments of the market that are comfortable with digital solutions or prioritize cost over personalized human interaction.
AI Analysis | Feedback
The addressable markets for Peapack Gladstone Financial's main products and services primarily span the United States, with a significant focus on the New Jersey market for its private banking and wealth management offerings.
Private Banking and Wealth Management Services
- The U.S. Private Banking Market was valued at approximately USD 89.14 billion in 2023 and is projected to reach USD 286.59 billion by 2033, growing at a Compound Annual Growth Rate (CAGR) of 12.39% from 2023 to 2033. Other estimates indicate the market was valued at USD 108.96 billion in 2024 and is expected to reach USD 180.65 billion by 2030, with an 8.79% CAGR. Another source projects the U.S. Private Banking Market to rise from US$132.7 billion in 2026 to US$235.3 billion by 2033, at a CAGR of 8.5%.
- For the Portfolio Management & Investment Advice industry specifically in New Jersey, the market size is estimated at USD 12.0 billion in 2026. The Northeast region, which includes New Jersey, was identified as the dominant area in the United States private banking market due to its concentration of wealth and financial infrastructure.
Commercial Lending
- The U.S. Commercial Banking Market, which includes commercial lending, was estimated at USD 765.53 billion in 2026 and is projected to reach USD 954.48 billion by 2031, growing at a 4.51% CAGR from 2026 to 2031. Commercial lending represented 43.78% of the U.S. commercial banking market share in 2025.
- Across North America, the commercial lending market is projected to reach a valuation of USD 2,892.50 billion by 2025.
- In New Jersey, banks issued approximately $8.5 billion in new loans (of $1 million or less) to businesses in 2022.
Residential Mortgages
- Total single-family mortgage origination volume in the U.S. is expected to increase to $2.2 trillion in 2026, up from $2.0 trillion in 2025.
- The U.S. Home Mortgage Market is projected to reach a valuation of USD 204,490.7 million in 2024 and is anticipated to grow to USD 571,641.9 million by 2033, with a CAGR of 12.1% from 2024 to 2033.
- While a specific overall market size for residential mortgages in New Jersey was not found, the median sales price for single-family homes in New Jersey increased to $575,000 in January 2026.
AI Analysis | Feedback
Peapack Gladstone Financial (PGC) is expected to drive future revenue growth over the next 2-3 years through several strategic initiatives:
- Expansion into the Metro New York City Market: Peapack-Gladstone Financial is aggressively expanding its presence in the Metro New York City market, including Manhattan and Long Island. This strategic move, which began in 2023 and continued through 2024 and 2025, involves establishing new locations, such as a flagship branch at 300 Park Avenue, and building commercial and private banking teams to attract clients underserved by larger financial institutions. This expansion has already resulted in significant growth in core deposits and new customer relationships.
- Growth in Wealth Management Services: The company's Wealth Management Division is a crucial driver of revenue growth, contributing a significant portion of total revenue through fee income. Peapack-Gladstone rebranded to "Peapack Private Bank & Trust" to emphasize its boutique private banking and wealth management capabilities. Assets under management/administration (AUM/AUA) have shown consistent growth, and the expansion into New York City aims to further capitalize on opportunities within this lucrative sector by adding wealth professionals and advisory presence.
- Commercial and Industrial (C&I) Lending Expansion: Peapack-Gladstone is actively diversifying its loan portfolio with a focus on Commercial and Industrial (C&I) lending and equipment finance. C&I loans constitute a substantial percentage of the total loan portfolio and new business originations, indicating a strategic push to grow this segment of their lending activities.
- Core Deposit Growth and Improved Funding Costs: The company's expansion strategy, particularly in the Metro New York City market, has been successful in attracting lower-cost core deposit relationships, including noninterest-bearing accounts. This growth in core deposits helps to lower funding costs and improve net interest margins, thereby enhancing the company's overall net interest income and supporting revenue growth.
AI Analysis | Feedback
Share Repurchases
- On January 30, 2025, Peapack-Gladstone Financial Corporation's Board of Directors approved a plan to repurchase up to 880,000 shares, which was approximately 5 percent of the outstanding shares as of that date, through December 31, 2026.
- The company also repurchases shares to satisfy tax withholding obligations upon the exercise of stock options and/or the vesting of restricted stock awards/units, which are separate from its formal share repurchase program.
Share Issuance
- The company's cash flow statements have shown negative "Net commonstock issuance" figures in recent periods, indicating net share repurchases rather than issuances, with one reported amount of -$2.67 million.
- Peapack-Gladstone Financial issued 9,693 shares for an Employee Stock Purchase Plan during an unaudited six-month period ending June 30.
- In February 2026, under the 2025 Long-Term Incentive Plan, the company granted performance-based Restricted Stock Units (RSUs) to its CEO, Douglas Kennedy (50,000 units), and President of Private Wealth Management, John Babcock (32,000 units), which will vest through December 31, 2028, contingent on performance goals and continued employment.
Capital Expenditures
- Peapack-Gladstone Financial has undertaken "significant investments" as part of its expansion strategy, particularly in the metro New York City market, which management states supports growth in lower-cost core deposit relationships.
- The company's profit margin slip in October 2025 was suggested to be due to "investing heavily" or "facing higher costs to capture that growth".
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| With Peapack Gladstone Financial Stock Surging, Have You Considered The Downside? | 10/17/2025 | |
| Peapack Gladstone Financial (PGC) Operating Cash Flow Comparison | 02/17/2025 | |
| Peapack Gladstone Financial (PGC) Net Income Comparison | 02/16/2025 |
| Title | |
|---|---|
| ARTICLES |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 31.68 |
| Mkt Cap | 5.0 |
| Rev LTM | 1,487 |
| Op Inc LTM | - |
| FCF LTM | 497 |
| FCF 3Y Avg | 466 |
| CFO LTM | 504 |
| CFO 3Y Avg | 470 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 11.3% |
| Rev Chg 3Y Avg | 3.2% |
| Rev Chg Q | 6.7% |
| QoQ Delta Rev Chg LTM | 1.6% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 31.5% |
| CFO/Rev 3Y Avg | 34.7% |
| FCF/Rev LTM | 29.9% |
| FCF/Rev 3Y Avg | 33.5% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 5.0 |
| P/S | 3.2 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 11.1 |
| P/CFO | 9.1 |
| Total Yield | 11.9% |
| Dividend Yield | 2.6% |
| FCF Yield 3Y Avg | 11.9% |
| D/E | 0.6 |
| Net D/E | 0.2 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -1.4% |
| 3M Rtn | -3.4% |
| 6M Rtn | 19.0% |
| 12M Rtn | 33.1% |
| 3Y Rtn | 87.7% |
| 1M Excs Rtn | -8.5% |
| 3M Excs Rtn | -10.6% |
| 6M Excs Rtn | 11.0% |
| 12M Excs Rtn | 6.3% |
| 3Y Excs Rtn | 3.5% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Banking | 163 | 169 | 178 | 150 | 141 |
| Wealth Management | 65 | 61 | |||
| Peapack Private | 65 | 61 | 49 | ||
| Total | 228 | 230 | 242 | 210 | 189 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Wealth Management | 17 | 14 | |||
| Banking | 16 | 35 | 57 | 40 | 16 |
| Peapack Private | 18 | 17 | 10 | ||
| Total | 33 | 49 | 74 | 57 | 26 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Banking | 6,874 | 6,358 | 6,257 | 5,973 | 5,799 |
| Wealth Management | 137 | 119 | |||
| Peapack Private | 97 | 105 | 92 | ||
| Total | 7,011 | 6,477 | 6,354 | 6,078 | 5,890 |
Price Behavior
| Market Price | $41.59 | |
| Market Cap ($ Bil) | 0.7 | |
| First Trading Date | 04/27/1999 | |
| Distance from 52W High | -3.6% | |
| 50 Days | 200 Days | |
| DMA Price | $37.66 | $30.79 |
| DMA Trend | up | up |
| Distance from DMA | 10.4% | 35.1% |
| 3M | 1YR | |
| Volatility | 28.9% | 32.7% |
| Downside Capture | 73.72 | 65.71 |
| Upside Capture | 127.48 | 88.31 |
| Correlation (SPY) | 39.5% | 37.4% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.43 | 0.58 | 0.72 | 0.81 | 1.02 | 1.08 |
| Up Beta | 0.07 | 0.29 | 0.29 | 0.89 | 1.42 | 1.02 |
| Down Beta | 1.89 | 0.39 | 0.87 | 0.93 | 1.13 | 1.13 |
| Up Capture | 128% | 132% | 164% | 142% | 88% | 118% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 15 | 26 | 39 | 67 | 128 | 375 |
| Down Capture | 22% | 18% | 10% | 22% | 73% | 103% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 7 | 17 | 25 | 58 | 123 | 372 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with PGC | |
|---|---|---|---|---|
| PGC | 44.6% | 32.7% | 1.16 | - |
| Sector ETF (XLF) | 1.8% | 14.5% | -0.10 | 54.2% |
| Equity (SPY) | 28.9% | 12.0% | 1.82 | 37.0% |
| Gold (GLD) | 44.6% | 26.8% | 1.35 | -10.5% |
| Commodities (DBC) | 47.8% | 18.6% | 1.96 | -17.0% |
| Real Estate (VNQ) | 11.3% | 13.5% | 0.55 | 36.2% |
| Bitcoin (BTCUSD) | -21.3% | 41.7% | -0.46 | 17.1% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with PGC | |
|---|---|---|---|---|
| PGC | 5.5% | 34.0% | 0.22 | - |
| Sector ETF (XLF) | 8.2% | 18.6% | 0.32 | 60.3% |
| Equity (SPY) | 13.7% | 17.1% | 0.63 | 46.0% |
| Gold (GLD) | 20.4% | 17.9% | 0.93 | -2.7% |
| Commodities (DBC) | 11.1% | 19.4% | 0.46 | 7.9% |
| Real Estate (VNQ) | 3.6% | 18.8% | 0.09 | 45.8% |
| Bitcoin (BTCUSD) | 7.5% | 55.9% | 0.35 | 16.5% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with PGC | |
|---|---|---|---|---|
| PGC | 9.4% | 37.0% | 0.35 | - |
| Sector ETF (XLF) | 12.6% | 22.1% | 0.52 | 68.0% |
| Equity (SPY) | 15.6% | 17.9% | 0.75 | 52.5% |
| Gold (GLD) | 13.4% | 15.9% | 0.70 | -4.4% |
| Commodities (DBC) | 8.3% | 17.9% | 0.38 | 16.3% |
| Real Estate (VNQ) | 5.4% | 20.7% | 0.22 | 51.5% |
| Bitcoin (BTCUSD) | 68.2% | 66.9% | 1.07 | 13.1% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/22/2026 | 1.9% | 5.8% | |
| 1/29/2026 | 5.2% | 14.5% | 13.0% |
| 10/22/2025 | -6.2% | -8.2% | -10.3% |
| 7/21/2025 | -8.7% | -11.5% | -10.2% |
| 4/22/2025 | -0.7% | 2.9% | 2.2% |
| 1/28/2025 | -1.2% | -0.0% | -2.0% |
| 10/22/2024 | 7.7% | 12.7% | 27.1% |
| 7/23/2024 | -1.6% | 3.5% | -4.5% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 16 | 14 | 17 |
| # Negative | 9 | 11 | 7 |
| Median Positive | 2.1% | 5.8% | 6.7% |
| Median Negative | -5.5% | -4.6% | -10.2% |
| Max Positive | 7.7% | 14.5% | 38.4% |
| Max Negative | -8.7% | -11.5% | -19.1% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/08/2026 | 10-Q |
| 12/31/2025 | 03/11/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 03/12/2025 | 10-K |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/10/2024 | 10-Q |
| 12/31/2023 | 03/12/2024 | 10-K |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 03/13/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/09/2022 | 10-Q |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Cavallaro, Frank A | SEVP & Chief Financial Officer | Direct | Buy | 4012026 | 34.95 | 2,890 | 101,000 | 514,249 | Form |
| 2 | Kennedy, Douglas L | President & CEO | Rabbi Trust | Buy | 4012026 | 35.21 | 11,296 | 397,732 | 8,518,207 | Form |
| 3 | Campion, Patrick | Direct | Buy | 4012026 | 34.97 | 1,430 | 49,993 | 108,568 | Form | |
| 4 | Campion, Patrick | Direct | Sell | 3232026 | 28.85 | 340 | Form | |||
| 5 | Hemhauser, Maureen | EVP & Chief Risk Officer | Direct | Sell | 2102026 | 35.59 | 5,272 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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