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Peapack-Gladstone Financial Corp

Peapack-Gladstone Financial Corp

PGC
$45.80USD↓-0.52%-0.24 today

MARKET CAP

811.9M

P/E (TTM)

21.8x

FWD P/E

—

DAY RANGE

$46 – $47

52W RANGE

$25
$49

AI Summary

Stalk
StalkMedium

PGC remains in a well-defined uptrend across medium and long horizons, confirmed by rising moving averages and series of higher highs. However, short-term momentum is extended into overbought territory and a clean breakout, so execution should be deferred to a pullback into the rising EMA zone near prior resistance, in line with a Value+EPS strategy that favors disciplined entries.

  • ↑Total revenue $86.1M (+23% YoY, +4% QoQ) on wealth management gains
  • ↑Net income $15.8M (+99% YoY, +11% QoQ), marking seven quarters of growth
  • ↓Weak profitability factors may limit earnings generation
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Peapack-Gladstone Financial Corporation (NASDAQ: PGC) is a prominent player in the financial services sector, focusing on wealth management and commercial banking services, particularly targeting high-net-worth individuals and their families in the Metro New York market. PGC capitalizes on its strategic investments and an expanding range of service offerings, emphasizing the company's commitment to durable growth within a competitive banking landscape.

Bull says

  • ↑Total revenue $86.1M (+23% YoY, +4% QoQ) on wealth management gains
  • ↑Net income $15.8M (+99% YoY, +11% QoQ), marking seven quarters of growth
  • ↑Deposits rose $231M to $7.1B (+11% YoY), led by non-interest-bearing inflows
  • ↑Efficiency ratio improved to 65%, lowest in seven quarters
  • ↑Projected earnings up ~34% next year, driven by high-net-worth services
  • ↑Strong momentum factors and high earnings yield indicate attractive valuation

Bear says

  • ↓Weak profitability factors may limit earnings generation
  • ↓Intense deposit competition risks compressing net interest margins
  • ↓$72.2M non-performing assets highlight elevated credit risk
  • ↓Protracted multifamily loan foreclosures could further impair asset quality
  • ↓High short interest reflects bearish market sentiment
  • ↓Weak dividend yield factors may constrain shareholder returns

Investment themes with PGC

Regional Banks↓ -1.16%

FLG · TCBI · ZION

Earnings Call · Q2 2026 · Mgmt. Guidance

Updated 07-30-2026neutral

Transcript signals

Bull points

  • Net income available to common shareholders for the quarter was $15.8 million, or $0.85 per diluted share, compared to $14.2 million, or $0.80 a share, in the first quarter.
  • Core earnings, which is pre-tax income before the provision, increased to $30.4 billion, up 12% sequentially and 70% from a year ago.
  • Total revenue increased to $86.1 million, up 4% compared to the first quarter, and 23% year over year.

Bear points

  • Non-performing assets increased to $72.2 million, or 91.91% of total assets, compared to 0.77% in the first quarter. The increase was primarily driven by the migration of a previously disclosed larger multifamily relationship.
  • we're just going to continue to go through the foreclosure process, and that can take some time.
  • going to be things that we think that we're going to have a rocky road as we go client by client, loan by loan through this repricing cycle over the next six quarters that ultimately could create some noise inside delinquencies, inside of non-reformers, et cetera.
Read full transcript analysis ›