Peapack-Gladstone Financial Corporation Logo

Peapack-Gladstone Financial Corporation

PGC

(2.5)
Stock Price

29,20 USD

0.94% ROA

8.64% ROE

8.1x PER

Market Cap.

491.612.415,00 USD

111.12% DER

0.72% Yield

17.92% NPM

Peapack-Gladstone Financial Corporation Stock Analysis

Peapack-Gladstone Financial Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Peapack-Gladstone Financial Corporation Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.83x), the stock offers substantial upside potential at a bargain price.

2 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 ROE

ROE in an average range (11%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.94%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

7 Buffet Intrinsic Value

The company's stock seems undervalued (117) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 DER

The stock is burdened with a heavy load of debt (111%), making it financially unstable and potentially risky for investors.

9 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Peapack-Gladstone Financial Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Peapack-Gladstone Financial Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Peapack-Gladstone Financial Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Peapack-Gladstone Financial Corporation Revenue
Year Revenue Growth
1997 3.648.000
1998 4.738.000 23.01%
1999 23.200.000 79.58%
2000 28.786.000 19.41%
2001 31.708.000 9.22%
2002 39.880.000 20.49%
2003 41.473.000 3.84%
2004 44.984.000 7.8%
2005 46.786.000 3.85%
2006 43.090.000 -8.58%
2007 49.912.000 13.67%
2008 5.039.000 -890.51%
2009 62.146.000 91.89%
2010 64.946.000 4.31%
2011 65.631.000 1.04%
2012 72.706.000 9.73%
2013 73.371.000 0.91%
2014 88.701.000 17.28%
2015 108.166.000 18%
2016 125.353.000 13.71%
2017 145.768.000 14.01%
2018 159.356.000 8.53%
2019 174.970.000 8.92%
2020 189.362.000 7.6%
2021 210.304.000 9.96%
2022 242.497.000 13.28%
2023 223.476.000 -8.51%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Peapack-Gladstone Financial Corporation Research and Development Expenses
Year Research and Development Expenses Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Peapack-Gladstone Financial Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1997 6.093.000
1998 6.567.000 7.22%
1999 6.900.000 4.83%
2000 9.041.000 23.68%
2001 9.975.000 9.36%
2002 11.962.000 16.61%
2003 13.262.000 9.8%
2004 13.898.000 4.58%
2005 14.682.000 5.34%
2006 15.698.000 6.47%
2007 17.511.000 10.35%
2008 20.586.000 14.94%
2009 25.186.000 18.26%
2010 24.851.000 -1.35%
2011 24.762.000 -0.36%
2012 28.803.000 14.03%
2013 33.370.000 13.69%
2014 37.622.000 11.3%
2015 42.432.000 11.34%
2016 49.761.000 14.73%
2017 56.322.000 11.65%
2018 65.245.000 13.68%
2019 70.406.000 7.33%
2020 79.491.000 11.43%
2021 83.935.000 5.29%
2022 91.415.000 8.18%
2023 104.020.000 12.12%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Peapack-Gladstone Financial Corporation EBITDA
Year EBITDA Growth
1997 15.706.000
1998 17.666.000 11.09%
1999 19.100.000 7.51%
2000 25.500.000 25.1%
2001 30.222.000 15.62%
2002 32.474.000 6.93%
2003 32.558.000 0.26%
2004 32.161.000 -1.23%
2005 42.026.000 23.47%
2006 50.741.000 17.18%
2007 56.125.000 9.59%
2008 -6.775.000 928.41%
2009 30.272.000 122.38%
2010 25.073.000 -20.74%
2011 23.988.000 -4.52%
2012 23.734.000 -1.07%
2013 22.576.000 -5.13%
2014 34.960.000 35.42%
2015 50.833.000 31.23%
2016 66.570.000 23.64%
2017 85.489.000 22.13%
2018 106.557.000 19.77%
2019 70.287.000 -51.6%
2020 36.417.000 -93.01%
2021 82.450.000 55.83%
2022 143.183.000 42.42%
2023 50.400.000 -184.09%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Peapack-Gladstone Financial Corporation Gross Profit
Year Gross Profit Growth
1997 3.648.000
1998 4.738.000 23.01%
1999 23.200.000 79.58%
2000 28.786.000 19.41%
2001 31.708.000 9.22%
2002 39.880.000 20.49%
2003 41.473.000 3.84%
2004 44.984.000 7.8%
2005 46.786.000 3.85%
2006 43.090.000 -8.58%
2007 49.912.000 13.67%
2008 5.039.000 -890.51%
2009 62.146.000 91.89%
2010 64.946.000 4.31%
2011 65.631.000 1.04%
2012 24.376.000 -169.24%
2013 18.188.000 -34.02%
2014 29.161.000 37.63%
2015 39.240.000 25.69%
2016 95.244.000 58.8%
2017 116.479.000 18.23%
2018 126.515.000 7.93%
2019 140.528.000 9.97%
2020 153.103.000 8.21%
2021 170.315.000 10.11%
2022 200.785.000 15.18%
2023 223.476.000 10.15%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Peapack-Gladstone Financial Corporation Net Profit
Year Net Profit Growth
1997 4.492.000
1998 5.319.000 15.55%
1999 6.600.000 19.41%
2000 7.708.000 14.37%
2001 8.924.000 13.63%
2002 11.925.000 25.17%
2003 12.300.000 3.05%
2004 13.109.000 6.17%
2005 13.130.000 0.16%
2006 10.226.000 -28.4%
2007 11.862.000 13.79%
2008 -22.060.000 153.77%
2009 7.126.000 409.57%
2010 7.664.000 7.02%
2011 12.168.000 37.02%
2012 9.696.000 -25.5%
2013 9.261.000 -4.7%
2014 14.890.000 37.8%
2015 19.972.000 25.45%
2016 26.477.000 24.57%
2017 36.497.000 27.45%
2018 44.170.000 17.37%
2019 47.434.000 6.88%
2020 26.192.000 -81.1%
2021 56.622.000 53.74%
2022 74.246.000 23.74%
2023 35.020.000 -112.01%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Peapack-Gladstone Financial Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1997 1
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 100%
2002 1 0%
2003 1 0%
2004 2 0%
2005 2 0%
2006 1 0%
2007 1 0%
2008 -3 150%
2009 1 0%
2010 1 0%
2011 1 100%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 2 0%
2017 2 50%
2018 2 0%
2019 2 0%
2020 1 -100%
2021 3 66.67%
2022 4 25%
2023 2 -300%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Peapack-Gladstone Financial Corporation Free Cashflow
Year Free Cashflow Growth
1997 4.496.000
1998 5.313.000 15.38%
1999 7.100.000 25.17%
2000 6.837.000 -3.85%
2001 7.154.000 4.43%
2002 15.362.000 53.43%
2003 11.772.000 -30.5%
2004 8.481.000 -38.8%
2005 11.592.000 26.84%
2006 17.599.000 34.13%
2007 8.258.000 -113.11%
2008 22.150.000 62.72%
2009 4.379.000 -405.82%
2010 18.995.000 76.95%
2011 21.486.000 11.59%
2012 16.794.000 -27.94%
2013 30.157.000 44.31%
2014 23.322.000 -29.31%
2015 28.382.000 17.83%
2016 39.708.000 28.52%
2017 53.555.000 25.86%
2018 63.189.000 15.25%
2019 84.591.000 25.3%
2020 33.645.000 -151.42%
2021 71.535.000 52.97%
2022 115.384.000 38%
2023 36.520 -315847.43%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Peapack-Gladstone Financial Corporation Operating Cashflow
Year Operating Cashflow Growth
1997 5.185.000
1998 6.705.000 22.67%
1999 8.000.000 16.19%
2000 9.781.000 18.21%
2001 10.171.000 3.83%
2002 17.607.000 42.23%
2003 13.981.000 -25.94%
2004 15.170.000 7.84%
2005 14.851.000 -2.15%
2006 22.299.000 33.4%
2007 12.141.000 -83.67%
2008 25.277.000 51.97%
2009 7.802.000 -223.98%
2010 21.953.000 64.46%
2011 22.461.000 2.26%
2012 17.848.000 -25.85%
2013 32.702.000 45.42%
2014 27.263.000 -19.95%
2015 30.306.000 10.04%
2016 42.926.000 29.4%
2017 55.935.000 23.26%
2018 64.248.000 12.94%
2019 86.296.000 25.55%
2020 36.720.000 -135.01%
2021 75.463.000 51.34%
2022 118.901.000 36.53%
2023 36.520 -325477.77%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Peapack-Gladstone Financial Corporation Capital Expenditure
Year Capital Expenditure Growth
1997 689.000
1998 1.392.000 50.5%
1999 900.000 -54.67%
2000 2.944.000 69.43%
2001 3.017.000 2.42%
2002 2.245.000 -34.39%
2003 2.209.000 -1.63%
2004 6.689.000 66.98%
2005 3.259.000 -105.25%
2006 4.700.000 30.66%
2007 3.883.000 -21.04%
2008 3.127.000 -24.18%
2009 3.423.000 8.65%
2010 2.958.000 -15.72%
2011 975.000 -203.38%
2012 1.054.000 7.5%
2013 2.545.000 58.59%
2014 3.941.000 35.42%
2015 1.924.000 -104.83%
2016 3.218.000 40.21%
2017 2.380.000 -35.21%
2018 1.059.000 -124.74%
2019 1.705.000 37.89%
2020 3.075.000 44.55%
2021 3.928.000 21.72%
2022 3.517.000 -11.69%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Peapack-Gladstone Financial Corporation Equity
Year Equity Growth
1997 33.639.000
1998 37.955.000 11.37%
1999 40.700.000 6.74%
2000 55.156.000 26.21%
2001 63.085.000 12.57%
2002 77.158.000 18.24%
2003 85.054.000 9.28%
2004 94.669.000 10.16%
2005 99.155.000 4.52%
2006 103.763.000 4.44%
2007 107.429.000 3.41%
2008 83.894.000 -28.05%
2009 119.509.000 29.8%
2010 117.716.000 -1.52%
2011 122.971.000 4.27%
2012 122.057.000 -0.75%
2013 170.657.000 28.48%
2014 242.267.000 29.56%
2015 275.676.000 12.12%
2016 324.210.000 14.97%
2017 403.678.000 19.69%
2018 469.013.000 13.93%
2019 503.652.000 6.88%
2020 527.122.000 4.45%
2021 546.388.000 3.53%
2022 532.980.000 -2.52%
2023 558.956.000 4.65%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Peapack-Gladstone Financial Corporation Assets
Year Assets Growth
1997 363.665.000
1998 402.796.000 9.71%
1999 423.000.000 4.78%
2000 568.413.000 25.58%
2001 704.773.000 19.35%
2002 859.808.000 18.03%
2003 968.126.000 11.19%
2004 1.067.395.000 9.3%
2005 1.255.259.000 14.97%
2006 1.288.376.000 2.57%
2007 1.346.976.000 4.35%
2008 1.385.425.000 2.78%
2009 1.512.353.000 8.39%
2010 1.505.425.000 -0.46%
2011 1.600.335.000 5.93%
2012 1.667.836.000 4.05%
2013 1.966.948.000 15.21%
2014 2.702.397.000 27.21%
2015 3.364.659.000 19.68%
2016 3.878.633.000 13.25%
2017 4.260.547.000 8.96%
2018 4.617.858.000 7.74%
2019 5.182.879.000 10.9%
2020 5.890.442.000 12.01%
2021 6.077.993.000 3.09%
2022 6.353.593.000 4.34%
2023 6.521.581.000 2.58%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Peapack-Gladstone Financial Corporation Liabilities
Year Liabilities Growth
1997 330.026.000
1998 364.841.000 9.54%
1999 382.300.000 4.57%
2000 513.257.000 25.51%
2001 641.688.000 20.01%
2002 782.650.000 18.01%
2003 883.072.000 11.37%
2004 972.726.000 9.22%
2005 1.156.104.000 15.86%
2006 1.184.613.000 2.41%
2007 1.239.547.000 4.43%
2008 1.301.531.000 4.76%
2009 1.392.844.000 6.56%
2010 1.387.709.000 -0.37%
2011 1.477.364.000 6.07%
2012 1.545.779.000 4.43%
2013 1.796.291.000 13.95%
2014 2.460.130.000 26.98%
2015 3.088.983.000 20.36%
2016 3.554.423.000 13.09%
2017 3.856.869.000 7.84%
2018 4.148.845.000 7.04%
2019 4.679.227.000 11.33%
2020 5.363.320.000 12.76%
2021 187.954.000 -2753.53%
2022 5.820.613.000 96.77%
2023 5.962.625.000 2.38%

Peapack-Gladstone Financial Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
13.45
Net Income per Share
3.41
Price to Earning Ratio
8.1x
Price To Sales Ratio
2.05x
POCF Ratio
8.59
PFCF Ratio
8.91
Price to Book Ratio
0.88
EV to Sales
3.85
EV Over EBITDA
7.07
EV to Operating CashFlow
16.12
EV to FreeCashFlow
16.75
Earnings Yield
0.12
FreeCashFlow Yield
0.11
Market Cap
0,49 Bil.
Enterprise Value
0,92 Bil.
Graham Number
48.98
Graham NetNet
-293.25

Income Statement Metrics

Net Income per Share
3.41
Income Quality
1.1
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.04
Net Income per EBT
0.73
EBT Per Ebit
0.4
Ebit per Revenue
0.62
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0.42
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.62
Pretax Profit Margin
0.25
Net Profit Margin
0.18

Dividends

Dividend Yield
0.01
Dividend Yield %
0.72
Payout Ratio
0.04
Dividend Per Share
0.2

Operating Metrics

Operating Cashflow per Share
3.21
Free CashFlow per Share
3.09
Capex to Operating CashFlow
-0.04
Capex to Revenue
-0.01
Capex to Depreciation
-0.58
Return on Invested Capital
0.08
Return on Tangible Assets
0.01
Days Sales Outstanding
34.77
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
10.5
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.12

Balance Sheet

Cash per Share
39,70
Book Value per Share
31,30
Tangible Book Value per Share
28.71
Shareholders Equity per Share
31.3
Interest Debt per Share
41.54
Debt to Equity
1.11
Debt to Assets
0.1
Net Debt to EBITDA
3.31
Current Ratio
0.01
Tangible Asset Value
0,51 Bil.
Net Current Asset Value
-5,96 Bil.
Invested Capital
1.11
Working Capital
-0,46 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,02 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.26

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Peapack-Gladstone Financial Corporation Dividends
Year Dividends Growth
1999 0
2000 0 0%
2001 1 0%
2002 1 0%
2003 0 0%
2004 11 100%
2005 1 0%
2006 1 0%
2007 0 0%
2008 1 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Peapack-Gladstone Financial Corporation Profile

About Peapack-Gladstone Financial Corporation

Peapack-Gladstone Financial Corporation operates as the bank holding company for Peapack-Gladstone Bank that provides private banking and wealth management services in the United States. The company operates in two segments, Banking and Peapack Private. 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) and equipment finance, commercial real estate, multifamily, residential, and consumer lending activities; treasury management services; C&I advisory services; escrow management; deposit generation; asset 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; and wealth management clients comprise individuals, families, foundations, endowments, trusts, and estates. The company operates its private banking locations in Bedminster, Morristown, Princeton, and Teaneck, New Jersey; and wealth management branches in Somerset, Morris, Hunterdon, and Union counties, as well as operates automated teller machines at 20 locations. Peapack-Gladstone Financial Corporation was founded in 1921 and is headquartered in Bedminster, New Jersey.

CEO
Mr. Douglas L. Kennedy
Employee
521
Address
500 Hills Drive
Bedminster, 07921

Peapack-Gladstone Financial Corporation Executives & BODs

Peapack-Gladstone Financial Corporation Executives & BODs
# Name Age
1 Mr. Douglas L. Kennedy
President, Chief Executive Officer & Director
70
2 Mr. Francesco S. Rossi
Senior Vice President & Chief Accounting Officer
70
3 Mr. Eric H. Waser
Executive Vice President & Head of Investment Banking
70
4 Rosanne Schwab
Assistant Vice President of Public Relations & Corporate Communications Manager
70
5 Ms. Karen Rosner
Vice President of Assistant Brand & Marketing Director
70
6 Mr. John P. Babcock
Senior EVice President & President of Peapack Private Wealth Management
70
7 Ms. Maureen E. Hemhauser
Executive Vice President, Chief Risk Officer & Head of Compliance
70
8 Mr. Frank A. Cavallaro
Senior EVice President & Chief Financial Officer
70
9 Mr. Robert A. Plante
Executive Vice President & Chief Operating Officer
70
10 Mr. Kevin B. Runyon
Executive Vice President, Chief Information & Digital Officer and Head of Information Technology
70

Peapack-Gladstone Financial Corporation Competitors