# Peapack-Gladstone Financial Corporation (PGC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $46.38, market value $822 million.

## Valuation
- **P/E (trailing): 16.1×** (5-yr avg 12.4×, 3-yr avg 13.7×). Peapack-Gladstone Financial Corporation trades at 16.1× trailing earnings, well above its own five-year average of 12.4×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.71**. A PEG of 0.71 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 2.6×**. Each dollar of revenue is priced at 2.6×.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 12.4%** (5-yr avg 11.5%). Free cash flow equals 12.4% of the market value, in line with its five-year average of 11.5%. Above 5% is generally attractive.
- **Earnings yield: 6.2%**. The inverse of the P/E: 6.2% of the price is earned each year.

## Profitability
- **Net margin: 13.2%**. 13.2% of each dollar of sales reaches the bottom line.
- **Return on equity: 5.7%**. 5.7% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.7%**. Each dollar of assets produces 0.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 24.1%** (3-yr 5.3%/yr, 5-yr 8.4%/yr). Revenue grew 24.1% over the last year, against 8.4% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 13.5%** (3-yr -19.3%/yr, 5-yr 8.9%/yr). Earnings per share rose 13.5%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): -37.0%/yr**. Free cash flow has compounded at -37.0% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 0.43%** ($0.20 per share, trailing). Peapack-Gladstone Financial Corporation yields 0.43%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 9%** (3% of free cash flow). 9% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 0.0%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Price and momentum
- **Total return (1 yr): 60.4%** (YTD 67.0%, 3-mo 4.9%). The shares are up 60.4% over twelve months including dividends.
- **From 52-week high: -5.6%** (87.7% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 0.70** (volatility 30%). Beta of 0.70 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PGC · Page: https://foliofundamentals.com/stocks/pgc

Not investment advice.