Stocks · Financial Services · Banks - Regional
Peapack-Gladstone Financial Corporation PGC
$44.58 +1.25% Close, Oct 2, 2026 · NASDAQ · Market cap $789.9M
Strong growthStrong trend
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $2.88, up 57.4% year over year.
- The stock is in an uptrend: above its 200-day average for 209 trading days, with the 50-day average above the 200-day.
- Over the past year the stock returned +64.0%, ahead of the S&P 500 by 48.9 percentage points.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth90Exceptional
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 36%
- EPS growth (TTM, YoY)Top 19%
- FCF growth (TTM, YoY)Top 12%
- Revenue growth, 3-year CAGRTop 41%
- Revenue growth accelerationTop 44%
Quality55Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 27%
- Gross marginBottom 40%
- Operating marginBottom 35%
- Cash conversion (OCF / net income)Top 18%
- Accruals (lower is better)Top 37%
- Net debt / EBITDA (lower is better)Top 50%
- Interest coverBottom 25%
Value74Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 49%
- Free-cash-flow yieldTop 22%
- EBITDA / enterprise valueTop 32%
- Sales / enterprise valueTop 26%
- P/E vs own 5-year history (lower is better)Bottom 41%
Momentum88Strong
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 3%
- 6-month returnTop 16%
- 1-year return vs S&P 500Top 3%
- Distance from 52-week highTop 45%
- Trend checklist (0–4)Top 48%
Revisions69Positive
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 45%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 2%
- Upside to consensus price targetTop 24%
Stability43Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 33%
- Maximum drawdown, 3 yearsBottom 35%
- Beta vs S&P 500 (lower is better)Bottom 31%
- Net debt / EBITDA (lower is better)Top 50%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 10.9% | 11.2% | ↑ |
| EPS growth (YoY) | 37.8% | 57.4% | ↑ |
| Gross margin | 55.7% | 61.7% | ↑ |
| Operating margin | 10.6% | 15.5% | ↑ |
| FCF margin | 10.4% | 22.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 11.2% | 10.9% | ↑ | Top 36% |
| EPS growth (TTM, YoY) | 57.4% | 37.8% | ↑ | Top 19% |
| Gross margin | 61.7% | 55.7% | ↑ | Bottom 40% |
| Operating margin | 15.5% | 10.6% | ↑ | Bottom 35% |
| Net margin | 11.1% | 7.7% | ↑ | — |
| Free-cash-flow margin | 22.7% | 10.4% | ↑ | — |
| Return on invested capital | 5.7% | — | Top 27% | |
| Revenue growth, 3-year CAGR | 17.1% | — | Top 41% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.14×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -8.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.30×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.47%
- Net buyback yield (TTM)
- 0.32%
- Shareholder yield
- 0.79%
- Share count change, 1 year
- +2.3%
- Share count change, 3-year CAGR
- +0.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +4.0%
- Average 2-day reaction, last 8
- +1.6%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $56.50
- Target vs current price
- +26.7%
- Analysts with a rating
- 8
- Share rating Buy or Strong Buy
- 100%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | -2.9% | +1.4% | -0.9% | -1.7% | — |
| Apr 22, 2026 | +21.2% | +0.8% | +9.7% | +7.8% | +18.1% |
| Jan 29, 2026 | +6.2% | +3.1% | +18.4% | +17.4% | +34.9% |
| Nov 7, 2025 | -8.5% | +0.9% | -0.3% | +9.8% | +35.9% |
| Jul 21, 2025 | -26.2% | +0.3% | -11.4% | -10.9% | -9.2% |
| Apr 22, 2025 | -15.7% | +5.3% | +6.7% | +11.4% | +15.9% |
| Jan 28, 2025 | +15.6% | -1.1% | -4.6% | -1.8% | -18.3% |
| Oct 22, 2024 | +16.2% | +1.8% | +16.8% | +28.8% | +11.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $0.85 | $0.88 | -2.9% | $86.1M |
| Apr 22, 2026 | $0.80 | $0.66 | +21.2% | $82.7M |
| Jan 29, 2026 | $0.69 | $0.65 | +6.2% | $77.9M |
| Nov 7, 2025 | $0.54 | $0.59 | -8.5% | $69.6M |
| Jul 21, 2025 | $0.45 | $0.61 | -26.2% | $68.6M |
| Apr 22, 2025 | $0.43 | $0.51 | -15.7% | $63.3M |
| Jan 28, 2025 | $0.52 | $0.45 | +15.6% | $61.3M |
| Oct 22, 2024 | $0.43 | $0.37 | +16.2% | $55.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 15.5× | 13.2× | 67th | Bottom 49% |
| P/E (forward) | 12.3× | — | — | — |
| EV / EBITDA | 10.7× | — | — | Top 32% |
| EV / Sales | 1.92× | — | — | Top 26% |
| Free-cash-flow yield | 13.41% | — | — | Top 22% |
| Earnings yield | 6.46% | — | — | Bottom 49% |
P/E over the past five years
Range 5.7× – 20.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +64.0%
- Earnings per share growth (TTM)
- +57.4%
- Change in P/E multiple
- +16.7%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 209
- 50-day average slope (20 days)
- -1.4%
- 200-day average slope (20 days)
- +4.7%
- Distance from 50-day average
- -2.1%
- Distance from 200-day average
- +12.2%
- RSI (14)
- 46.1
- Relative volume
- 1.07×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.5%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.86
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -7.8%
- Maximum drawdown, 3 years
- -34.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 10, 2022 | Jun 4, 2024 | -50.6% | 391 days | 475 days (Apr 28, 2026) |
| Mar 3, 2022 | Jul 14, 2022 | -27.4% | 91 days | 75 days (Oct 28, 2022) |
| Jan 14, 2021 | Jan 27, 2021 | -13.3% | 8 days | 10 days (Feb 10, 2021) |
| Jun 8, 2021 | Jul 8, 2021 | -12.8% | 21 days | 34 days (Aug 25, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $789.9M
- P/E (TTM)
- 15.5
- EPS, diluted (TTM)
- $2.88
- Revenue (TTM)
- $467.2M
- Dividend yield
- 0.45%
- 52-week range
- $24.71 – $49.14
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $228.8M | $274.7M | $373.8M | $402.9M | $441.4M |
| Gross profit | $200.3M | $232.6M | $211.7M | $216.6M | $256.2M |
| Operating income | $77.7M | $102.3M | $67.3M | $45.0M | $52.3M |
| Net income | $56.6M | $74.2M | $48.9M | $33.0M | $37.3M |
| EPS (diluted) | $2.93 | $4.00 | $2.71 | $1.85 | $2.11 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $101.1M | $105.0M | $104.2M | $110.0M | $111.6M | $115.6M | $117.6M | $122.3M |
| Net income | $7.6M | $9.2M | $7.6M | $7.9M | $9.6M | $12.2M | $14.2M | $16.0M |
| EPS (diluted) | $0.43 | $0.52 | $0.43 | $0.45 | $0.54 | $0.69 | $0.80 | $0.85 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $75.5M | $118.9M | $70.1M | $71.1M | $43.1M |
| Capital expenditure | -$3.9M | -$3.5M | -$3.3M | -$8.1M | -$14.6M |
| Free cash flow | $71.5M | $115.4M | $66.8M | $63.0M | $28.6M |
| Dividends paid | -$3.8M | -$3.6M | -$3.6M | -$3.5M | -$3.5M |
| Net share buybacks | -$30.0M | -$35.7M | -$15.7M | -$8.1M | -$5.6M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $760.8M
- Total assets
- $7.97B
- Total liabilities
- $7.25B
- Total debt
- $117.5M
- Net debt
- $109.1M
- Shareholders’ equity
- $715.8M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 13, 2026 | $0.05 | Aug 27, 2026 |
| May 7, 2026 | $0.05 | May 21, 2026 |
| Feb 12, 2026 | $0.05 | Feb 26, 2026 |
| Nov 6, 2025 | $0.05 | Nov 28, 2025 |
| Aug 7, 2025 | $0.05 | Aug 21, 2025 |
| May 8, 2025 | $0.05 | May 22, 2025 |
| Feb 6, 2025 | $0.05 | Feb 21, 2025 |
| Nov 7, 2024 | $0.05 | Nov 22, 2024 |
Short interest
- Shares sold short
- 950,572
- Days to cover
- 8.63
- Change vs previous report
- +3.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Oct 21, 2013
- 1,019-for-1,000
- Jul 7, 2009
- 21-for-20
- Sep 29, 2004
- 11-for-10
- Sep 29, 2003
- 11-for-10
- Nov 4, 2002
- 2-for-1