Peapack-Gladstone Financial Corporation Fundamental Analysis (NASDAQ: PGC)
Peapack-Gladstone Financial Corporation Fundamental Analysis (NASDAQ: PGC)
Peapack-Gladstone Financial Corporation (NASDAQ: PGC) shows weak financial fundamentals with a PE ratio of 18.69, profit margin of 9.65%, and ROE of 6.68%. The company generates $0.5B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 47.5/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze PGC's fundamental strength across five key dimensions:
Efficiency Score
WeakPGC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPGC trades at attractive valuation levels.
Growth Score
ModeratePGC shows steady but slowing expansion.
Financial Health Score
ModeratePGC shows balanced financial health with some risks.
Profitability Score
WeakPGC struggles to sustain strong margins.
Key Financial Metrics
Is PGC Expensive or Cheap?
P/E Ratio
PGC trades at 18.69 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, PGC's PEG of 0.50 indicates potential undervaluation.
Price to Book
The market values Peapack-Gladstone Financial Corporation at 1.17 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 13.35 times EBITDA. This signals the market has high growth expectations.
How Well Does PGC Make Money?
Net Profit Margin
For every $100 in sales, Peapack-Gladstone Financial Corporation keeps $9.65 as profit after all expenses.
Operating Margin
Core operations generate 13.54 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $6.68 in profit for every $100 of shareholder equity.
ROA
Peapack-Gladstone Financial Corporation generates $0.57 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Peapack-Gladstone Financial Corporation produces operating cash flow of $76.17M, showing steady but balanced cash generation.
Free Cash Flow
Peapack-Gladstone Financial Corporation generates strong free cash flow of $63.83M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.60 in free cash annually.
FCF Yield
PGC converts 7.69% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
18.69
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.50
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.17
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.81
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.15
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.05
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.006
vs 25 benchmark
ROCE
Return on capital employed
0.08
vs 25 benchmark
How PGC Stacks Against Its Sector Peers
| Metric | PGC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 18.69 | 21.05 | Better (Cheaper) |
| ROE | 6.68% | 653.00% | Weak |
| Net Margin | 9.65% | -610.00% (disorted) | Weak |
| Debt/Equity | 0.15 | 0.88 | Strong (Low Leverage) |
| Current Ratio | 0.05 | 891.58 | Weak Liquidity |
| ROA | 0.57% | 6602.00% | Weak |
PGC outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Peapack-Gladstone Financial Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical