Peapack-Gladstone Financial Corporation Common Stock (PGC)

FairStock Score: 54/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Peapack-Gladstone as a small private bank and wealth manager with a $767.3M market value. At the 2026-10-13 close of $43.28, FairStock's calculations put it at 15.08 times earnings, 1.11 times book, and a 7.72% return on equity. That is not a franchise earning high returns on capital; it is a modest bank that must be bought at a modest price. The earnings record is uneven. In fiscal 2023, net income was $48.9M and diluted EPS was $2.71; in fiscal 2024, net income was $33.0M and EPS was $1.85; in fiscal 2025, net income was $37.3M and EPS was $2.10. But the recent quarters are better: in fiscal Q3 2025, the quarter ended 2025-09-30, net income was $9.6M and EPS was $0.54; fiscal Q4 2025, ended 2025-12-31, had net income of $12.2M and EPS of $0.69; fiscal Q1 2026, ended 2026-03-31, had revenue of $82.5M, net income of $14.2M, and EPS of $0.80; fiscal Q2 2026, ended 2026-06-30, had revenue of $86.1M, net income of $16.0M, and EPS of $0.86. That sequential improvement is the attractive part. FairStock's Lynch category is SLOW GROWER, based on 7.3% annual profit growth over five years and 8.4% revenue growth, so I would not pay a high multiple. FairStock's Piotroski score is 5/9 and its overall score is 54/100, both middling. The balance-sheet risks that matter most—CET1, net interest margin, and credit quality—are not in the data, nor is the combined ratio. At 1.11 times book, the price is fair, not a screaming bargain, unless returns improve.

In plain English: Peapack-Gladstone is a small private bank and wealth manager. Its profits have bounced around over the years, but recent quarters show improvement, and the shares trade near the value of the company's net assets rather than at a rich premium. Based on the numbers given, the price looks fair to slightly cheap, though the company's returns on shareholder money are not high.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer