PGC
Financial ServicesPeapack-Gladstone Financial Corporation · Banks - Regional · $760M
What is Peapack-Gladstone Financial Corporation?
Peapack-Gladstone Financial Corporation is the holding company for Peapack-Gladstone Bank, a New Jersey-based institution focused on private banking and wealth management for businesses, families, and nonprofits.
Peapack-Gladstone operates through two segments — Banking and Peapack Private. The Banking segment provides commercial lending, residential mortgages, and treasury management services. The Peapack Private segment delivers wealth management, personal trust, investment advisory, and financial planning services. Revenue is generated through net interest income on loans and fee-based wealth management services.
The company was established in 1999 and is headquartered in Bedminster, New Jersey.
- Private banking and deposit accounts
- Commercial and residential lending
- Wealth management and personal trust services
- Financial planning and investment advisory
Is PGC a Good Stock to Buy?
UQS Score rates PGC as Below Average overall, reflecting meaningful weaknesses across several key pillars.
The Valuation pillar stands out as Attractive, suggesting the stock may be priced favorably relative to its fundamentals. The Growth pillar registers as Neutral, indicating neither a clear tailwind nor a significant drag on the business trajectory.
The Quality, Moat, and Risk pillars all register as Weak — pointing to limited competitive differentiation, below-average earnings quality, and elevated risk characteristics relative to peers.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does PGC pay dividends?
Yes — Peapack-Gladstone Financial Corporation pays a dividend.
Peapack-Gladstone pays a regular dividend, which is common among community and regional bank holding companies. The dividend reflects the company's intent to return capital to shareholders. Investors focused on income should weigh the dividend against the Weak Risk pillar profile before relying on it as a primary return driver.
When does PGC report earnings?
Peapack-Gladstone Financial reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The company's Growth pillar is rated Neutral, suggesting results have been neither notably strong nor declining in recent periods. Lending activity and wealth management fee trends are the primary drivers to watch each quarter.
For the most recent quarter's results, visit Peapack-Gladstone Financial's investor relations page directly.
PGC Price History
+21.3% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Peapack-Gladstone Financial Corporation?
Based on Peapack-Gladstone Financial Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
PGC Long-term Outlook
With a Neutral Growth pillar and Weak Risk profile, the near-term fundamental outlook for PGC is cautious. The Attractive Valuation pillar suggests the market has already priced in much of the uncertainty. Sustained improvement in credit quality and wealth management fee growth would be the key catalysts for a more positive trajectory.
Growth drivers
- Expansion of wealth management and Peapack Private client assets
- Growth in commercial and industrial lending relationships
- Fee income diversification through advisory and trust services
Key risks
- Elevated risk profile relative to sector peers
- Limited competitive moat in a crowded regional banking market
- Interest rate sensitivity affecting net interest margin
PGC vs Peers
Peapack-Gladstone competes with other community and regional bank holding companies in the northeastern US and beyond.
Financial Institutions operates primarily in upstate New York, offering a broader geographic footprint within the community banking space compared to PGC's New Jersey focus.
VersaBank is a Canadian digital-first bank that differentiates itself through a branchless model, contrasting with PGC's relationship-driven private banking approach.
Shore Bancshares serves the Chesapeake Bay region and competes in similar community banking segments, though with a distinct Mid-Atlantic geographic concentration.
Frequently Asked Questions
What does Peapack-Gladstone Financial do?
Peapack-Gladstone Financial is the holding company for Peapack-Gladstone Bank, which provides private banking and wealth management services. Its clients include businesses, nonprofits, individuals, families, and trusts. Services range from commercial lending and deposit accounts to investment advisory and personal trust administration.
Does PGC pay dividends?
Yes, Peapack-Gladstone Financial pays a regular dividend. This is consistent with the capital return practices common among community bank holding companies. Income-focused investors should review the dividend in the context of the company's overall risk profile before making decisions.
When does PGC report earnings?
Peapack-Gladstone reports earnings quarterly, in line with standard practice for US-listed financial institutions. For the most current earnings schedule and recent results, check the company's official investor relations page.
Is PGC a good stock to buy?
UQS Score rates PGC as Below Average, driven by Weak readings on the Quality, Moat, and Risk pillars. The Valuation pillar is Attractive, which may interest value-oriented investors. A full pillar breakdown is available to UQS Pro members.
Is PGC overvalued?
Based on the UQS Valuation pillar, PGC is rated Attractive — meaning the stock does not appear overvalued relative to its fundamentals. However, an attractive price alone does not offset weaknesses in quality and risk, so context matters.
How does PGC compare to its competitors?
PGC competes with regional and community banks such as Financial Institutions, Inc. and Shore Bancshares. Its differentiation lies in its private banking and wealth management focus rather than broad retail banking. The UQS platform provides side-by-side pillar comparisons for Pro members.
What is PGC's market cap bracket?
Peapack-Gladstone Financial is classified as a small-cap company. This places it among smaller publicly traded financial institutions, which typically carry different liquidity and volatility characteristics compared to large- or mega-cap banks.
Who founded Peapack-Gladstone Financial?
Peapack-Gladstone Financial Corporation was established in 1999. Founding details are part of the company's publicly available corporate history, which can be found on its official website or through SEC filings.
Is PGC a long-term quality investment?
As a long-term quality indicator, PGC's Below Average UQS Score — with Weak Quality and Moat pillars — suggests the business lacks the durable competitive advantages typically associated with high-conviction long-term holdings. The Neutral Growth and Attractive Valuation pillars offer some offset worth monitoring.
What is the main competitive advantage of Peapack-Gladstone?
Peapack-Gladstone's primary differentiator is its integrated private banking and wealth management model, serving high-net-worth individuals, families, and businesses. However, the UQS Moat pillar rates this advantage as Weak, indicating limited structural protection relative to the broader financial services sector.
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Pro Analysis
PGC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 44.6 | 51.5 | 20.0 | 42.1 | 38.0 | 84.4 | +6.4 |
| May 7, 2026 | 38.2 | 30.1 | 20.0 | 42.1 | 34.2 | 80.8 | +0.1 |
| May 5, 2026 | 38.1 | 30.1 | 20.0 | 42.1 | 34.2 | 80.5 | -0.1 |
| May 3, 2026 | 38.2 | 30.1 | 20.0 | 42.3 | 34.2 | 80.5 | -0.1 |
| Apr 26, 2026 | 38.3 | 30.1 | 20.0 | 42.3 | 34.2 | 81.3 | 0.0 |
| Apr 19, 2026 | 38.3 | 30.1 | 20.0 | 42.0 | 34.2 | 81.5 | 0.0 |
| Apr 18, 2026 | 38.3 | 30.1 | 20.0 | 42.0 | 34.2 | 81.9 | -1.6 |
| Apr 12, 2026 | 39.9 | 30.1 | 20.0 | 42.0 | 34.2 | 92.3 | -0.1 |
| Apr 9, 2026 | 40.0 | 30.1 | 20.0 | 42.0 | 34.2 | 92.9 | -0.1 |
| Apr 4, 2026 | 40.1 | 30.4 | 20.0 | 42.0 | 34.2 | 92.9 | 0.0 |
PGC — Pillar Breakdown
Quality
— 51.5/100 (25%)Peapack-Gladstone Financial Corporation has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 42.1/100 (20%)Peapack-Gladstone Financial Corporation shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 38.0/100 (15%)Peapack-Gladstone Financial Corporation has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 84.4/100 (15%)Peapack-Gladstone Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 20/100 (25%)Peapack-Gladstone Financial Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for PGC.
Score Composition
Financial Data
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How is the PGC UQS Score Calculated?
The UQS (Unified Quality Score) for Peapack-Gladstone Financial Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Peapack-Gladstone Financial Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Peapack-Gladstone Financial Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.