Peapack-Gladstone Financial Corporation (PGC) Analyse boursière

Présentation de l'entreprise

Peapack-Gladstone Financial Corporation operates as the bank holding company for Peapack Private Bank & Trust, delivering comprehensive private banking and wealth management services throughout the United States. The entity functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which implies a business model focused on localized deposit gathering and loan origination rather than large-scale national banking operations. This financial institution employs a workforce of 682 individuals and holds a market capitalization of $669.17M, while reporting annual revenue of $258.59M in the trailing twelve months. The market cap figure of $669.17M, combined with revenue of $258.59M, indicates that the company maintains a mid-sized regional footprint with significant operational scale relative to its peer group in the regional banking space. The employee base of 682 suggests a substantial internal organization required to support dual segments of Banking and Wealth Management, reflecting the labor-intensive nature of private client services.

Santé financière

The company reported a total revenue of $258.59M and a net income of $37.33M over the trailing twelve months, whereas EBITDA is not disclosed in the available financial data. The substantial difference between the revenue of $258.59M and the net income of $37.33M reveals a significant operating cost structure typical of regional banks, where high costs are incurred for personnel, technology, and regulatory compliance before reaching the bottom line. Free cash flow is not reported in the current financial records, meaning the direct cash generation from operations after capital expenditures cannot be explicitly quantified to assess immediate liquidity flexibility. The gross margin stands at 0.0%, which is characteristic of financial institutions that treat the entire cost of funds and lending as operating expenses rather than cost of goods sold. Operating margin is recorded at 25.4%, indicating that for every dollar of revenue, 25.4 cents remain after covering operating expenses, while the profit margin sits at 14.4%, showing the final portion of revenue retained as net profit. Total cash on hand amounts to $198.10M, which is lower than the total debt of $224.62M, and the debt-to-equity ratio is not available for direct calculation in this dataset. The absence of a specific current ratio metric prevents a precise assessment of short-term liquidity via current assets divided by current liabilities in this specific report. Return on Equity is 5.9% and Return on Assets is 0.5%, metrics that reveal the efficiency of management in generating profits relative to shareholder equity and the total asset base, respectively.

Évaluation de la valorisation

The trailing P/E ratio is 18.00, while the forward P/E is 8.08, a disparity that implies the market expects earnings growth that would more than halve the valuation multiple over the coming year. The price-to-book ratio is exactly 1.00, indicating that the stock trades at par value with no market premium or discount applied to the company's tangible book value. The price-to-sales ratio is 2.59, and the EV/EBITDA is not available, suggesting that revenue-based valuation is a primary metric for analysts assessing the company's relative value against peers. The 52-week high is $38.29 and the 52-week low is $23.96; without the specific current price in the facts, the exact percentage deviation cannot be calculated, but the trading range demonstrates a volatility of approximately 37% between the year's peak and trough. The beta is 0.63, which signifies that the stock price volatility is significantly lower than the broader market, making it less sensitive to general market movements compared to the S&P 500.

Growth & Income

Revenue growth year-over-year is 16.3%, while earnings growth year-over-year is 31.1%, indicating that earnings are expanding at a rate more than double that of revenue growth. This divergence suggests that the company is benefiting from improved profitability or efficiency measures that allow net income to outpace top-line revenue expansion. For dividend payers, the dividend yield is 0.5% and the payout ratio is 9.5%, which indicates a highly sustainable payout given that the company retains the vast majority of its earnings for reinvestment or debt reduction. The low payout ratio combined with strong earnings growth implies that the company prioritizes capital retention and balance sheet strengthening over distributing cash to shareholders. The overall growth and income profile reflects a regional bank with accelerating profitability and a conservative approach to dividend distribution relative to its earnings generation capacity.