NASDAQ
PGC
Last Price
US $45.92
KEY FIGURES
MKT CAP
$0.8B
EPS
TTM
$2.50
PEG
TTM
0.49x
P/E
TTM
18.40x
P/S
TTM
1.78x
YIELD
0.44%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
6.68%
Return on equity
ROIC: 5.03%
Valuation History
18.6X
Price to Earnings
EV/EBITDA: 9.2X
Cash flow
Profit margin
14.17%
(FY vs FY)
EBITDA Y/Y
11.68%
(FY vs FY)
Cash flow Y/Y
-3.21%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $45.92
-95.06%
Default assumptions
EBITDA Multiple
Fair Value
Market $45.92
-76.26%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Peapack-Gladstone Financial Corporation cash flow to debt ratio of 19.90% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial risk - Healthy cash flow growth.
Peapack-Gladstone Financial Corporation's free cash flow has decreased -54.64% from $63.01M last year to $28.58M, signaling decreasing performance
Financial stability - Healthy debt to equity ratio.
Peapack-Gladstone Financial Corporation's debt to equity ratio is 0.15, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Peapack-Gladstone Financial Corporation's debt has decreased relative to shareholder equity from 0.29 last year to 0.15 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Peapack-Gladstone Financial Corporation has a net debt to EBITDA ratio of 0.46x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Peapack-Gladstone Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Peapack-Gladstone Financial Corporation's profit margin has increased (17.84%) in the last year from 8.19% to 9.65%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Peapack-Gladstone Financial Corporation's short-term liabilities of $6.66G exceed its short-term assets of $440.79M, signaling financial risk
Decreasing performance - ROA.
Peapack-Gladstone Financial Corporation's return on assets of 0.57% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Peapack-Gladstone Financial Corporation's return on equity of 6.68%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Peapack-Gladstone Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Peapack-Gladstone Financial Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Peapack-Gladstone Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Peapack-Gladstone Financial Corporation has a free cash flow yield of 3.51%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Peapack-Gladstone Financial Corporation's yearly earnings has increased 13.15% since last year from $32.99M to $37.33M, signaling increasing performance
Decreasing performance - Healthy revenue growth.
Peapack-Gladstone Financial Corporation's yearly revenue has decreased -29.76% since last year from $402.91M to $283.00M, signaling decreasing performance
Increasing performance - ROIC.
ROIC 5.03% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
Peapack-Gladstone Financial Corporation's 3-year revenue CAGR of 17.12% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Peapack-Gladstone Financial Corporation had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Peapack-Gladstone Financial Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Peapack-Gladstone Financial Corporation is overvalued relative to its fair value price of 2.27 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Peapack-Gladstone Financial Corporation has an earnings yield of 5.43%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Peapack-Gladstone Financial Corporation is overvalued relative to its fair value price of 10.90 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Peapack-Gladstone Financial Corporation has an EV/EBITDA ratio of 13.32x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Peapack-Gladstone Financial Corporation has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Peapack-Gladstone Financial Corporation has a price-to-book ratio of 1.15x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Peapack-Gladstone Financial Corporation has a price-to-sales ratio of 1.78x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue