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Upturn AI SWOT - About
PGC 
Peapack-Gladstone Financial (PGC)
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Upturn Advisory Summary
04/01/2025: PGC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -5.98% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 511.35M USD | Price to earnings Ratio 15.71 | 1Y Target Price 38 |
Price to earnings Ratio 15.71 | 1Y Target Price 38 | ||
Volume (30-day avg) 91778 | Beta 1 | 52 Weeks Range 20.20 - 37.77 | Updated Date 04/1/2025 |
52 Weeks Range 20.20 - 37.77 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 0.70% | Basic EPS (TTM) 1.85 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 14.97% | Operating Margin (TTM) 21.91% |
Management Effectiveness
Return on Assets (TTM) 0.49% | Return on Equity (TTM) 5.55% |
Valuation
Trailing PE 15.71 | Forward PE 9.6 | Enterprise Value 286704480 | Price to Sales(TTM) 2.32 |
Enterprise Value 286704480 | Price to Sales(TTM) 2.32 | ||
Enterprise Value to Revenue 3.08 | Enterprise Value to EBITDA - | Shares Outstanding 17596200 | Shares Floating 14920009 |
Shares Outstanding 17596200 | Shares Floating 14920009 | ||
Percent Insiders 10.85 | Percent Institutions 80 |
Analyst Ratings
Rating 4.33 | Target Price 38.67 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Peapack-Gladstone Financial
Company Overview
History and Background
Peapack-Gladstone Financial Corporation was founded in 1921. Initially serving the local community, it has grown into a financial services company providing banking, wealth management, and investment services. The company has expanded its presence in New Jersey and surrounding areas through strategic acquisitions and organic growth.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and term loans.
- Wealth Management: Offers financial planning, investment management, trust and estate services to high-net-worth individuals and families.
- Retail Banking: Provides traditional banking services such as checking accounts, savings accounts, and personal loans to individuals.
Leadership and Structure
The leadership team consists of the Chief Executive Officer (CEO), Chief Financial Officer (CFO), and other key executives. The organizational structure includes various departments responsible for different business functions, such as lending, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial Real Estate Loans are an important product, generating substantial revenue. Market share data is not publicly available in a consolidated format; this varies based on specific local markets. Competitors include regional and national banks like Bank of America (BAC), Wells Fargo (WFC), and M&T Bank (MTB).
- Wealth Management Services: Wealth management services cater to high-net-worth individuals. Revenue contributions are significant. Specific market share figures are not easily obtained. Competitors are Goldman Sachs (GS), Morgan Stanley (MS), and regional wealth management firms.
Market Dynamics
Industry Overview
The financial services industry is currently facing a complex landscape with changing regulations, increasing competition, and technological advancements. Interest rate fluctuations and economic uncertainty also play a major role.
Positioning
Peapack-Gladstone Financial positions itself as a relationship-focused financial services provider, targeting affluent individuals and businesses in the New Jersey market. Its competitive advantages include strong local presence, personalized service, and comprehensive financial solutions.
Total Addressable Market (TAM)
The estimated TAM is in the billions, considering the high net worth populations and the number of commercial enterprises in the New Jersey region. Peapack-Gladstone Financial is positioned to capture a share of this market by focusing on personalized services and niche markets.
Upturn SWOT Analysis
Strengths
- Strong local presence in New Jersey
- Experienced management team
- Comprehensive range of financial services
- Focus on high-net-worth clients
Weaknesses
- Limited geographic diversification
- Smaller size compared to national competitors
- Dependence on the New Jersey economy
Opportunities
- Expansion into new markets within the Northeast region
- Acquisition of smaller banks or wealth management firms
- Development of new digital banking services
- Growth in the wealth management sector
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the New Jersey region
- Rising interest rates
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- MTB
- TCBI
- PNFP
- FFWM
- CMA
Competitive Landscape
Peapack-Gladstone Financial faces competition from larger national banks and smaller regional players. Its competitive advantages include personalized service, strong local presence, and a focus on high-net-worth clients. Disadvantages include limited geographic diversification and smaller size.
Major Acquisitions
Summit Bancorp
- Year: 2014
- Acquisition Price (USD millions): 132.6
- Strategic Rationale: Expanded the bank's presence in central and northern New Jersey.
Growth Trajectory and Initiatives
Historical Growth: Peapack-Gladstone Financial has experienced steady growth in assets and revenue over the past years, driven by organic growth and strategic acquisitions.
Future Projections: Analyst projections for future growth are positive, with expectations for continued expansion in the wealth management and commercial banking segments. Monitor interest rates.
Recent Initiatives: Recent strategic initiatives include the expansion of digital banking services, investment in technology, and strategic acquisitions to expand market presence.
Summary
Peapack-Gladstone Financial exhibits solid growth potential within its New Jersey stronghold, leveraging its wealth management and commercial banking strengths. The bank's smaller size compared to national giants, and dependency on the New Jersey economy pose some risk factors. The bank needs to be mindful of rising interest rates and increasing competition from larger banks and fintech firms. Continued strategic initiatives that focuses on digital banking services, technology and market expansion should solidify its position.
Similar Companies
CMA
Comerica Inc
CMA
Comerica Inc
FFWM
First Foundation Inc.
FFWM
First Foundation Inc.
MTB
M&T Bank Corporation
MTB
M&T Bank Corporation
PNFP
Pinnacle Financial Partners Inc
PNFP
Pinnacle Financial Partners Inc
TCBI
Texas Capital Bancshares Inc
TCBI
Texas Capital Bancshares Inc
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Third-party financial data providers
- Analyst reports
- Company website
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Investment decisions should be based on individual circumstances and after consulting with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Peapack-Gladstone Financial
Exchange NASDAQ | Headquaters Bedminster, NJ, United States | ||
IPO Launch date 1999-04-27 | President, CEO & Director Mr. Douglas L. Kennedy | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 620 | Website https://www.peapackprivate.com |
Full time employees 620 | Website https://www.peapackprivate.com | ||
Peapack-Gladstone Financial Corporation operates as the bank holding company for Peapack Private Bank & Trust that provides private banking and wealth management services in the United States. The company operates in two segments, Banking and Wealth Management. It offers checking and savings accounts, money market and interest-bearing checking accounts, certificates of deposit, and individual retirement accounts. The company also provides working capital lines of credit, term loans for fixed asset acquisitions, commercial mortgages, multi-family mortgages, and other forms of asset-based financing services; and residential mortgages, home equity lines of credit, and other second mortgage loans. In addition, it offers corporate and industrial (C&I) lending and equipment finance, commercial real estate, multifamily, residential, and consumer lending activities; treasury management services; C&I advisory services; escrow management; deposit generation; investment management services; personal trust services, including services as executor, trustee, administrator, custodian, and guardian; operation of ATMs; and other financial planning, tax preparation, and advisory services. Further, the company provides telephone and Internet banking, merchant credit card, and customer support sales services. Its private banking clients include businesses, non-profits, and consumers; wealth management clients include individuals, families, foundations, endowments, trusts, and estates; and commercial loan clients include business owners, professionals, retailers, contractors, and real estate investors. The company operates its private banking locations in Bedminster, Morristown, Princeton, and Teaneck, New Jersey; and branches in Somerset, Morris, Hunterdon, and Union counties, as well as operates automated teller machines. Peapack-Gladstone Financial Corporation was founded in 1921 and is headquartered in Bedminster, New Jersey.
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