Peapack-Gladstone Financial Corporation

Peapack-Gladstone Financial Corporation

PGCยทNASDAQ

$42.14

-3.1%
Financial ServicesBanks - Regional

Peapack-Gladstone Financial Corporation operates as the bank holding company for Peapack-Gladstone Bank that provides private banking and wealth management services in the United States. The company operates in two segments, Banking and Peapack Private. 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) and equipment finance, commercial real estate, multifamily, residential, and consumer lending activities; treasury management services; C&I advisory services; escrow management; deposit generation; asset and investment management services; personal trust services, including services as executor, trustee, administrator, custodian, and guardian; 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; and wealth management clients comprise individuals, families, foundations, endowments, trusts, and estates. The company operates its private banking locations in Bedminster, Morristown, Princeton, and Teaneck, New Jersey; and wealth management branches in Somerset, Morris, Hunterdon, and Union counties, as well as operates automated teller machines at 20 locations. Peapack-Gladstone Financial Corporation was founded in 1921 and is headquartered in Bedminster, New Jersey.

At a Glance

Live Snapshot
Market Cap$746.65M
EPS2.1200
P/E Ratio19.88
Earnings Date07/20/2026
Peapack-Gladstone Financial Corporation

Peapack-Gladstone Financial Corporation Fair Value Envelope

PGC ยท NASDAQ

Our analysis suggests that PGC has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $42.14, this represents a potential HIDDEN relative to our calculated worth for Peapack-Gladstone Financial Corporation.

Intrinsic Value
Current Price: $42.14

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$35.0M
+ Cash & Equivalents$8.7M
Firm Value$43.7M
- Debt$260.1M
Equity Value-$216.4M
/ Shares Outstanding17,618,537B
DCF Value-$12
OVERVALUED BY 129%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$21.6M
$10.8M
$5.4M
$2.7M
$1.3M
$673.9K
$337.0K
$168.5K
$84.2K
$42.1K
Maintenance CapEx
-$1.5M
-$727.7K
-$363.9K
-$181.9K
-$91.0K
-$45.5K
-$22.7K
-$11.4K
-$5.7K
-$2.8K
Owner Earnings
$20.1M
$10.1M
$5.0M
$2.5M
$1.3M
$628.5K
$314.2K
$157.1K
$78.6K
$39.3K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$18.6M
$8.6M
$4.0M
$1.8M
$855.4K
$396.0K
$183.3K
$84.9K
$39.3K
$18.2K
Terminal Value represents 0.9% of Enterprise Value