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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.77
PGC's Cash to Debt is ranked lower than
61% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. PGC: 0.77 )
Ranked among companies with meaningful Cash to Debt only.
PGC' s 10-Year Cash to Debt Range
Min: 0.15  Med: 1.46 Max: No Debt
Current: 0.77
Equity to Asset 0.09
PGC's Equity to Asset is ranked lower than
62% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PGC: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
PGC' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.1
Current: 0.09
0.06
0.1
Interest Coverage 3.16
PGC's Interest Coverage is ranked higher than
68% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. PGC: 3.16 )
Ranked among companies with meaningful Interest Coverage only.
PGC' s 10-Year Interest Coverage Range
Min: 0.4  Med: 1.10 Max: 3.45
Current: 3.16
0.4
3.45
F-Score: 5
WACC vs ROIC
8.60%
7.31%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 29.63
PGC's Operating margin (%) is ranked higher than
50% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. PGC: 29.63 )
Ranked among companies with meaningful Operating margin (%) only.
PGC' s 10-Year Operating margin (%) Range
Min: -687.56  Med: 27.38 Max: 44.45
Current: 29.63
-687.56
44.45
Net-margin (%) 18.02
PGC's Net-margin (%) is ranked lower than
62% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. PGC: 18.02 )
Ranked among companies with meaningful Net-margin (%) only.
PGC' s 10-Year Net-margin (%) Range
Min: -437.79  Med: 23.77 Max: 123.14
Current: 18.02
-437.79
123.14
ROE (%) 8.13
PGC's ROE (%) is ranked higher than
50% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. PGC: 8.13 )
Ranked among companies with meaningful ROE (%) only.
PGC' s 10-Year ROE (%) Range
Min: -23.06  Med: 11.23 Max: 17.01
Current: 8.13
-23.06
17.01
ROA (%) 0.66
PGC's ROA (%) is ranked lower than
60% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PGC: 0.66 )
Ranked among companies with meaningful ROA (%) only.
PGC' s 10-Year ROA (%) Range
Min: -1.61  Med: 0.90 Max: 1.52
Current: 0.66
-1.61
1.52
ROC (Joel Greenblatt) (%) 76.68
PGC's ROC (Joel Greenblatt) (%) is ranked higher than
51% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. PGC: 76.68 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PGC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -130.32  Med: 46.44 Max: 202.06
Current: 76.68
-130.32
202.06
Revenue Growth (3Y)(%) -1.00
PGC's Revenue Growth (3Y)(%) is ranked lower than
65% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. PGC: -1.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PGC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 5.10 Max: 134.8
Current: -1
0
134.8
EBITDA Growth (3Y)(%) 5.10
PGC's EBITDA Growth (3Y)(%) is ranked lower than
56% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. PGC: 5.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PGC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 1.70 Max: 19.9
Current: 5.1
0
19.9
EPS Growth (3Y)(%) -0.80
PGC's EPS Growth (3Y)(%) is ranked lower than
72% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. PGC: -0.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PGC' s 10-Year EPS Growth (3Y)(%) Range
Min: -20.4  Med: 12.70 Max: 18.5
Current: -0.8
-20.4
18.5
» PGC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

PGC Guru Trades in Q2 2014

Chuck Royce 658,298 sh (unchged)
Jim Simons 68,320 sh (-7.01%)
» More
Q3 2014

PGC Guru Trades in Q3 2014

Jim Simons 76,042 sh (+11.30%)
Chuck Royce 658,298 sh (unchged)
» More
Q4 2014

PGC Guru Trades in Q4 2014

Michael Price 100,000 sh (New)
Jim Simons 112,763 sh (+48.29%)
Chuck Royce 658,298 sh (unchged)
Chuck Royce 658,298 sh (unchged)
» More
Q1 2015

PGC Guru Trades in Q1 2015

Jim Simons 115,320 sh (+2.27%)
Michael Price 100,000 sh (unchged)
Chuck Royce 658,298 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with PGC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.16
PGC's P/E(ttm) is ranked lower than
68% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. PGC: 17.16 )
Ranked among companies with meaningful P/E(ttm) only.
PGC' s 10-Year P/E(ttm) Range
Min: 8  Med: 17.95 Max: 28.67
Current: 17.16
8
28.67
Forward P/E 16.50
PGC's Forward P/E is ranked lower than
84% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. PGC: 16.50 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.70
PGC's PE(NRI) is ranked lower than
68% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. PGC: 17.70 )
Ranked among companies with meaningful PE(NRI) only.
PGC' s 10-Year PE(NRI) Range
Min: 8.02  Med: 17.95 Max: 28.72
Current: 17.7
8.02
28.72
P/B 1.39
PGC's P/B is ranked lower than
70% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. PGC: 1.39 )
Ranked among companies with meaningful P/B only.
PGC' s 10-Year P/B Range
Min: 0.81  Med: 1.36 Max: 2.95
Current: 1.39
0.81
2.95
P/S 3.08
PGC's P/S is ranked lower than
54% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. PGC: 3.08 )
Ranked among companies with meaningful P/S only.
PGC' s 10-Year P/S Range
Min: 1.32  Med: 2.88 Max: 55.84
Current: 3.08
1.32
55.84
PFCF 14.12
PGC's PFCF is ranked lower than
62% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. PGC: 14.12 )
Ranked among companies with meaningful PFCF only.
PGC' s 10-Year PFCF Range
Min: 3.14  Med: 13.57 Max: 41.46
Current: 14.12
3.14
41.46
POCF 12.34
PGC's POCF is ranked lower than
62% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. PGC: 12.34 )
Ranked among companies with meaningful POCF only.
PGC' s 10-Year POCF Range
Min: 2.94  Med: 11.38 Max: 24.48
Current: 12.34
2.94
24.48
EV-to-EBIT 13.55
PGC's EV-to-EBIT is ranked higher than
54% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. PGC: 13.55 )
Ranked among companies with meaningful EV-to-EBIT only.
PGC' s 10-Year EV-to-EBIT Range
Min: -8  Med: 12.10 Max: 23.5
Current: 13.55
-8
23.5
PEG 1.99
PGC's PEG is ranked lower than
71% of the 542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. PGC: 1.99 )
Ranked among companies with meaningful PEG only.
PGC' s 10-Year PEG Range
Min: 1.15  Med: 1.83 Max: 2.74
Current: 1.99
1.15
2.74
Shiller P/E 21.80
PGC's Shiller P/E is ranked lower than
69% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. PGC: 21.80 )
Ranked among companies with meaningful Shiller P/E only.
PGC' s 10-Year Shiller P/E Range
Min: 13.97  Med: 21.85 Max: 78.22
Current: 21.8
13.97
78.22
Days Sales Outstanding 23.18
PGC's Days Sales Outstanding is ranked higher than
75% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. PGC: 23.18 )
Ranked among companies with meaningful Days Sales Outstanding only.
PGC' s 10-Year Days Sales Outstanding Range
Min: 19.4  Med: 37.57 Max: 300.76
Current: 23.18
19.4
300.76

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
PGC's Dividend Yield is ranked lower than
91% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. PGC: 0.90 )
Ranked among companies with meaningful Dividend Yield only.
PGC' s 10-Year Dividend Yield Range
Min: 0.87  Med: 1.60 Max: 5.12
Current: 0.9
0.87
5.12
Dividend Payout 0.15
PGC's Dividend Payout is ranked higher than
85% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. PGC: 0.15 )
Ranked among companies with meaningful Dividend Payout only.
PGC' s 10-Year Dividend Payout Range
Min: 0.09  Med: 0.24 Max: 0.84
Current: 0.15
0.09
0.84
Yield on cost (5-Year) 0.78
PGC's Yield on cost (5-Year) is ranked lower than
91% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. PGC: 0.78 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PGC' s 10-Year Yield on cost (5-Year) Range
Min: 0.75  Med: 1.38 Max: 4.42
Current: 0.78
0.75
4.42
Share Buyback Rate -11.70
PGC's Share Buyback Rate is ranked lower than
81% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. PGC: -11.70 )
Ranked among companies with meaningful Share Buyback Rate only.
PGC' s 10-Year Share Buyback Rate Range
Min: 0.5  Med: -0.20 Max: -11.7
Current: -11.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.37
PGC's Price/Tangible Book is ranked lower than
63% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. PGC: 1.37 )
Ranked among companies with meaningful Price/Tangible Book only.
PGC' s 10-Year Price/Tangible Book Range
Min: 0.82  Med: 1.98 Max: 2.97
Current: 1.37
0.82
2.97
Price/Projected FCF 0.87
PGC's Price/Projected FCF is ranked lower than
69% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. PGC: 0.87 )
Ranked among companies with meaningful Price/Projected FCF only.
PGC' s 10-Year Price/Projected FCF Range
Min: 0.38  Med: 0.79 Max: 1.57
Current: 0.87
0.38
1.57
Price/Median PS Value 1.07
PGC's Price/Median PS Value is ranked higher than
56% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. PGC: 1.07 )
Ranked among companies with meaningful Price/Median PS Value only.
PGC' s 10-Year Price/Median PS Value Range
Min: 0.45  Med: 1.58 Max: 16.91
Current: 1.07
0.45
16.91
Price/Peter Lynch Fair Value 2.22
PGC's Price/Peter Lynch Fair Value is ranked lower than
89% of the 357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. PGC: 2.22 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PGC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.42  Med: 1.75 Max: 2.52
Current: 2.22
0.42
2.52
Price/Graham Number 1.11
PGC's Price/Graham Number is ranked lower than
71% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. PGC: 1.11 )
Ranked among companies with meaningful Price/Graham Number only.
PGC' s 10-Year Price/Graham Number Range
Min: 0.49  Med: 1.23 Max: 1.67
Current: 1.11
0.49
1.67
Earnings Yield (Greenblatt) (%) 7.62
PGC's Earnings Yield (Greenblatt) (%) is ranked higher than
59% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. PGC: 7.62 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PGC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.2  Med: 7.60 Max: 71.5
Current: 7.62
4.2
71.5
Forward Rate of Return (Yacktman) (%) 17.96
PGC's Forward Rate of Return (Yacktman) (%) is ranked higher than
60% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. PGC: 17.96 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PGC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 4.6  Med: 13.00 Max: 22
Current: 17.96
4.6
22

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Peapack Gladstone Financial Corp was incorporated in Jersey in August 1997, by the Board of Directors of Peapack-Gladstone Bank, its subsidiary, to become a holding company for the Bank. The Company offers financial services through full-service banking offices and mini-branches. It offers a range of consumer banking services, including checking and savings accounts, money market and interest-bearing checking accounts, certificates of deposit, and individual retirement accounts held in certificates of deposit. The bank also offers residential and construction mortgages, home equity lines of credit and other second mortgage loans. For children, the bank offers a special pony club savings account. New Jersey Consumer Checking Accounts are offered to low income customers. In addition, the bank provides foreign and domestic travelers' checks, cashier's checks and wire transfers. Automated teller machines are available at several locations. Internet banking is available to customers including an online bill payment option. The Corporation assesses its results among two operating segments, Banking and PGB Trust and Investments. The Banking segment includes commercial, commercial real estate, residential and consumer lending activities; deposit generation; operation of ATMs; telephone and internet banking services; merchant credit card services and customer support and sales. PGB Trust & Investments includes asset management services provided for individuals and institutions; personal trust services, including services as executor, trustee, administrator, custodian and guardian; corporate trust services including services as trustee for pension and profit sharing plans; and other financial planning and advisory services. The Company is subject to regulation and supervision by the New Jersey Department of Banking and Insurance and the Federal Reserve Bank. Regulatory requirements affect the Company's lending practices, capital structure, investment practices, dividend policy and growth.
» More Articles for PGC

Headlines

Articles On GuruFocus.com
Patrick R. Brocker Joins Peapack-Gladstone Bank Apr 13 2015 
Peapack-Gladstone Financial Corporation to Acquire Wealth Management Consultants, (NJ), LLC Mar 19 2015 
Plato Gold Reports on Third Quarter Results Nov 27 2014 
PeapackGladstone Financial Corp Reports Operating Results (10-K) Mar 16 2011 
PeapackGladstone Financial Corp (PGC) CFO Jeffrey J Carfora buys 1,000 Shares Feb 11 2011 
PeapackGladstone Financial Corp (PGC) CFO Jeffrey J Carfora buys 1,000 Shares Dec 01 2010 
PeapackGladstone Financial Corp (PGC) CFO Jeffrey J Carfora buys 1,000 Shares Aug 12 2010 
PeapackGladstone Financial Corp (PGC) CFO Jeffrey J Carfora buys 1,000 Shares May 26 2010 
PeapackGladstone Financial Corp (PGC) CFO Jeffrey J Carfora buys 1,000 Shares Dec 02 2009 
PeapackGladstone Financial Corp (PGC) CFO Jeffrey J Carfora buys 1,250 Shares Nov 06 2009 

More From Other Websites
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Philip J. Bowers, IV Joins Peapack-Gladstone Bank Jun 02 2015
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10-Q for Peapack-Gladstone Financial Corp. May 11 2015
PEAPACK GLADSTONE FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 08 2015
10-K for Peapack-Gladstone Financial Corp. May 05 2015
Peapack-Gladstone Bank Acquires Wealth Management Consultants, (NJ), LLC. May 05 2015
Peapack-Gladstone Bank Acquires Wealth Management Consultants, (NJ), LLC. May 05 2015
PEAPACK GLADSTONE FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security... Apr 30 2015
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PEAPACK GLADSTONE FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 28 2015
Peapack-Gladstone posts 1Q profit Apr 28 2015
Peapack-Gladstone posts 1Q profit Apr 28 2015
Peapack-Gladstone Financial Corporation Reports Another Strong Quarter Apr 28 2015
Peapack-Gladstone Financial Corporation Declares Quarterly Cash Dividend Apr 23 2015
Peapack-Gladstone Financial Corporation Declares Quarterly Cash Dividend Apr 23 2015
Peapack-Gladstone Bank and Doug Kennedy Receive Corporate LiveWire Innovation & Excellence "CEO of... Apr 22 2015
Peapack-Gladstone Bank and Doug Kennedy Receive Corporate LiveWire Innovation & Excellence "CEO of... Apr 22 2015
Patrick R. Brocker Joins Peapack-Gladstone Bank Apr 13 2015
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