Peapack Gladstone Financial (FRA:45V) Cyclically Adjusted FCF per Share: €3.79 (As of Jun. 2026)

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FRA:45V Peapack Gladstone Financial Corp FRA:45V
74 GF Score
Price €39.60
GF Value €33.42
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Peapack Gladstone Financial Cyclically Adjusted FCF per Share?

Peapack Gladstone Financial FRA:45V -0.50% 74 Cyclically Adjusted FCF per Share is €3.79 as of Jun. 2026. GuruFocus rates FRA:45V with a GF Score™ of 74/100 and a GF Value™ of €33.42 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Peapack Gladstone Financial's adjusted free cash flow per share for the three months ended in Jun. 2026 was €2.265. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €3.79 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Peapack Gladstone Financial's average Cyclically Adjusted FCF Growth Rate was 11.90% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 2.40% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 7.10% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 8.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Peapack Gladstone Financial was 12.60% per year. The lowest was 2.40% per year. And the median was 7.65% per year.

As of today (2026-08-20), Peapack Gladstone Financial's current stock price is €39.60. Peapack Gladstone Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was €3.79. Peapack Gladstone Financial's Cyclically Adjusted Price-to-FCF of today is 10.45.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Peapack Gladstone Financial was 16.84. The lowest was 4.68. And the median was 10.09.


Peapack Gladstone Financial  (FRA:45V) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Peapack Gladstone Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=39.60/3.79
=10.45

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Peapack Gladstone Financial was 16.84. The lowest was 4.68. And the median was 10.09.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Peapack Gladstone Financial Cyclically Adjusted FCF per Share Related Terms


Peapack Gladstone Financial Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Peapack Gladstone Financial's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Peapack Gladstone Financial Cyclically Adjusted FCF per Share Chart

Peapack Gladstone Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.75 3.40 3.39 3.49 3.38

Peapack Gladstone Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.29 3.45 3.38 3.54 3.79

FRA:45V vs ALRS, HTB, ORRF: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Peapack Gladstone Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Peapack Gladstone Financial Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Peapack Gladstone Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Peapack Gladstone Financial's Cyclically Adjusted Price-to-FCF falls into.


FRA:45V
74GF Score
Peapack Gladstone Financial Corp FRA:45V
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Peapack Gladstone Financial Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Peapack Gladstone Financial's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=2.265/333.9520*333.9520
=2.265

Current CPI (Jun. 2026) = 333.9520.

Peapack Gladstone Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.755 241.428 1.044
201612 0.530 241.432 0.733
201703 1.232 243.801 1.688
201706 0.360 244.955 0.491
201709 0.579 246.819 0.783
201712 0.497 246.524 0.673
201803 0.593 249.554 0.794
201806 0.763 251.989 1.011
201809 1.149 252.439 1.520
201812 0.296 251.233 0.393
201903 1.428 254.202 1.876
201906 0.531 256.143 0.692
201909 1.053 256.759 1.370
201912 0.871 256.974 1.132
202003 0.307 258.115 0.397
202006 0.602 257.797 0.780
202009 -0.140 260.280 -0.180
202012 0.747 260.474 0.958
202103 1.207 264.877 1.522
202106 0.982 271.696 1.207
202109 0.619 274.310 0.754
202112 0.300 278.802 0.359
202203 1.454 287.504 1.689
202206 1.968 296.311 2.218
202209 1.850 296.808 2.082
202212 0.645 296.797 0.726
202303 1.961 301.836 2.170
202306 0.219 305.109 0.240
202309 1.239 307.789 1.344
202312 0.017 306.746 0.019
202403 0.930 312.332 0.994
202406 -0.022 314.175 -0.023
202409 1.171 315.301 1.240
202412 1.182 315.605 1.251
202503 -0.596 319.799 -0.622
202506 0.485 322.561 0.502
202509 1.638 324.800 1.684
202512 -0.187 324.054 -0.193
202603 1.135 330.213 1.148
202606 2.265 333.952 2.265

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €3.79 mean?
Peapack Gladstone Financial (FRA:45V) has a Cyclically Adjusted FCF per Share of €3.79 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Peapack Gladstone Financial and its competitors.
Is Peapack Gladstone Financial's Cyclically Adjusted FCF per Share too high?
Peapack Gladstone Financial's current Cyclically Adjusted FCF per Share is €3.79. Overall, Peapack Gladstone Financial has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Peapack Gladstone Financial's Cyclically Adjusted FCF per Share compare to ALRS and HTB?
Peapack Gladstone Financial's Cyclically Adjusted FCF per Share of €3.79 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Peapack Gladstone Financial and its competitors. Peapack Gladstone Financial's current Cyclically Adjusted FCF per Share is €3.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Peapack Gladstone Financial stock overvalued right now?
Based on GuruFocus' analysis, Peapack Gladstone Financial (FRA:45V) is currently considered Modestly Overvalued. The stock's GF Value™ is €33.42, compared to a current price of €39.60 — trading 18.5% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €3.79. Peapack Gladstone Financial's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Peapack Gladstone Financial (FRA:45V), the current Cyclically Adjusted FCF per Share is €3.79 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Peapack Gladstone Financial (FRA:45V) Overvalued in 2026?

Based on GuruFocus' analysis, Peapack Gladstone Financial stock appears to be overvalued. The current stock price of €39.60 is trading 18.5% above its estimated GF Value™ of €33.42. GuruFocus considers Peapack Gladstone Financial to be Modestly Overvalued.

Key valuation signals for FRA:45V:

  • Cyclically Adjusted FCF per Share: €3.79
  • GF Value™: €33.42 vs. price of €39.60 (18.5% above fair value)
  • GF Score™: 74/100 with 4 warning signs

No single metric tells the full story. See the FRA:45V stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Peapack Gladstone Financial Business Description

Other Exchanges PGC:USA
Address 500 Hills Drive, Suite 300, Bedminster, NJ, USA, 07921
Peapack Gladstone Financial Corp is a bank holding company. Through its subsidiaries, the company offers various wealth management, investment banking, and commercial and personal banking solutions to its clients. The company has two reportable segments: Banking, which generates the maximum revenue, and Wealth Management. The Banking segment includes commercial, commercial real estate, multifamily, residential, and consumer lending activities; treasury management services; escrow management; deposit generation; operation of ATMs; telephone and internet banking services; credit card services, etc. The Wealth Management segment offers investment management services for individuals and institutions; personal trust services; and other financial planning and advisory services.
74GF Score

Get the complete analysis for FRA:45V

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€39.60
Price
€33.42
GF Value