Peapack Gladstone Financial (FRA:45V) Margin of Safety % (DCF Dividends Based): -53.31% (As of Aug. 20, 2026)

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 Margin of Safety % (DCF Dividends Based)?

Peapack Gladstone Financial FRA:45V -0.50% 74 Margin of Safety % (DCF Dividends Based) is -53.31% as of Aug. 20, 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.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-08-20), Peapack Gladstone Financial's Predictability Rank is 4.5-Stars. Peapack Gladstone Financial's intrinsic value calculated from the Discounted Dividend model is €28.70 and current share price is €39.60. Consequently,

Peapack Gladstone Financial's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is -53.31%.


FRA:45V vs ALRS, HTB, ORRF: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, Peapack Gladstone Financial's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Peapack Gladstone Financial's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Peapack Gladstone Financial's Margin of Safety % (DCF Dividends Based) falls into.


FRA:45V
74GF Score
Peapack Gladstone Financial Corp FRA:45V
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Peapack Gladstone Financial Margin of Safety % (DCF Dividends Based) Calculation

Peapack Gladstone Financial's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(25.83-39.60)/25.83
=-53.31 %

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of -53.31% mean?
Peapack Gladstone Financial (FRA:45V) has a Margin of Safety % (DCF Dividends Based) of -53.31% as of Aug. 20, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Peapack Gladstone Financial.
Is Peapack Gladstone Financial's Margin of Safety % (DCF Dividends Based) too high?
Peapack Gladstone Financial's current Margin of Safety % (DCF Dividends Based) is -53.31%. 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 Margin of Safety % (DCF Dividends Based) compare to ALRS and HTB?
Peapack Gladstone Financial's Margin of Safety % (DCF Dividends Based) of -53.31% 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 Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Peapack Gladstone Financial. Peapack Gladstone Financial's current Margin of Safety % (DCF Dividends Based) is -53.31%. 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 Margin of Safety % (DCF Dividends Based) is -53.31%. 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 Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For Peapack Gladstone Financial (FRA:45V), the current Margin of Safety % (DCF Dividends Based) is -53.31% as of Aug. 20, 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:

  • Margin of Safety % (DCF Dividends Based): -53.31%
  • 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

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€39.60
Price
€33.42
GF Value