PGC (Peapack Gladstone Financial) Moat Score: 3/10 (As of Aug. 20, 2026)

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PGC Peapack Gladstone Financial Corp PGC
67 GF Score
Price $45.01
GF Value $37.99
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Peapack Gladstone Financial Moat Score?

Peapack Gladstone Financial PGC -2.87% 67 Moat Score is 3 as of Aug. 20, 2026. GuruFocus rates PGC with a GF Score™ of 67/100 and a GF Value™ of $37.99 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,608 Banks companies, Peapack Gladstone Financial ranks better than 74.63% on this metric.

Peapack Gladstone Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Peapack Gladstone Financial has No Moat: Peapack Gladstone Financial Corp has limited competitive advantages. It operates in a highly competitive financial services sector with minimal customer switching costs and lacks significant brand strength or proprietary technology. Its market share is not substantial enough to provide a durable moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Peapack Gladstone Financial might have No Moat - Very weak/transient advantages.

Peapack Gladstone Financial  (NAS:PGC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Peapack Gladstone Financial Moat Score Related Terms

PGC vs ALRS, HTB, ORRF: Moat Score Comparison

For the Banks - Regional subindustry, Peapack Gladstone Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Peapack Gladstone Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Peapack Gladstone Financial's Moat Score falls into.


PGC
67GF Score
Peapack Gladstone Financial Corp PGC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Peapack Gladstone Financial (PGC) has a Moat Score of 3 as of Aug. 20, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Peapack Gladstone Financial ranks #408 out of 1608 companies in the Banks industry, placing it in the top 25.4%.
Is Peapack Gladstone Financial's Moat Score too high?
Peapack Gladstone Financial's current Moat Score is 3. Based on the distribution chart, Peapack Gladstone Financial ranks #408 out of 1608 companies in the Banks industry, which is above the industry midpoint. Overall, Peapack Gladstone Financial has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Peapack Gladstone Financial's Moat Score compare to ALRS and HTB?
According to the Banks industry distribution chart, Peapack Gladstone Financial ranks #408 out of 1608 companies for Moat Score. This puts Peapack Gladstone Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Peapack Gladstone Financial's current Moat Score is 3. 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 (PGC) is currently considered Modestly Overvalued. The stock's GF Value™ is $37.99, compared to a current price of $45.01 — trading 18.5% above its estimated fair value. The current Moat Score is 3. Peapack Gladstone Financial's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Peapack Gladstone Financial (PGC), the current Moat Score is 3 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 (PGC) Overvalued in 2026?

Based on GuruFocus' analysis, Peapack Gladstone Financial stock appears to be overvalued. The current stock price of $45.01 is trading 18.5% above its estimated GF Value™ of $37.99. GuruFocus considers Peapack Gladstone Financial to be Modestly Overvalued.

Key valuation signals for PGC:

  • Moat Score: 3
  • GF Value™: $37.99 vs. price of $45.01 (18.5% above fair value)
  • GF Score™: 67/100 with 4 warning signs

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

Peapack Gladstone Financial Business Description

Other Exchanges 45V:Germany
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.
67GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$45.01
Price
$37.99
GF Value