PGC PE Ratio & Valuation,Is PGC Overvalued

PGC Relative Valuation

PGC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PGC is overvalued; if below, it's undervalued.

Historical Valuation

Peapack-Gladstone Financial Corp (PGC) is now in the Fair zone, suggesting that its current forward PE ratio of 9.74 is considered Fairly compared with the five-year average of 10.98. The fair price of Peapack-Gladstone Financial Corp (PGC) is between 28.33 to 40.61 according to relative valuation methord.

Relative Value

Fair Zone

28.33-40.61

Current Price：29.60

Fair

9.74

0.00

EV/EBITDA

Peapack-Gladstone Financial Corp. (PGC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Peapack-Gladstone Financial Corp. (PGC) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

1.66

Peapack-Gladstone Financial Corp. (PGC) has a current PS of 1.66. The 5-year average PS is 2.21. The thresholds are as follows: Strongly Undervalued below 1.37, Undervalued between 1.37 and 1.79, Fairly Valued between 2.63 and 1.79, Overvalued between 2.63 and 3.06, and Strongly Overvalued above 3.06. The current Forward PS of 1.66 falls within the Undervalued range.

0.00

P/OCF

Peapack-Gladstone Financial Corp. (PGC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Peapack-Gladstone Financial Corp. (PGC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Peapack-Gladstone Financial Corp (PGC) has a current Price-to-Book (P/B) ratio of 0.80. Compared to its 3-year average P/B ratio of 0.85 , the current P/B ratio is approximately -5.42% higher. Relative to its 5-year average P/B ratio of 0.95, the current P/B ratio is about -15.65% higher. Peapack-Gladstone Financial Corp (PGC) has a Forward Free Cash Flow (FCF) yield of approximately 10.62%. Compared to its 3-year average FCF yield of 12.94%, the current FCF yield is approximately -17.91% lower. Relative to its 5-year average FCF yield of 12.57% , the current FCF yield is about -15.52% lower.

0.80

P/B

Median3y

0.85

Median5y

0.95

10.62

FCF Yield

Median3y

12.94

Median5y

12.57

Competitors Valuation Multiple

The average P/S ratio for PGC's competitors is 2.49, providing a benchmark for relative valuation. Peapack-Gladstone Financial Corp Corp (PGC) exhibits a P/S ratio of 1.66, which is -33.12% above the industry average. Given its robust revenue growth of 23.70%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of PGC decreased by 7.46% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 55.46M to 68.60M.

The secondary factor is the Margin Expansion, contributed 2.63%to the performance.

Overall, the performance of PGC in the past 1 year is driven by Revenue Growth. Which is more sustainable.

23.70%

55.46M → 68.60M

Revenue Growth

2.63%

13.68 → 14.04

Margin Expansion

-33.79%

23.23 → 15.38

P/E Change

-7.46%

32.05 → 29.66

Mkt Cap Growth

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Frequently Asked Questions

Is Peapack-Gladstone Financial Corp (PGC) currently overvalued or undervalued?

What is Peapack-Gladstone Financial Corp (PGC) fair value?

PGC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Peapack-Gladstone Financial Corp (PGC) is between 28.33 to 40.61 according to relative valuation methord.

How does PGC's valuation metrics compare to the industry average?

What is the current P/B ratio for Peapack-Gladstone Financial Corp (PGC) as of Dec 15 2025?

As of Dec 15 2025, Peapack-Gladstone Financial Corp (PGC) has a P/B ratio of 0.80. This indicates that the market values PGC at 0.80 times its book value.

What is the current FCF Yield for Peapack-Gladstone Financial Corp (PGC) as of Dec 15 2025?

As of Dec 15 2025, Peapack-Gladstone Financial Corp (PGC) has a FCF Yield of 10.62%. This means that for every dollar of Peapack-Gladstone Financial Corp’s market capitalization, the company generates 10.62 cents in free cash flow.

What is the current Forward P/E ratio for Peapack-Gladstone Financial Corp (PGC) as of Dec 15 2025?

As of Dec 15 2025, Peapack-Gladstone Financial Corp (PGC) has a Forward P/E ratio of 9.74. This means the market is willing to pay $9.74 for every dollar of Peapack-Gladstone Financial Corp’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Peapack-Gladstone Financial Corp (PGC) as of Dec 15 2025?

As of Dec 15 2025, Peapack-Gladstone Financial Corp (PGC) has a Forward P/S ratio of 1.66. This means the market is valuing PGC at $1.66 for every dollar of expected revenue over the next 12 months.

PGC Valuation

PGC Valuation

PGC Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

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Frequently Asked Questions

Is Peapack-Gladstone Financial Corp (PGC) currently overvalued or undervalued?

What is Peapack-Gladstone Financial Corp (PGC) fair value?

How does PGC's valuation metrics compare to the industry average?

What is the current P/B ratio for Peapack-Gladstone Financial Corp (PGC) as of Dec 15 2025?

What is the current FCF Yield for Peapack-Gladstone Financial Corp (PGC) as of Dec 15 2025?

What is the current Forward P/E ratio for Peapack-Gladstone Financial Corp (PGC) as of Dec 15 2025?

What is the current Forward P/S ratio for Peapack-Gladstone Financial Corp (PGC) as of Dec 15 2025?