PGC
Peapack-Gladstone Financial CorporationFinancial Services·Banks - Regional
$43.25
$766M market cap
Revenue
$233.3M
Free Cash Flow
$19.4M
Rev Growth
+0.0%
FCF Margin
8.3%
P/FCF
39.5x
EV/FCF
44.5x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Peapack-Gladstone Financial Corporation operates as the bank holding company for Peapack-Gladstone Bank that provides private banking and wealth management services in the United States. The company operates in two segments, Banking and Peapack Private. It offers checking and savings accounts, money market and interest-bearing checking accounts, certificates of deposit, and individual retirement accounts. The company also provides working capital lines of credit, term loans for fixed asset acqui
2-Year Price History
$42.83+100.0%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 117.7 | 19.7 | 19.7 | 14.2 | 24.6 | 23.3 | -1.3 | 9.2 | 106.4 | 17.8 | 15.8% | 0.6x | -- |
| Act | 2025-Q4 | 115.6 | 24.1 | 17.0 | 12.2 | -1.1 | -3.9 | -2.8 | 408.8 | 216.8 | 17.7 | 11.3% | 0.6x | -- |
Valuation & Metrics
Market Stats
Price$43.25
Market Cap$766M
Enterprise Value$864M
P/S Ratio3.3x
P/FCF39.5x
EV/FCF44.5x
FCF Margin (TTM)8.3%
FCF Yield2.5%
Dividend Yield (TTM)0.6%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$233.3M
Net Income$26.3M
Free Cash Flow$19.4M
Revenue Growth (YoY)+0.0%
EBITDA Margin18.8%
Net Margin11.3%
FCF Margin8.3%
CapEx % of Revenue1.7%
SBC % of Revenue0.0%
ROIC13.6%
WC Change % Rev-0.5%
Interest Coverage0.6x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.5M
Days to Cover3.5
Change (vs Prior)-12.5%
Need at least 2 settlement dates for chart
Employees
Headcount620
Revenue / Employee$376,273
Gross Profit / Employee$234,994
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
39.8%(+8.6% YoY)
146 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
21.1%(+3.0% YoY)
11 filers
Vanguard, iShares, SPDR
Market makers
0.4%(-0.1% YoY)
6 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $51.8M | $27.11 | −$3.3M | −$10.2M | -0.2% | $5.69T |
| DIMENSIONAL FUND ADVISORS LPPassive | $36.4M | $31.47 | +$513K | −$2.2M | -0.4% | $480.92B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $24.2M | $35.17 | +$24.1M | +$24.2M | — | $4.04T |
| PHILADELPHIA TRUST CO | $23.7M | $27.82 | −$486K | +$10.5M | +0.2% | $1.42B |
| WELLINGTON MANAGEMENT GROUP LLP | $22.4M | $27.01 | −$1.3M | −$716K | -0.3% | $533.98B |
| STATE STREET CORPPassive | $18.2M | $27.60 | −$1.1M | −$49K | -0.2% | $2.89T |
| Boston Partners | $17.5M | $33.87 | +$17.0M | −$9.8M | +0.5% | $95.40B |
| PEAPACK GLADSTONE FINANCIAL CORP | $17.4M | $28.02 | −$2.2M | −$4.5M | -0.2% | $7.72B |
| BROWN ADVISORY INC | $16.1M | $27.44 | −$857K | −$4.8M | -0.5% | $60.79B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $13.8M | $27.58 | −$2.1M | +$48K | +2.3% | $1.61T |
| STRATEGIC VALUE BANK PARTNERS LLC | $13.3M | $26.53 | +$0 | +$0 | -1.2% | $186M |
| AMERICAN CENTURY COMPANIES INC | $13.0M | $28.40 | +$879K | +$995K | +0.7% | $193.48B |
| ALGERT GLOBAL LLC | $11.6M | $30.58 | +$4.4M | +$10.7M | +0.1% | $6.63B |
| BANC FUNDS CO LLC | $9.6M | $28.90 | −$837K | −$7.0M | -1.3% | $537M |
| SALZHAUER MICHAEL | $9.0M | $28.10 | −$475K | +$3.3M | -1.0% | $212M |
| JPMORGAN CHASE & CO | $8.5M | $31.31 | +$6.5M | +$2.7M | -0.2% | $1.47T |
| Russell Investments Group, Ltd. | $8.5M | $31.42 | +$4.6M | +$7.8M | +1.5% | $93.03B |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $7.6M | $25.36 | −$522K | −$1.8M | -0.1% | $31.89B |
| TWO SIGMA INVESTMENTS, LP | $7.3M | $27.62 | −$566K | +$4.7M | -0.9% | $117.03B |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | $6.9M | $29.79 | −$4.2M | −$4.2M | -0.2% | $1.96B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BULLISH
Holders
-0.17%
avg per quarter
Holders (ex-self)
-0.17%
excl. this stock
Buyers (this Q)
+0.21%
74 buyers · $0.11B in
Sellers (this Q)
-0.74%
60 sellers · $-0.01B out
alpha coverage: 92% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+2.3%
how holders react when this stock falls
On quiet Qs
+15.5%
−10% to +10% baseline
On rallies (+10%+)
-17.9%
how they react when this stock rises
Holders' portfolio flow this Q
+3.3%
inflows — adds are organic
Sellers' portfolio flow this Q
+4.1%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-4.9%
Holder mid (any stock)
-2.6%
Holder rally (any stock)
-4.1%
Biggest decreases this quarter
BASSWOOD CAPITAL MANAGEMENT, L.L.C.−$4.2Mα-0.2BlackRock, Inc.−$3.3Mα-0.2PEAPACK GLADSTONE FINANCIAL CORP−$2.2Mα-0.2GEODE CAPITAL MANAGEMENT, LLC−$2.1Mα+2.3Walleye Capital LLCexited−$2.0MWELLINGTON MANAGEMENT GROUP LLP−$1.3Mα-0.3STATE STREET CORP−$1.1Mα-0.2PRUDENTIAL FINANCIAL INCexited−$923KBROWN ADVISORY INC−$857Kα-0.5Qube Research & Technologies Ltdexited−$853K
New buyers this quarter
Top-5 holders · 34.0%
BlackRock, Inc.--
DIMENSIONAL FUND ADVISORS LP--
VANGUARD CAPITAL MANAGEMENT LLC--
PHILADELPHIA TRUST CO--
WELLINGTON MANAGEMENT GROUP LLP--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
PEAPACK GLADSTONE FINANCIAL CORP494KWELLINGTON MANAGEMENT GROUP LLP636KBANC FUNDS CO LLC274KBoston Partners496KPHILADELPHIA TRUST CO672KFJ Capital Management LLC—BROWN ADVISORY INC456KENDICOTT MANAGEMENT CO—BASSWOOD CAPITAL MANAGEMENT, L.L.C.196KJPMORGAN CHASE & CO243K
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Analyst Coverage
Analyst Coverage
Price Targets
Last Quarter (1 analysts)$49.001330.0%
Last Year (2 analysts)$40.50-640.0%
Current Price$43.25
Analyst Ratings
7
Buy: 7Consensus: Buy
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$646K
4 txns · 3 insiders · 19,335 sh
Sells ($, 12mo)
$355K
4 txns · 4 insiders · 10,974 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-03-31 | BUY | Cavallaro Frank A. | officer: SEVP & Chief Financial Officer | 2,890 | $34.95 | $101K | $514K |
| 2026-03-30 | BUY | Campion Patrick | director | 1,430 | $34.97 | $50K | $109K |
| 2026-03-30 | BUY | KENNEDY DOUGLAS L | officer: President & CEO | 11,296 | $35.21 | $398K | $8.52M |
| 2026-02-09 | SELL | Hemhauser Maureen | officer: EVP & Chief Risk Officer | 5,272 | $35.59 | $188K | $0 |
| 2025-09-29 | SELL | GRAMIGNA EDWARD A JR | director | 2 | $28.22 | $56 | $235K |
| 2025-09-18 | SELL | Chalkan Lisa | officer: EVP, Chief Credit Officer | 2,500 | $29.65 | $74K | $700K |
| 2025-09-15 | SELL | Smith Gregory Martin | officer: SEVP, President Comml Banking | 3,200 | $29.15 | $93K | $158K |
| 2025-07-23 | BUY | KENNEDY DOUGLAS L | officer: President & CEO | 3,720 | $26.24 | $98K | $1.03M |
Order Flow (FINRA, ~3w lag)
15.7%retail+5.8pp
21.6%dark-3.1pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
PEAPACK-GLADSTONE FINANCIAL CORP: Routine administrative header suggests seasoned issuer compliance
Overall Risk
2/10
Fraud
1/10
Dilution
1/10
Insolvency
2/10
Earnings Overstated
2/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10