PGC pairs a strong growth profile and attractive valuation with a bullish breakout setup, but an already-reached analyst target, two recent earnings misses, and modest insider selling argue for holding rather than adding.
Thesis pillars
- Strong Growth Profile→Stable
- Attractive Valuation→Stable
- Analyst Target Reached Limited Upside→Stable
- +2 more pillars — see the Why tab for full reasoning
Peapack-Gladstone Financial Cor (PGC) Stock Analysis
Inst Constrain edge
Financial Services · Banks - Regional
Sell if holding. Analyst target reached at $45.06 — A.R:R is negative (-0.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial real estate lending.
Peapack-Gladstone Financial Corporation operates as the bank holding company for Peapack Private Bank & Trust that provides private banking and wealth management services in the United States. The company operates in two segments, Banking and Wealth Management. It offers... Read more
Sell if holding. Analyst target reached at $45.06 — A.R:R is negative (-0.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial real estate lending. Chart setup: No clear chart pattern; technical signals are mixed. Score 6.2/10, moderate confidence.
Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 20d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-07-08Recent Developments — Peapack-Gladstone Financial Cor
Latest news
- NEWS Raymond James Maintains Strong Buy on Peapack Gladstone Finl, Raises Price Target to $55 — benzinga Jul 1, 2026 positive
Generated 2026-07-08T21:14:30Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHloan_portfoliocommercial real estate lending10-K Item 1A: 'Based on these factors, the Bank had a concentration in commercial real estate lending, as such loans represented 367 percent of total bank capital as of December 31, 2025.'
- MEDIUMGeographicCentral and Northern New Jersey, Pennsylvania, and metropolitan New York10-K Item 1A: 'Unlike larger regional banks that operate in large geographies, much of our business is with clients located within Central and Northern New Jersey, Pennsylvania, as well as metropolitan New York... Due to our geographic concentration, a downturn in the local economy could make it more difficult to attract deposits and could cause higher losses and delinquencies on our loans than if the loans were more geographically diversified.'
- LOWloan_portfolioNew York multifamily rent-regulated exposure14%10-K Item 1A: 'At December 31, 2025, our total multifamily rent regulated exposure in New York was approximately $854.1 million, or 13.7 percent, of the total loan portfolio.'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 ceiling hit
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $45.06 — A.R:R is negative (-0.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial real estate lending. Chart setup: No clear chart pattern; technical signals are mixed. Prior stop was $42.14. Score 6.2/10, moderate confidence.
Take-profit target: $48.16 (+6.9% upside). Prior stop was $42.14. Stop-loss: $42.14.
Concentration risk — Loan Portfolio: commercial real estate lending; Analyst target reached - limited upside remaining; Consecutive earnings misses (2).
Peapack-Gladstone Financial Cor trades at a P/E of 19.4 (forward 9.8). TrendMatrix value score: 7.6/10. Verdict: Sell.
8 analysts cover PGC with a consensus score of 4.1/5. Average price target: $51.
What does Peapack-Gladstone Financial Cor do?Peapack-Gladstone Financial Corporation operates as the bank holding company for Peapack Private Bank & Trust that...
Peapack-Gladstone Financial Corporation operates as the bank holding company for Peapack Private Bank & Trust that provides private banking and wealth management services in the United States. The company operates in two segments, Banking and Wealth Management. 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 acquisitions, commercial mortgages, multi-family mortgages, and other forms of asset-based financing services; and residential mortgages, home equity lines of credit, and other second mortgage loans. In addition, it offers corporate and industrial (C&I) lending and equipment finance, commercial real estate, multifamily, residential, and consumer lending activities; treasury management, C&I advisory, escrow management, deposit generation, and investment management services; personal trust services, including services as executor, trustee, administrator, custodian, and guardian; and other financial planning, tax preparation, and advisory services. Further, the company provides telephone and Internet banking, merchant credit card, and customer support sales services. Its private banking clients include businesses, non-profits, and consumers; wealth management clients include individuals, families, foundations, endowments, trusts, and estates; and commercial loan clients include business owners, professionals, retailers, contractors, and real estate investors. The company operates its private banking locations in Bedminster, Morristown, Princeton, and Teaneck, New Jersey; and branches in Somerset, Morris, Hunterdon, and Union counties, as well as operates automated teller machines. The company was founded in 1921 and is headquartered in Bedminster, New Jersey.