Peapack-Gladstone is a cheaply valued, fast-growing regional bank with strong margins and a bullish breakout, but upside to the analyst target is only 4.8%, earnings surprises are mixed and commercial real estate lending is concentrated.
Thesis pillars
- Commercial Real Estate Concentration↓Deteriorating
- Strong Revenue Growth→Stable
- Cheap Forward Valuation→Stable
- +2 more pillars — see the Why tab for full reasoning
Pillars as of Oct 24, 2026, based on the 10-K filed Mar 11, 2026
Peapack-Gladstone Financial Cor (PGC) Stock Analysis
Inst Constrain edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $46.17, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial real estate lending; Thin upside margin: 3.1%.
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
Hold if already holding. Not a fresh buy at $46.17, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial real estate lending; Thin upside margin: 3.1%. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.5/10, moderate confidence.
Passes 6/7 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 98d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-10-29Recent Developments — Peapack-Gladstone Financial Cor
Latest news
- NEWS Price to sales forward of Peapack-Gladstone Financial Corporation – NASDAQ:PGC - TradingView — TradingView positive
- NEWS Peapack-Gladstone (PGC) Reports Q3 Earnings: What Key Metrics Have to Say - Yahoo Finance — Yahoo Finance neutral
- NEWS Peapack-Gladstone (PGC) Surpasses Q3 Earnings Estimates - Yahoo Finance — Yahoo Finance positive
- NEWS Earnings Flash (PGC) Peapack-Gladstone Financial Corporation Reports Q3 Revenue $87.5M, vs. FactSet Est of $90.1M - www. — www.marketscreener.com negative
- NEWS Peapack-Gladstone Q3 Revenue Rises 24% to $87.5 Million - Quiver Quantitative — Quiver Quantitative positive
Generated 2026-10-29T11:20:25Z.
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. How we score · Editorial policy
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Rating Breakdown
1 floor-breaker·1 ceiling hit
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $46.17, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial real estate lending; Thin upside margin: 3.1%. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Analyst target $47.60 (+3.1%), stop $44.19 (−4.5%), A.R:R 0.4:1. Score 6.5/10, moderate confidence.
Analyst target: $47.60 (+3.1% upside). Analyst target $47.60 (+3.1%), stop $44.19 (−4.5%), A.R:R 0.4:1. Stop-loss: $44.19.
Concentration risk — Loan Portfolio: commercial real estate lending; Thin upside margin: 3.1%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2).
Peapack-Gladstone Financial Cor trades at a P/E of 13.9 (forward 9.6). TrendMatrix value score: 8.2/10. Verdict: Hold.
8 analysts cover PGC with a consensus score of 4.1/5. Average price target: $56.
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.