Reading PGC? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track PGC free→Reading PGC? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track PGC free→NASDAQFinancialsBanks - RegionalSnapshot 2026-06-15
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
Recent financial performance is strong, and earnings quality is robust, cash backs up reported profits. Management's recent track record has been fairly steady, but the capital stance is capital unfriendly. Risk is moderate, and the sector backdrop is a headwind, which may impact performance compared to sector peers, where it is typical. Peer multiples imply a price about 5% below where it trades (it looks expensive on this basis); the read is fair, quality intact. This assessment is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 6 valuation methods, at three horizons. Current price $46.25. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $46 PGC trades at 19× p/e — 1.5× the 12× p/e peer median. The market is re-rating it beyond its own range; our $43 fair value is medium-confidence here. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The market is pricing in roughly 8% near-term growth, in line with our forecast of about 15%. This describes what's priced in, not a forecast of the move.
Only a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 3 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 54% for the rest of the cohort, n=3733).
Over the trailing year it converted 1.72x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 54% for the rest of the cohort, n=3541).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity.
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
EPS estimate $0.84 → $0.86 (+3.0% / 30d). 4 raised, 0 cut, 4 covering analysts.
0 upgrades, 0 downgrades / 30d. 100% of analysts rate Buy.
Market and fundamentals agree. Analysts are positioned bullishly on a fundamentally strong name.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 0.0% avg surprise
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$124.
How much price usually moves either way.
On a bad day, this stock has moved -$290.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,864.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-15
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: The FOMC decision can change interest rates. This affects how much banks earn.
Confirms one read:The FOMC raises interest rates. This may help banks earn more.
Confirms the other:The FOMC cuts interest rates, which may compress bank margins.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for PGC yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Results of Operations and Financial Condition. On April 24, 2026, Peapack-Gladstone Financial Corporation (the "Company") issued a correction to the press release and to its supplemental investor presentation, each of which were issued on April 22, 2026, and related to earnings and other financial results for the three months ended March 31, 2026. A copy of the corrected press release is attached to this Current Report on Form 8-K as Exhibit 99.1 and is incorporated by reference in its entire…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Looks more expensive than peers.
Self-history needs ~20 months of data.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Regional Banks.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
PGC Peapack-Gladstone Financial Corp. | Typical Show detailsSector percentile: 49 of 100 | full | moderate |
HDB HDFC BANK LTD | — | — | moderate |
IBN ICICI BANK LTD | — | — | moderate |
ITUB ITAU UNIBANCO HOLDING SA | — | — | moderate |
FITB Fifth Third Bancorp | Below typical Show detailsSector percentile: 2 of 100 | expensive | moderate |
5 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 57% of the time over the next year (vs 55% for the rest of the cohort, n=5004).
Not investment advice. As of 2026-06-15.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-15.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Focus on increasing net income through operational improvements and strategic initiatives.
Stated in 2 of last 2 quarters. Net income grew from $12.2M in 2025-Q4 to $14.2M in 2026-Q1, indicating a positive trajectory. The company has consistently focused on increasing net income, and the recent financials show delivering results.
“For the quarter ended March 31, 2026, the Company reported net income of $14.2 million.”
“Net income for the twelve-month period ended December 31, 2025 grew by 13% to $37.3 million.”
Maintain EPS guidance of $2.10 for the fiscal year 2026.
Newly stated in 2025-Q4. The company has set an EPS guidance of $2.10 for the fiscal year 2026. With net income growing by 13% to $37.3 million in 2025, the company is on a positive trajectory to meet its EPS target.
“Net income for the twelve-month period ended December 31, 2025 grew by 13% to $37.3 million, or $2.10 per share.”
Conduct a private placement of 30,000 shares of preferred stock to raise $30 million.
Newly stated in 2026-Q1. The company successfully raised $30.0 million through a private placement of 30,000 shares of preferred stock. This capital allocation initiative is a positive step towards strengthening the company's financial position.
Why it matters: Revenue growth is a key driver for the financial sector. A drop below median signals a slowdown.
Confirms:Revenue growth is lower than normal. This shows a big slowdown.
Disproves:Revenue growth remains above its median level, showing continued strength.
Why it matters: Earnings results will show how Peapack-Gladstone is doing. This includes profit and growth.
Confirms one read:Earnings are better than expected. This shows strong performance and growth.
Confirms the other:Earnings are worse than expected. This suggests possible problems in operations.
Results of Operations and Financial Condition. On April 22, 2026, Peapack-Gladstone Financial Corporation (the "Company") issued a press release reporting earnings and other financial results for the three months ended March 31, 2026. A copy of the press release is attached to this Current Report on Form 8-K as Exhibit 99.1 and is incorporated by reference in its entirety. The information disclosed under this Item 2.02, including Exhibit 99.1, shall be considered “furnished” but not “filed” f…
Entry into a Material Definitive Agreement On March 26, 2026, Peapack-Gladstone Financial Corporation (the “Company”) issued 30,000 shares of newly-created 6.00% Non-Cumulative Perpetual Convertible Preferred Stock, Series B (the “Preferred Stock”), in a private placement transaction, resulting in gross proceeds of $30.0 million. The Company relied on the exemption from registration with the Securities and Exchange Commission (the “SEC”) provided under SEC Rule 506 of Regulation D. The shares…
Unregistered Sales of Equity Securities On March 26, 2026, the Company closed a private placement of 30,000 shares of Preferred Stock, resulting in gross proceeds of $30.0 million. The Company relied on the exemption from registration with the SEC provided under SEC Rule 506 of Regulation D. The shares were sold pursuant to the Purchase Agreement. Under the Purchase Agreement, during the Commitment Period, the Company has the right, in its sole discretion, to sell an additional 20,000 shares…
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. At a Board meeting held on February 26, 2026, the Board appointed Ms. D’Erasmo to the Risk Committee and the Technology Committee and appointed Ms. Walsh to the Risk Committee and the Compensation Committee. The committee appointments were immediately effective. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the reg…
“On March 26, 2026, the Company issued 30,000 shares of Preferred Stock, resulting in gross proceeds of $30.0 million.”