Peapack-Gladstone Financial Corporation (PGC) Financial Ratios
29 years of historical data (1997–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
16.92
↑+71% vs avg
5yr avg: 9.89
30Y Low1.4·High15.2
P/FCF
↑
28.66
↑+187% vs avg
5yr avg: 9.98
30Y Low4.4·High33.1
P/B Ratio
↓
1.24
↑+21% vs avg
5yr avg: 1.03
30Y Low0.7·High3.4
ROE
↓
5.9%
↑-34% vs avg
5yr avg: 8.9%
30Y Low-23%·High17%
Debt/EBITDA
↑
4.11
↓-7% vs avg
5yr avg: 4.42
30Y Low0.2·High7.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PGC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Peapack-Gladstone Financial Corporation trades at 21.9x earnings, 74% above its 5-year average of 12.6x, sitting at the 93rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a premium of 58%. On a free-cash-flow basis, the stock trades at 28.7x P/FCF, 187% above the 5-year average of 10.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $819M | $493M | $572M | $538M | $691M | $683M | $434M | $600M | $482M | $628M | $510M |
| Enterprise Value | $1.1B | $744M | $359M | $904M | $1.0B | $685M | $-5652440 | $728M | $521M | $645M | $468M |
| P/E Ratio → | 21.92 | 13.20 | 17.32 | 11.00 | 9.30 | 12.08 | 16.61 | 12.66 | 10.90 | 17.25 | 19.30 |
| P/S Ratio | 1.86 | 1.12 | 1.42 | 1.44 | 2.52 | 2.99 | 1.91 | 2.55 | 2.37 | 3.62 | 3.54 |
| P/B Ratio | 1.24 | 0.75 | 0.94 | 0.92 | 1.30 | 1.25 | 0.82 | 1.19 | 1.03 | 1.56 | 1.57 |
| P/FCF | 28.66 | 17.25 | 9.07 | 8.06 | 5.99 | 9.55 | 12.91 | 7.09 | 7.63 | 11.73 | 12.84 |
| P/OCF | 18.99 | 11.43 | 8.04 | 7.68 | 5.81 | 9.05 | 11.83 | 6.95 | 7.50 | 11.23 | 11.88 |
P/E links to full P/E history page with 30-year chart
PGC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Peapack-Gladstone Financial Corporation's enterprise value stands at 16.9x EBITDA, 71% above its 5-year average of 9.9x. The Financial Services sector median is 11.5x, placing the stock at a 47% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.69 | 0.89 | 2.42 | 3.76 | 2.99 | -0.02 | 3.09 | 2.56 | 3.72 | 3.25 |
| EV / EBITDA | 16.92 | 11.77 | 7.24 | 12.50 | 9.61 | 8.31 | -0.16 | 10.36 | 8.40 | 11.14 | 10.18 |
| EV / EBIT | 20.46 | 14.23 | 7.98 | 13.44 | 10.08 | 8.82 | -0.18 | 11.01 | 9.03 | 11.88 | 10.94 |
| EV / FCF | — | 26.05 | 5.70 | 13.53 | 8.94 | 9.57 | -0.17 | 8.61 | 8.25 | 12.04 | 11.78 |
PGC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Peapack-Gladstone Financial Corporation earns an operating margin of 11.9%, below the Financial Services sector average of 20.2%. Operating margins have compressed from 18.0% to 11.9% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 5.9% is modest, trailing the sector median of 9.0%. ROIC of 4.6% represents below-average returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.1% | 58.1% | 53.8% | 56.7% | 84.7% | 87.6% | 67.0% | 72.6% | 76.4% | 80.7% | 80.5% |
| Operating Margin | 11.9% | 11.9% | 11.2% | 18.0% | 37.3% | 33.9% | 14.1% | 28.1% | 28.3% | 31.3% | 29.7% |
| Net Profit Margin | 8.5% | 8.5% | 8.2% | 13.1% | 27.0% | 24.7% | 11.5% | 20.2% | 21.7% | 21.1% | 18.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.9% | 5.9% | 5.5% | 8.8% | 13.8% | 10.5% | 5.1% | 9.8% | 10.1% | 10.0% | 8.8% |
| ROA | 0.5% | 0.5% | 0.5% | 0.8% | 1.2% | 0.9% | 0.5% | 1.0% | 1.0% | 0.9% | 0.7% |
| ROIC | 4.6% | 4.6% | 3.5% | 4.6% | 8.7% | 8.1% | 3.0% | 6.6% | 7.2% | 8.3% | 7.5% |
| ROCE | 4.8% | 4.8% | 5.9% | 9.4% | 14.3% | 9.3% | 3.8% | 9.3% | 9.5% | 11.1% | 10.5% |
PGC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Peapack-Gladstone Financial Corporation carries a Debt/EBITDA ratio of 4.1x, which is highly leveraged (roughly in line with the sector average of 4.3x). Net debt stands at $251M ($260M total debt minus $9M cash). Interest coverage of just 0.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.40 | 0.40 | 0.29 | 0.95 | 1.00 | 0.27 | 0.40 | 0.67 | 0.43 | 0.32 | 0.37 |
| Debt / EBITDA | 4.11 | 4.11 | 3.60 | 7.66 | 4.94 | 1.80 | 5.86 | 4.79 | 3.22 | 2.25 | 2.62 |
| Net Debt / Equity | — | 0.38 | -0.35 | 0.63 | 0.64 | 0.00 | -0.83 | 0.26 | 0.08 | 0.04 | -0.13 |
| Net Debt / EBITDA | 3.97 | 3.97 | -4.29 | 5.06 | 3.17 | 0.02 | -12.08 | 1.83 | 0.63 | 0.29 | -0.92 |
| Debt / FCF | — | 8.80 | -3.38 | 5.47 | 2.95 | 0.03 | -13.08 | 1.52 | 0.62 | 0.31 | -1.07 |
| Interest Coverage | 0.32 | 0.32 | 0.25 | 0.45 | 2.86 | 3.53 | 0.84 | 1.09 | 1.30 | 1.97 | 2.07 |
PGC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.13x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.13 | 0.13 | 0.08 | 0.13 | 0.14 | 0.18 | 0.26 | 0.14 | 0.14 | 0.12 | 0.14 |
| Quick Ratio | 0.13 | 0.13 | 0.08 | 0.13 | 0.14 | 0.18 | 0.26 | 0.14 | 0.14 | 0.12 | 0.14 |
| Cash Ratio | 0.00 | 0.00 | 0.06 | 0.03 | 0.03 | 0.03 | 0.13 | 0.05 | 0.04 | 0.03 | 0.05 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
PGC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Peapack-Gladstone Financial Corporation returns 1.1% to shareholders annually — split between a 0.4% dividend yield and 0.7% buyback yield. The payout ratio of 9.4% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 4.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.4% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 9.4% | 9.4% | 10.7% | 7.3% | 4.9% | 6.7% | 14.4% | 8.1% | 8.4% | 9.7% | 12.4% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 4.6% | 7.6% | 5.8% | 9.1% | 10.7% | 8.3% | 6.0% | 7.9% | 9.2% | 5.8% | 5.2% |
| FCF Yield | 3.5% | 5.8% | 11.0% | 12.4% | 16.7% | 10.5% | 7.7% | 14.1% | 13.1% | 8.5% | 7.8% |
| Buyback Yield | 0.7% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 1.1% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $18M | $18M | $18M | $19M | $19M | $19M | $19M | $19M | $18M | $17M |
Peer Comparison
Compare PGC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 PGCYou | $819M | 21.9 | 16.9 | 28.7 | 58.1% | 11.9% | 5.9% | 4.6% | 4.1 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 WSFS | $4B | 14.8 | 7.2 | 18.6 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 CNOB | $2B | 22.1 | 24.2 | 16.3 | 44.2% | 18.6% | 5.7% | 3.5% | 10.4 |
 OCFC | $1B | 15.9 | 27.5 | 13.4 | 54.5% | 14.1% | 4.2% | 2.2% | 17.5 |
 NFBK | $617M | 746.5 | 63.8 | 11.8 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 WTFC | $11B | 13.8 | 12.2 | 12.5 | 62.2% | 26.4% | 12.1% | 7.5% | 3.7 |
 UMBF | $10B | 14.8 | 12.4 | 10.5 | 54.4% | 20.3% | 12.6% | 7.5% | 3.6 |
 FULT | $4B | 11.2 | 10.4 | 15.8 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 ACNB | $595M | 16.0 | 17.0 | 11.3 | 73.7% | 27.3% | 10.2% | 5.3% | 6.2 |
 FIS | $20B | 52.3 | 6.5 | 7.2 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 29 years · Updated daily
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Run the NumbersIs PGC Undervalued Right Now?
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Compare NowPGC — Frequently Asked Questions
Quick answers to the most common questions about buying PGC stock.
What is Peapack-Gladstone Financial Corporation's P/E ratio?
Peapack-Gladstone Financial Corporation's current P/E ratio is 21.9x. The historical average is 16.4x. This places it at the 93th percentile of its historical range.
What is Peapack-Gladstone Financial Corporation's EV/EBITDA?
Peapack-Gladstone Financial Corporation's current EV/EBITDA is 16.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 9.8x.
What is Peapack-Gladstone Financial Corporation's ROE?
Peapack-Gladstone Financial Corporation's return on equity (ROE) is 5.9%. The historical average is 9.4%.
Is PGC stock overvalued?
Based on historical data, Peapack-Gladstone Financial Corporation is trading at a P/E of 21.9x. This is at the 93th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Peapack-Gladstone Financial Corporation's dividend yield?
Peapack-Gladstone Financial Corporation's current dividend yield is 0.43% with a payout ratio of 9.4%.
What are Peapack-Gladstone Financial Corporation's profit margins?
Peapack-Gladstone Financial Corporation has 58.1% gross margin and 11.9% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Peapack-Gladstone Financial Corporation have?
Peapack-Gladstone Financial Corporation's Debt/EBITDA ratio is 4.1x, indicating high leverage. A ratio above 4x may signal elevated financial risk.