Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Peapack-Gladstone Financial Corp. (PGC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$45.78-3.32%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
4.84 → 4.79 EPS · FY ending Dec 31, 2027 · 3 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 6, 2026 to Nov 5, 2026: (new ÷ prior − 1). Contributor count changed from 3 to 3; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for PGC yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Successful private placement raising $30 million | A supporting condition in Peapack-Gladstone Financial Corp.'s published investment case. The stated target is raise $30 million. | Intact | failure to raise $30 million through private placement by 2026-Q1 | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
PGC is a regional financial company with a multi-year view that depends on steady relationship-based loan and deposit growth. The thesis is intact, with recent results in the stronger half of its industry, but earnings quality and recent performance are assessed as neutral.
The valuation is described as cheap versus peers, and the priced-in assessment says it is justified with low fragility. Expectations are not especially demanding, though the model’s expectations-gap reading is negative. Valuation rose recently, so the relative value case is less pronounced than before.
Near-term results may benefit from loan and deposit growth in Metropolitan New York and continued expense discipline. Revenue rose from $82.5 million in Q1 2026 to $87.5 million in Q3, while expenses were nearly flat and the efficiency ratio improved for an eighth consecutive quarter. Near-term earnings remain exposed to guidance changes, rate shifts, and the company’s history of a deep miss.
The multi-year thesis hinges on continued growth in relationship-based loans and deposits, alongside sustained cost control. A guidance cut or Federal Reserve rate cuts would be unfavorable under the supplied scenarios. Continued earnings strength and higher guidance from sector bellwethers would support the sector backdrop.
For the next 1 to 3 years, PGC’s thesis rests on steady balance-sheet growth and better operating efficiency, with moderate risk from rates and earnings variability. Recent evidence is supportive but not strong enough to remove those uncertainties. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| The company guides EPS of $2.10 for 2026, showing steady profit growth. |
| Intact |
| EPS guidance falls below $2.10 for 2026 |
Diluted EPS: $0.86 per share FY2026-Q2; GAAP. Published target: >=2.10 USD per share. Target period ends 2026-12-31; this observation covers 2026-Q2. Aug 7, 20260.86 USD/share · source valueLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Net income growth to at least $14.15M in 2026-Q1 | Peapack-Gladstone Financial grows net income from $12.2M to $14.2M in Q1 2026. | Intact | net income falls below $14.15 million in 2026-Q1 | Net income: $15.972M FY2026-Q2; GAAP. Published target: >=14.15 million USD. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 7, 202615,972,000 USD · source valueLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Revenue growth of at least 14% in next 12 months | A primary condition in Peapack-Gladstone Financial Corp.'s published investment case. The stated target is >=14% YoY. | Broken | revenue growth falls below 14% in next 12 months | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$4.86 → $4.79 · observed estimates
$0.39B → $0.39B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $4.86 | $386,507,670 | 4 / 3 |
| 2026-07-25 | $4.86 | $386,507,670 | 4 / 3 |
| 2026-07-26 | $4.86 | $386,507,670 | 4 / 3 |
| 2026-07-27 | $4.86 | $386,523,100 | 3 / 3 |
| 2026-07-28 | $4.86 | $386,507,670 | 4 / 3 |
| 2026-07-29 | $4.86 | $386,674,330 | 4 / 3 |
| 2026-07-30 | $4.83 | $395,174,000 | 3 / 3 |
| 2026-07-31 | $4.84 | $395,174,000 | 4 / 3 |
| 2026-08-01 | $4.83 | $395,174,000 | 3 / 3 |
| 2026-08-02 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-03 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-04 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-05 | $4.81 | $395,443,670 | 4 / 3 |
| 2026-08-06 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-07 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-08 | $4.81 | $395,443,670 | 4 / 3 |
| 2026-08-09 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-10 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-12 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-13 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-14 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-15 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-16 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-17 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-18 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-19 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-20 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-21 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-22 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-23 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-24 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-25 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-26 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-27 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-28 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-29 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-30 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-08-31 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-01 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-02 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-03 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-04 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-05 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-06 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-07 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-08 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-09 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-10 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-11 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-12 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-13 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-14 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-15 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-16 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-17 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-18 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-19 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-20 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-21 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-22 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-23 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-24 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-25 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-26 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-27 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-28 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-29 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-09-30 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-10-01 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-10-02 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-10-03 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-10-04 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-10-05 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-10-06 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-10-07 | $4.84 | $396,829,500 | 3 / 3 |
| 2026-10-08 | $4.79 | $396,829,500 | 3 / 3 |
| 2026-10-09 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-10 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-11 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-12 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-13 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-14 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-15 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-16 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-17 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-18 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-19 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-20 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-21 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-22 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-23 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-24 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-25 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-26 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-27 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-28 | $4.79 | $396,829,500 | 3 / 2 |
| 2026-10-29 | $4.83 | $396,976,333 | 3 / 2 |
| 2026-10-30 | $4.78 | $395,941,800 | 3 / 2 |
| 2026-10-31 | $4.78 | $395,941,800 | 3 / 2 |
| 2026-11-01 | $4.78 | $395,941,800 | 3 / 2 |
| 2026-11-02 | $4.79 | $393,552,800 | 3 / 2 |
| 2026-11-03 | $4.79 | $393,552,800 | 3 / 3 |
| 2026-11-04 | $4.79 | $393,552,800 | 3 / 3 |
| 2026-11-05 | $4.79 | $393,552,800 | 3 / 3 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 3 Buy / Strong Buy · 1 Hold · 0 Sell / Strong Sell
Recent actions · Oct 7–Nov 5 · 1 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 7, 2026–Nov 5, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.