Peapack-Gladstone Financial Corp. (PGC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$46.38+0.96%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · PGC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is still in the top half of its industry but slipped notably this past month — worth watching.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -11.1% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| 14.1% |
Growth built into the price is above our model estimate.
The price assumes 25.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers · Company calendar date is not available
PGC — earnings miss
Dated 2026-07-27
Results of Operations and Financial Condition. On July 27, 2026, Peapack-Gladstone Financial Corporation (the "Company") issued a press release reporting earnings and other financial results for the three and six months ended June 30, 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 “fi…
Why it matters: Growth in net income shows strong performance and good strategy execution.
Supportive ifQ2 net income reported at or above $14.2 million.
Worry ifQ2 net income falls below $14.2 million.
Why it matters: If sector growth slows, it may impact PGC's performance. This could change investor outlook.
Worry ifSector revenue growth reported below its median for the last three years.
Less concerning ifSector revenue growth remains above its median.
Why it matters: Revenue growth is a key driver for the financial sector. A drop below median signals a slowdown.
Worry ifRevenue growth is lower than normal. This shows a big slowdown.
Less concerning ifRevenue growth remains above its median level, showing continued strength.
Why it matters: Finishing the preferred stock issuance shows good capital management. It helps with growth and financial options.
Supportive ifAll $50 million of preferred stock is issued by the end of 2027, enhancing capital.
Worry ifIssuance is delayed or not finished. This raises worries about managing capital.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$89 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $280 loss on $10,000 · 2.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,730 loss on $10,000 · 17.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: An increase over 1.0% in nonperforming assets may mean credit problems.
Worry ifNonperforming assets were less than 1.0% of total assets.
Less concerning ifNonperforming assets were more than 1.0% of total assets.
Why it matters: Strong loan growth reflects demand for banking services and effective client relationships. It supports overall revenue growth.
Supportive ifLoan growth is over $800 million compared to last year. This shows strong demand for loans.
Worry ifLoan growth is below $800 million compared to last year. This may show weak demand for loans.
Why it matters: Confirming EPS guidance shows confidence in earnings growth and financial health.
Supportive ifManagement confirms EPS guidance of $2.10 during Q2 earnings call.
Worry ifManagement cuts EPS guidance to below $2.10.
Why it matters: A slowdown in revenue growth may show weaker performance in private banking.
Worry ifQ3 revenue growth falls below 20% year-over-year.
Less concerning ifQ3 revenue growth remains at or above 20% year-over-year.
Why it matters: News about the preferred stock placement may show how the company is doing with money. It may also reveal their future plans.
Watch forAnnouncement of additional shares sold or new terms for the preferred stock.
Also watch forNo news or bad news about the preferred stock placement.
Why it matters: A steady or rising net interest margin shows good management of income and costs. This is key for making money.
Supportive ifNet interest margin stays above 3.30%. This shows strong control over pricing.
Worry ifNet interest margin drops below 3.30%. This suggests pressure on income from interest.
Why it matters: A drop in net interest margin can lower profits and show pressure on loan prices.
Worry ifNet interest margin drops below 3.25%.
Less concerning ifNet interest margin stays above 3.25%.
Why it matters: Completing the preferred stock placement boosts capital and helps growth plans.
Supportive ifThe company said the $20 million preferred stock placement is done.
Worry ifThere is no news or delays about the extra preferred stock placement.
Why it matters: Keeping expense growth under 10% while revenue grows shows strong management.
Supportive ifOperating expenses grew less than 10% compared to last year.
Worry ifOperating expenses grew more than 10% compared to last year.
Why it matters: Slower loan growth may show problems in commercial banking. This can lower overall revenue.
Worry ifLoan growth falls below 10% year-over-year.
Less concerning ifLoan growth stays at or above 10% year-over-year.
Why it matters: Steady revenue growth shows the private banking strategy is working well. The company keeps moving forward despite market problems.
Supportive ifQ3 revenue growth is over 20% compared to last year. This shows good trends are continuing.
Worry ifQ3 revenue growth is below 20% compared to last year. This may mean a slowdown is coming.
Why it matters: Strong loan growth shows that the commercial banking strategy is working well.
Supportive ifTotal loans increase more than 10% year over year in Q3.
Worry ifLoan growth falls below 10% year over year in Q3.
Why it matters: Growing net income shows that the private banking strategy is working well.
Supportive ifQ3 net income available to common shareholders grows more than 10% year over year.
Worry ifQ3 net income growth is less than 10% year over year.
Why it matters: Completing the preferred stock issuance helps manage money and supports growth plans.
Supportive ifThe company will finish the $20 million preferred stock issuance by the end of Q3.
Worry ifNo completion of the remaining preferred stock issuance by the end of Q3.