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
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 holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -21.3% |
| 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 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
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.
| 15.5% |
Growth built into the price is above our model estimate.
The price assumes 36.9 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 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: The sector is still growing, but its growth trend is easing. A drop below its median would add pressure to the setting for bank growth.
Worry ifThe sector data show 3-year revenue growth below its median.
Less concerning ifThe sector data show 3-year revenue growth at or above its median.
Why it matters: Q3 loans grew faster than deposits, and short-term borrowing rose by $206 million. A wider gap could add pressure to funding costs and liquidity.
Worry ifLoans grow faster than deposits again. Short-term borrowings rise above $206 million, or the loan-to-deposit ratio goes over 96%.
Less concerning ifDeposits grow as fast as or faster than loans. Short-term borrowings fall, and the loan-to-deposit ratio stays at or below 96%.
Why it matters: Margin rose to 3.34% in Q3 as loan yields and funding costs improved. A further rise would support earnings growth.
Supportive ifQ4 net interest margin is above 3.34%, and net interest income is above $67.5 million.
Worry ifQ4 net interest margin falls below 3.32%, or net interest income falls below $63.9 million.
Why it matters: Wealth fees were 20% of Q3 revenue, with $346 million in gross client inflows. Continued gains would support growth beyond lending income.
Supportive ifQuarterly wealth fees exceed $17.3 million and gross client inflows exceed $346 million.
Worry ifQuarterly wealth fees fall below $17.2 million, or gross client inflows fall below $205 million.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$75 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $238 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,140 loss on $10,000 · 11.4% | 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: Nonperforming assets fell from $72.2 million in Q2 to $57.8 million in Q3. Further progress would show that problem loans are being resolved.
Supportive ifThe next report shows nonperforming assets below $55.8 million and past-due loans below $39.4 million.
Worry ifNonperforming assets rise above $72.2 million or past-due loans rise above $48.1 million.
Why it matters: Q3 revenue rose 24% year over year while expenses rose 5%. That gap helped earnings grow and the efficiency ratio improve.
Supportive ifIn the next report, revenue growth year over year tops expense growth. The efficiency ratio is below 63.03%.
Worry ifExpenses grow as fast as revenue, or faster, year over year. The efficiency ratio rises above 65%.