PEAPACK GLADSTONE FINANCIAL CORP (PGC)
Financials · regional bank · NASDAQ
A private banking and wealth management-focused financial institution serving the New Jersey and New York metropolitan areas.
What PEAPACK GLADSTONE FINANCIAL CORP does
Peapack-Gladstone Financial Corp is a bank holding company for Peapack-Gladstone Bank, a commercial bank offering a broad array of banking and wealth management services. The company provides personalized financial solutions, including commercial and retail banking, private banking, investment management, trust services, and financial planning, primarily serving clients in New Jersey and New York.
Themes: wealth management / private banking, commercial banking, regional community banking, credit risk management
Fundamentals
- Price$45.58 as of 2026-08-21 close
- Market cap$808M as of 2026-08-21
- 1-year return+68.5% 2025-08-21 close $27.05 → 2026-08-21 close $45.58
- P/E15.91 as of 2026-08-24
- Net margin+25.3% as of 2026-08-24
- ROE+7.6% as of 2026-08-24
- Debt / equity0.11 as of 2026-08-24
- Revenue growth (YoY)+24.1% FY2025 vs FY2024, SEC XBRL
- Revenue CAGR (3y)+5.3% SEC XBRL
- Beta0.74 as of 2026-08-24
- Last reported earnings2026-07-27 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +0.8%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How PGC compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldbottom 10% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, PGC's dividend was covered by reported results (earnings payout 9%, free-cash-flow payout 12%). This describes past coverage, not a forecast.
- Earnings payout9% dividends / net income
- Free-cash-flow payout12% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How PEAPACK GLADSTONE FINANCIAL CORP looks technically
PEAPACK GLADSTONE FINANCIAL CORP (PGC) is trading 24.0% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 147 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative). It made a new 20-day low about 3 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 24.0% above its 200-day average, the long-term trend line — a longer-term uptrend | +24.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $46.21 | $46.21 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $36.77 | $36.77 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 47.45. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 147 trading days ago — a "golden cross", a bullish long-term signal | 147 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend) | 16.5 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30) | 46.7 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($44.66 to $47.45) — its "stochastic" reading is 33 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 33.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $49.14 | $49.14 |
|---|---|---|
| From the 52-week high | it is 7.2% below its 52-week high (its highest price of the past year) | -7.2% |
| Above the 52-week low | it is 84.5% above its 52-week low (its lowest price of the past year) | +84.5% |
| Below the 52-week high | it is 7.2% below its highest point of the past year | 7.2% |
| Since a 20-day breakout | it made a new 20-day low about 3 trading days ago | 3 sessions |
| Since a 55-day breakout | it made a new 55-day high about 37 trading days ago | 37 sessions |
| All-time high | its highest closing price on record is $49.14 (set on 2026-07-02) | $49.14 |
| Given back of the 52-week move | over the past year its closes ranged ($24.76 to $48.33), and it has given back only a small part of its rise from last year’s low — 12% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $33.01 to $33.76. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 11.7% |
| From the all-time high | it is 7.2% below its all-time high | -7.2% |
| Nearest price level | it is trading 2.0% above a support level at $44.67 — a price it turned at three times since 2026-05-27, most recently on 2026-08-10. Since 2024-08-21 it has 14 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -2.0% |
| All-time low | its lowest closing price on record is $9.41 (set on 2011-09-23) | $9.41 |
| Above the all-time low | it is 384.3% above its all-time low | +384.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 79% of it) | 21st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.19 between its high and its low — about 2.6% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.19 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $44.84 and $47.44 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $44.84 – $46.14 – $47.44 |
| Typical daily range (% of price) | its price moves about 2.6% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.6% |
| Stretch from the 200-day average | it is trading 7.4 daily ranges above its 200-day average price (24.0% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 7.4 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.40× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
3
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a hammer | today, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | today |
| Since a bearish engulfing | 3 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 3 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.9% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.9% |
|---|---|---|
| Gap filled | a 3.5% gap down opened on 2026-07-28 has been "filled" 18 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 18 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +1.15% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 3.6 percentage points (the stock lost 1.3% while the market gained 2.3%) | -3.6% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 3.0 percentage points (the stock gained 6.1% while the market gained 3.1%) | +3.0% |
| vs market, 6 months | over the past 6 months this stock beat the market by 20.7 percentage points (the stock gained 31.8% while the market gained 11.1%) | +20.7% |
| vs market, 12 months | over the past 12 months this stock beat the market by 48.0 percentage points (the stock gained 68.5% while the market gained 20.5%) | +48.0% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 3.9% of the share price. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 12% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $40.56 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +12.4% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-27 (its 8-K), so the typical buyer over that stretch is under water. That average is $46.29 — a volume-weighted average of daily closes over 20 sessions, not a true tick-by-tick VWAP. | -1.5% |
Price levels it has turned at before
PGC last closed at $45.58 on 2026-08-21. Since 2024-08-21 it has turned at 14 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $44.67 | Support | 2.0% below the last close | turned there three times · 2026-05-27 to 2026-08-10 |
| $43.59 | Support | 4.3% below the last close | turned there twice · 2026-05-06 to 2026-06-18 |
| $47.77 | Resistance | 4.8% above the last close | turned there three times · 2026-07-16 to 2026-08-14 |
| $42.18 | Support | 7.5% below the last close | turned there twice · 2026-06-01 to 2026-07-23 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $47.45.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 1 trading day, since 2026-08-21.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · MACD just crossed bearish (12/26/9) · trendless / choppy (low ADX) · beating the market · Printed a doji candle | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$56.00 range $55.00 – $58.00; median $55.50
Analyst estimates, as of 2026-08-23. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for PGC
- Consensus EPS estimate$0.9275 next reporting period, as of 2026-08-23
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Sensitivity to changes in interest rates and economic conditions in New Jersey and New York markets.","Potential for increased credit losses and the need for accurate assumptions in determining the allowance for credit losses.","Risks associated with integrating wealth management acquisitions and managing expanded operating expenses."]
What changed in the latest 10-Q
AI-assisted comparison of PGC's 10-Q filed 2026-05-08 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Added risk factor: "impact from a pandemic event on our business, operations, customers, allowance for credit losses and capital levels" (filed 2026-05-08)
- Added risk factor: "changes in the methodology and assumptions used to calculate the allowance for credit losses" (filed 2026-05-08)
- Added to economic decline risk factor: "which could affect the demand for loans and deposits or have an adverse effect on the ability of consumers and businesses to pay debts" (filed 2026-05-08)
- Removed:
- Removed from tariffs risk factor: "potential" before "retaliatory responses"; now reads simply "retaliatory responses" (filed 2026-05-08)
- Removed specific reference: "the impact of the current federal government shutdown" replaced with more general "the impact of any federal government shutdown" (filed 2026-05-08)
- Reworded:
- Changed year reference in Form 10-K citation from "December 31, 2024" to "December 31, 2025" (filed 2026-05-08)
- Changed year reference in operating expenses risk factor from "2025 and beyond" to "2026 and beyond" (filed 2026-05-08)
- Changed year reference in Critical Accounting Policies note citation from "December 31, 2024" to "December 31, 2025" (filed 2026-05-08)
- Changed wording: "a decline in the economy" to "an unexpected decline in the economy" (filed 2026-05-08)
- Changed wording: "and/or lead to higher operating costs" to "and lead to higher operating costs" (removed 'or' alternative) (filed 2026-05-08)
- Changed wording: "demands for loans and deposits" to "demand for loans and deposits" (filed 2026-05-08)
- Changed wording: "monetary policies" to "monetary and fiscal policies" (filed 2026-05-08)
- Notes:
- Newer filing text appears truncated at end of Critical Accounting Policies section; older filing text also truncated at similar point, limiting full comparison of that section
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 5 open-market sales by insiders in the last 90 days.
- Last 90 days0 buys · 5 sells ($490213) — 4 selling insiders
- Last 180 days3 buys ($548725) · 5 sells ($490213) — 3 buying, 4 selling insiders
Cluster buying: 3 different insiders reported open-market purchases (SEC code P) of PGC within a 30-day window between 2026-03-30 and 2026-03-31. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-06-29. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about PGC's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding PGC as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 2,106,144
- Reported value $74,157,323
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 1 increased, 4 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
PGC had 795,373 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
PGC had 4.49% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.34 days to cover at the same settlement.
- Reported short interest (shares) 795,373
- Short interest (% of shares outstanding) 4.49%
- Prior settlement (shares) 641,686
- Reported change 23.95%
- Days to cover (reported) 3.34
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Valley National Bancorp (VLY)
- Investors Bancorp (now part of Citizens Financial Group (CFG))
- ConnectOne Bancorp (CNOB)
- Provident Financial Services (PFS)
- Lakeland Bancorp (now part of Provident Financial Services (PFS))
- OceanFirst Financial (OCFC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does PEAPACK GLADSTONE FINANCIAL CORP (PGC) do?
Peapack-Gladstone Financial Corp is a bank holding company for Peapack-Gladstone Bank, a commercial bank offering a broad array of banking and wealth management services. The company provides personalized financial solutions, including commercial and retail banking, private banking, investment management, trust services, and financial planning, primarily serving clients in New Jersey and New York.
What sector is PEAPACK GLADSTONE FINANCIAL CORP (PGC) in?
PEAPACK GLADSTONE FINANCIAL CORP (PGC) is classified in the Financials sector. Its industry is regional bank. It trades on NASDAQ.
Does PGC pay a dividend?
Yes — PEAPACK GLADSTONE FINANCIAL CORP (PGC) pays a dividend, with an indicated yield of about 0.79% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are PEAPACK GLADSTONE FINANCIAL CORP's (PGC) competitors?
Notable peers of PEAPACK GLADSTONE FINANCIAL CORP (PGC) include Valley National Bancorp, Investors Bancorp (now part of Citizens Financial Group (CFG)), ConnectOne Bancorp, Provident Financial Services and Lakeland Bancorp (now part of Provident Financial Services (PFS)). This peer set is informational only — not financial advice.
Is PEAPACK GLADSTONE FINANCIAL CORP (PGC) overbought or oversold right now?
PEAPACK GLADSTONE FINANCIAL CORP (PGC) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 47, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on PGC come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.