Peapack-Gladstone Financial (45V) Stock Price & Analysis
45V Stock Chart & Stats
- Day’s Range
- EUR 39.40 - EUR 39.40
- 52-Week Range
- EUR 21.20 - EUR 41.80
- Previous Close
- EUR 39.80
- Volume
- 0
- Average Volume (3M)
- 4
- Market Cap
- EUR 717.14M
- Enterprise Value
- EUR 1.15B
- Total Cash (Recent Filing)
- EUR 760.83M
- Total Debt (Recent Filing)
- EUR 117.45M
- Price to Earnings (P/E)
- 13.3
- Beta
- 0.54
- Next Earnings
- Feb 03, 2027 (Est.)
- EPS Estimate
- 0.92
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 0.43%
Bulls Say, Bears Say
Bulls Say
Sustained Revenue And Earnings Growth
Repeated revenue and earnings growth indicates that Peapack-Gladstone is converting its relationship-based banking strategy into sustained operating momentum. Continued expansion across multiple quarters can support reinvestment, strengthen client retention, and provide a durable foundation for higher earnings power.
Strong Loan, Deposit, And Relationship Growth
Broad growth in loans, deposits, and operating relationships shows that the bank is deepening its commercial franchise rather than relying on a single product. More core deposits and client relationships can improve funding stability, support future lending, and create recurring opportunities for fee-generating services.
Improving Credit Quality
Improving nonperforming assets, past-due loans, charge-offs, and coverage reduces current credit strain and supports more predictable earnings. Better asset quality is especially valuable as the balance sheet grows because it can limit provision pressure and preserve capital available for continued franchise investment.
Bears Say
Funding Cost And Deposit Pricing Pressure
Deposit competition and greater reliance on borrowings can compress net interest margins even when loan balances expand. Persistent funding-cost pressure would reduce the profitability of growth, make earnings more sensitive to interest-rate conditions, and constrain the benefit of management’s lending momentum.
Lower And Structurally Reduced Fee Income
Lower noninterest income weakens diversification beyond spread-based banking, while the SBA business exit removes a source of recurring fee revenue over time. A smaller fee contribution could make results more dependent on margins, loan growth, and credit performance, increasing earnings cyclicality.
Multifamily Portfolio And Capital Constraints
Softening collateral values and potential borrower modifications create ongoing execution and credit-risk demands within the multifamily portfolio. At the same time, narrower capital buffers may limit flexibility to absorb losses or pursue growth, requiring disciplined portfolio management and proactive capital planning.
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Peapack-Gladstone Financial Stock Smart Score
Company Description
Peapack-Gladstone Financial
Peapack-Gladstone Financial Corporation (PGC) functions as the holding company for Peapack-Gladstone Bank, a financial institution primarily dedicated to delivering private banking and comprehensive wealth management services throughout the United States. Its operations are structured into two key divisions: Banking and Peapack Private. For deposit services, PGC provides a range of accounts including standard checking and savings, high-yield money market accounts, interest-bearing checking options, certificates of deposit (CDs), and individual retirement accounts (IRAs). On the lending side, the bank supports businesses with working capital lines of credit, term loans for acquiring fixed assets, commercial and multi-family real estate mortgages, and diverse forms of asset-based financing. It also engages in various commercial and industrial (C&I) lending, equipment finance, and commercial real estate activities. For individual clients, PGC offers residential mortgages, home equity lines of credit (HELOCs), and other second mortgage products. Beyond core banking, the corporation delivers specialized financial solutions such as treasury management, advisory services for corporate and industrial clients, escrow management, and strategic deposit generation. Its wealth management arm provides comprehensive asset and investment management services, personal trust services (including roles as executor, trustee, administrator, custodian, and guardian), alongside financial planning, tax preparation, and general advisory support. Customers also benefit from modern conveniences like telephone and online banking platforms, merchant credit card services, and dedicated customer support. Its private banking division caters to a diverse clientele including businesses, non-profit organizations, and individual consumers. Wealth management services are tailored for individuals, families, charitable foundations, endowments, trusts, and estates. Geographically, private banking facilities are situated in Bedminster, Morristown, Princeton, and Teaneck, New Jersey. Wealth management branches extend across Somerset, Morris, Hunterdon, and Union counties. The bank further maintains a network of 20 automated teller machines (ATMs). Established in 1921, Peapack-Gladstone Financial Corporation has its headquarters in Bedminster, New Jersey.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Douglas L. Kennedy
- Employees
- 682
- Website
- www.peapackprivate.com
- Address
- 500 Hills Drive, Bedminster, NJ, 07921, US
Peapack-Gladstone Financial (45V) Earnings & Revenues
45V Company Deck
45V Earnings Call
Earnings Call SentimentPositive
The call was clearly constructive, with strong earnings growth, positive operating leverage, robust loan and deposit growth, improving credit metrics, a strong pipeline and continued progress toward higher returns. The main challenges were funding-cost and deposit-pricing pressure, lower noninterest income, some softness and required modifications in parts of the multifamily portfolio, narrower capital buffers and the fact that long-term return targets have not yet been reached. The highlights significantly outweighed the lowlights.
View all DE:45V earnings summaries45V Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 13 | 6 | 3 |
| Technical Analysis | 3 | 6 | 1 |
| Moving Averages | 10 | 0 | 2 |