PGC Stock Analysis: Buy, Sell, or Hold?
PGC - Peapack-Gladstone Financial Corp
$45.58
0.41 (0.91%)
▲
5d:
-2.36%
30d:
-0.22%
90d:
+6.1%
HOLD
MODERATE Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Jul 27, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: PGC is fairly valued with market pricing in 3.5% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: PGC is fairly valued with market pricing in 3.5% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$79.58
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$49.41
7.8% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PGC is currently trading at $45.58, which is considered slightly low relative to its 30-day fair value range of $45.55 to $46.77. From a valuation perspective, the stock is trading at a premium (Forward PE: 9.4) compared to its historical average (8.5). At these levels, the market is pricing in 3.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, PGC is in a strong uptrend. The price is currently testing key support at $44.66. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 48/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $56.00 (+24.0%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, PGC is in a strong uptrend. The price is currently testing key support at $44.66. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 48/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $56.00 (+24.0%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$45.55 -
$46.77
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
80.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (48/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 24.0% below Wall St target ($56.00)
- NEUTRAL: Market pricing in 3.5% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (48/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$45.55 -
$46.77
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$44.66
Resistance Level
$47.45
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.40
Wall Street Target
$56.00
(+24.0%)
Revenue Growth (YoY)
23.4%
Earnings Growth (YoY)
91.2%
Profit Margin
18.0%
Valuation Premium vs History
+3.5% premium
PE vs Historical
9.4 vs 8.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.5%
(market-implied from PE analysis)
1-Year Target
$46.75
(+4%)
2-Year Target
$48.39
(+7%)
3-Year Target
$50.08
(+11%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$45.31
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 34.6%)
$235.13
(+421%)
Base:
(SPY PE: 9.4, Growth: 34.6%)
$110.08
(+144%)
Bear:
(PE: 8.0, Growth: 34.6%)
$93.56
(+107%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 16.09 | Current EPS (TTM): $2.80
Bull Case
$85.10
(+87%)
Analyst growth 71.7%, PE expands to 17.7
Base Case
$77.37
(+70%)
Market implied 71.7%, PE stable at 16.1
Bear Case
$30.64
(-33%)
Severe decline -20.0%, PE contracts to 13.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 24, 2026 2:27 AM ET
Data refreshes hourly during market hours. Next update: 3:27 AM
Data refreshes hourly during market hours. Next update: 3:27 AM
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Technical Signals Check
Is PGC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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