PGC Stock Analysis: Buy, Sell, or Hold?
PGC - Peapack-Gladstone Financial Corp
$35.21
0.28 (0.80%)
▲
5d:
+0.66%
30d:
+3.56%
90d:
+24.11%
BUY
MODERATE Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 28, 2026
27d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: PGC shows positive signals but monitor for confirmation. Market pricing in 1.1% decline. Moderate conviction.
💡 BUY OPPORTUNITY: PGC shows positive signals but monitor for confirmation. Market pricing in 1.1% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$71.05
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$44.12
20.2% 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 7.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PGC is currently trading at $35.21, which is considered extended relative to its 30-day fair value range of $33.46 to $34.66. The stock's valuation (Forward PE: 7.5) is in line with its historical norms (7.8). Remarkably, the market is currently pricing in an annual earnings decline of 1.1% over the next few years. This pessimistic expectation contrasts with the company's recent 31.1% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, PGC is in a strong uptrend. The price is approaching resistance at $35.87. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PGC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $40.00 (+13.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, PGC is in a strong uptrend. The price is approaching resistance at $35.87. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PGC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $40.00 (+13.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$33.46 -
$34.66
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
67.3%
All Signals
- BEARISH: Price extended above range
- BULLISH: Options cheap (IV 0th percentile)
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($40.00)
Fair Price Analysis
30-Day Fair Range
$33.46 -
$34.66
Current vs Fair Value
EXTENDED
Expected Move (7 Days)
±$1.52
(4.3%)
Support & Resistance Levels
Support Level
$32.36
Resistance Level
$35.87
Current Trend
Strong Uptrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.53
Wall Street Target
$40.00
(+13.6%)
Revenue Growth (YoY)
16.3%
Earnings Growth (YoY)
31.1%
Profit Margin
14.4%
Valuation Discount vs History
-1.1% cheaper
PE vs Historical
7.5 vs 7.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.1%
(market-implied from PE analysis)
1-Year Target
$34.82
(-1%)
2-Year Target
$34.44
(-2%)
3-Year Target
$34.06
(-3%)
3-Yr Target (if PE normalizes)
(PE: 8→8)
$35.29
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 31.9%)
$239.64
(+581%)
Base:
(SPY PE: 7.5, Growth: 31.9%)
$80.71
(+129%)
Bear:
(PE: 6.4, Growth: 31.9%)
$68.61
(+95%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 15.80 | Current EPS (TTM): $2.10
Bull Case
$73.00
(+111%)
Analyst growth 100.0%, PE expands to 17.4
Base Case
$66.36
(+92%)
Market implied 100.0%, PE stable at 15.8
Bear Case
$22.56
(-35%)
Severe decline -20.0%, PE contracts to 13.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 7.5 to 7.8
Stabilization Target:
$36.48
(+3.6%)
PE Expansion Potential:
+3.6%
Share & Embed Analysis
Last updated: March 31, 2026 6:41 PM ET
Data refreshes hourly during market hours. Next update: 7:41 PM
Data refreshes hourly during market hours. Next update: 7:41 PM
🔥 Top Stocks Breaking Out Now
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Technical Signals Check
Is PGC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Maureen Hemhauser
SELL
5272 shares
2026-02-09
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