PGC Stock Analysis: Buy, Sell, or Hold?
PGC - Peapack-Gladstone Financial Corp
$31.72
1.58 (5.24%)
▲
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 03, 2026
1d
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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 5.9% decline. Moderate conviction.
💡 BUY OPPORTUNITY: PGC shows positive signals but monitor for confirmation. Market pricing in 5.9% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$73.78
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$45.81
30.8% 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 8.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PGC is currently trading at $31.72, which is considered extended relative to its 30-day fair value range of $28.02 to $29.97. From a valuation perspective, the stock is trading at a discount (Forward PE: 7.0) compared to its historical average (8.3). Remarkably, the market is currently pricing in an annual earnings decline of 5.9% over the next few years. This pessimistic expectation contrasts with the company's recent 25.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, PGC is in a uptrend. The price is approaching resistance at $32.13. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.2% recently.
Market Sentiment: PGC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $35.88 (+13.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, PGC is in a uptrend. The price is approaching resistance at $32.13. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.2% recently.
Market Sentiment: PGC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $35.88 (+13.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$28.02 -
$29.97
Company Quality Score
63/100
(BUY)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
61.5%
All Signals
- BEARISH: Price extended above range (+5.8% above fair value)
- NEUTRAL: Options fairly priced (IV 50th percentile)
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+5.2%)
- BULLISH: Trading below Wall St target ($35.88)
Fair Price Analysis
30-Day Fair Range
$28.02 -
$29.97
Current vs Fair Value
EXTENDED
Expected Move (7 Days)
±$1.84
(5.8%)
Support & Resistance Levels
Support Level
$28.69
Resistance Level
$32.13
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
6.95
Wall Street Target
$35.88
(+13.1%)
Revenue Growth (YoY)
19.0%
Earnings Growth (YoY)
25.6%
Profit Margin
13.8%
Valuation Discount vs History
-5.9% cheaper
PE vs Historical
7.0 vs 8.3
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-5.9%
(market-implied from PE analysis)
1-Year Target
$29.85
(-6%)
2-Year Target
$28.09
(-12%)
3-Year Target
$26.43
(-17%)
3-Yr Target (if PE normalizes)
(PE: 7→8)
$31.57
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 31.4%)
$230.78
(+628%)
Base:
(SPY PE: 6.9, Growth: 31.4%)
$71.91
(+127%)
Bear:
(PE: 5.9, Growth: 31.4%)
$61.12
(+93%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 15.15 | Current EPS (TTM): $1.93
Bull Case
$57.06
(+80%)
Analyst growth 77.5%, PE expands to 16.7
Base Case
$51.87
(+64%)
Market implied 77.5%, PE stable at 15.2
Bear Case
$19.88
(-37%)
Severe decline -20.0%, PE contracts to 12.9
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 6.9 to 8.3
Stabilization Target:
$37.89
(+19.4%)
PE Expansion Potential:
+19.4%
Last updated: January 31, 2026 11:06 PM ET
Data refreshes hourly during market hours. Next update: 12:06 AM
Data refreshes hourly during market hours. Next update: 12:06 AM
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Technical Signals Check
Is PGC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Edward A Gramigna Jr
SELL
2 shares
2025-09-29
Lisa Chalkan
SELL
2500 shares
2025-09-18
Gregory Martin Smith
SELL
3200 shares
2025-09-15
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Advanced PGC Option Strategies
Professional options setups generated by AI based on today's PGC price and gamma walls.
