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Market Price

14.69 

0.09 0.6%

as of Sep 24 '20

52 Week Range:

11.21 31.72


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Peapack-Gladstone Financial Corporation operates as the bank holding company for Peapack-Gladstone Bank that provides private banking and wealth management services in the United States. The company operates in two segments, Banking and Peapack Private. It offers checking and savings accounts, money market and interest-bearing checking accounts, certificates of deposit, and individual retirement accounts. The company also provides working capital lines of credit, term loans for fixed asset acquisitions, commercial mortgages, multi-family mortgages, and other forms of asset-based financing services; and residential mortgages, home equity lines of credit, and other second mortgage loans. In addition, it offers asset management services; personal trust services, including services as executor, trustee, administrator, custodian, and guardian; and other financial planning, tax preparation, and advisory services. Further, the company operates automated teller machines at 24 locations; and provides telephone and Internet banking, merchant credit card, and customer support sales services. Its private banking clients include businesses, non-profits, and consumers; and wealth management clients comprise individuals, families, foundations, endowments, trusts, and estates. The company operates its private banking locations in Bedminster, Morristown, Princeton, and Teaneck, New Jersey; and wealth management branches in Somerset, Morris, Hunterdon, and Union counties. Peapack-Gladstone Financial Corporation was founded in 1921 and is headquartered in Bedminster, New Jersey.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 10.56
11.03
12.09
13.69
10.72
12.41
16.58
17.91
20.41
23.50
26.17
growth rate 4.5% 9.6% 13.2% -21.7% 15.8% 33.6% 8.0% 14.0% 15.1% 11.4%
Earnings BIT 10.18
10.90
13.98
16.10
14.76
26.30
34.25
46.68
59.33
growth rate 7.1% 28.3% 15.2% -8.3% 78.2% 30.2% 36.3% 27.1%
Avg.PE 19.72
19.19
8.59
13.48
18.94
17.40
12.98
18.78
17.54
11.68
12.65
growth rate -2.7% -55.2% 56.9% 40.5% -8.1% -25.4% 44.7% -6.6% -33.4% 8.3%
ROA 0.39
0.40
0.70
0.56
0.51
0.64
0.66
0.73
0.90
1.00
0.97
growth rate 2.6% 75.0% -20.0% -8.9% 25.5% 3.1% 10.6% 23.3% 11.1% -3.0%
ROE 6.40
6.32
10.62
7.98
6.33
7.21
7.71
8.83
10.03
10.12
9.75
growth rate -1.3% 68.0% -24.9% -20.7% 13.9% 6.9% 14.5% 13.6% 0.9% -3.7%
ROIC 14.26
10.73
13.03
8.63
4.71
6.07
growth rate -24.8% 21.4% -33.8% -45.4% 28.9%
Leverage 16.41
15.52
14.68
13.66
11.53
11.15
12.21
11.96
10.55
9.85
10.29
growth rate -5.4% -5.4% -7.0% -15.6% -3.3% 9.5% -2.1% -11.8% -6.6% 4.5%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 4.08
3.86
4.09
5.37
6.82
8.15
9.45
growth rate -5.3% 5.8% 31.5% 27.0% 19.6% 15.9%
Acct.Payable 6.61
8.16
10.70
2,298.69
2,935.47
3,411.84
3,698.35
3,895.34
4,243.51
growth rate 23.4% 31.0% 21,393.2% 27.7% 16.2% 8.4% 5.3% 8.9%
Cur.Assets 38.74
162.51
174.63
130.69
188.05
268.78
growth rate 319.5% 7.5% -25.2% 43.9% 42.9%
Total Assets 1,512.40
1,505.40
1,600.34
1,667.80
1,966.90
2,702.40
3,364.66
3,878.63
4,260.55
4,617.86
5,182.88
growth rate -0.5% 6.3% 4.2% 17.9% 37.4% 24.5% 15.3% 9.9% 8.4% 12.2%
Cash 79.80
62.60
467.86
76.20
-84.10
31.21
70.16
162.69
113.45
160.77
208.19
growth rate -21.6% 647.4% -83.7% -100.0% 100.0% 124.8% 131.9% -30.3% 41.7% 29.5%
Inventory 1.32
0.56
0.53
2.09
0.05
growth rate -57.5% -5.2% 291.4% -84.5%
Cur.Liabilities 2,365.73
2,995.07
3,434.17
3,726.88
3,933.26
4,508.69
growth rate 26.6% 14.7% 8.5% 5.5% 14.6%
Liabilities 1,392.80
1,387.70
1,477.36
1,545.80
1,796.30
2,460.13
3,088.98
3,554.42
3,856.87
4,148.85
4,679.23
growth rate -0.4% 6.5% 4.6% 16.2% 37.0% 25.6% 15.1% 8.5% 7.6% 12.8%
LT Debt 2,009.00
2,010.00
2,011.00
21.20
74.70
83.69
83.69
110.56
120.92
191.19
128.42
growth rate 0.1% 0.1% -99.0% 252.4% 12.0% 0.0% 32.1% 9.4% 58.1% -32.8%
Equity 119.50
117.70
122.97
122.10
170.70
242.27
275.68
324.21
403.68
469.01
503.65
growth rate -1.5% 4.5% -0.7% 39.8% 41.9% 13.8% 17.6% 24.5% 16.2% 7.4%
Common Shares 9.00
9.00
9.00
9.00
9.00
12.00
15.00
17.00
18.00
19.00
19.00
growth rate 0.0% 0.0% 0.0% 0.0% 33.3% 25.0% 13.3% 5.9% 5.6% 0.0%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 3.40
3.00
0.98
1.05
2.55
3.94
1.92
3.22
2.38
1.06
1.71
growth rate -11.8% -67.5% 8.1% 141.5% 54.9% -51.2% 67.3% -26.0% -55.5% 61.0%
Cash Dividends 4.70
2.90
2.59
1.89
1.80
2.41
3.10
3.30
3.55
3.71
3.87
growth rate -38.3% -10.8% -27.1% -4.5% 34.0% 28.4% 6.3% 7.7% 4.6% 4.1%
Cash From OA 7.80
22.00
22.46
17.85
32.70
27.26
30.31
42.93
55.94
64.25
86.30
growth rate 182.1% 2.1% -20.5% 83.2% -16.6% 11.2% 41.6% 30.3% 14.9% 34.3%
FCF per Share 0.50
2.16
2.27
1.90
3.85
1.92
1.83
2.16
2.97
3.57
3.73
growth rate 332.0% 5.1% -16.3% 102.6% -50.1% -4.7% 18.0% 37.5% 20.2% 4.5%
Sale Purchase of Stock -7.02
-13.80
44.51
56.23
14.38
24.17
38.96
growth rate 0.0% 100.0% 26.3% -74.4% 68.1% 61.2%
FCF 4.00
19.00
21.00
17.00
30.00
23.00
28.00
40.00
54.00
63.00
85.00
growth rate 375.0% 10.5% -19.1% 76.5% -23.3% 21.7% 42.9% 35.0% 16.7% 34.9%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 62.10
64.00
72.77
77.39
77.65
83.83
101.05
117.85
139.92
152.81
170.97
growth rate 3.1% 13.7% 6.4% 0.3% 8.0% 20.6% 16.6% 18.7% 9.2% 11.9%
Op.Income 10.20
10.90
12.17
9.70
9.26
24.29
36.75
47.50
56.67
57.57
66.40
growth rate 6.9% 11.6% -20.3% -4.5% 162.2% 51.3% 29.2% 19.3% 1.6% 15.3%
IBT 10.18
10.90
13.98
16.10
14.76
24.29
32.14
42.74
54.31
57.72
66.12
growth rate 7.1% 28.3% 15.2% -8.3% 64.5% 32.3% 33.0% 27.1% 6.3% 14.6%
Net Income 7.10
7.70
12.17
9.70
9.30
14.89
19.97
26.48
36.50
44.17
47.43
growth rate 8.5% 58.0% -20.3% -4.1% 60.1% 34.1% 32.6% 37.8% 21.0% 7.4%
EPS 0.64
0.68
1.25
1.05
1.01
1.22
1.29
1.60
2.03
2.31
2.44
growth rate 6.3% 83.8% -16.0% -3.8% 20.8% 5.7% 24.0% 26.9% 13.8% 5.6%
Gross Profit 83.83
101.05
117.85
139.92
152.81
170.97
growth rate 20.6% 16.6% 18.7% 9.2% 11.9%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT
growth rate
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable
growth rate
Acct.Payable 4,095.66
4,061.36
4,243.51
4,441.23
4,851.84
growth rate -0.8% 4.5% 4.7% 9.3%
Cur.Assets 349.63
289.98
268.78
886.84
775.25
growth rate -17.1% -7.3% 230.0% -12.6%
Total Assets 4,871.23
4,925.41
5,182.88
5,831.46
6,281.22
growth rate 1.1% 5.2% 12.5% 7.7%
Cash 304.03
227.11
208.19
774.00
622.83
growth rate -25.3% -8.3% 271.8% -19.5%
Inventory 0.34
0.05
0.05
0.05
growth rate -85.1% 0.0% 0.0%
Cur.Liabilities 4,154.32
4,206.58
4,508.69
5,101.96
5,008.57
growth rate 1.3% 7.2% 13.2% -1.8%
Liabilities 4,377.35
4,430.06
4,679.23
5,335.02
5,773.24
growth rate 1.2% 5.6% 14.0% 8.2%
LT Debt 188.31
188.36
128.42
188.47
188.53
growth rate 0.0% -31.8% 46.8% 0.0%
Equity 493.89
495.35
503.65
496.44
507.98
growth rate 0.3% 1.7% -1.4% 2.3%
Common Shares 16.56
16.67
16.73
16.85
16.90
growth rate 0.7% 0.4% 0.7% 0.3%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 0.38
0.54
0.61
0.91
0.79
growth rate 42.5% 12.0% 50.3% -13.5%
Cash Dividends 0.97
0.97
0.95
0.95
0.94
growth rate 0.0% -2.2% -0.3% -1.2%
Cash From OA 12.12
23.14
19.15
7.38
13.72
growth rate 90.9% -17.2% -61.5% 85.7%
Sale Purchase of Stock
growth rate
FCF 11.74
22.59
18.55
6.47
12.92
growth rate 92.4% -17.9% -65.1% 99.8%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 41.14
43.70
44.49
26.26
39.70
growth rate 6.2% 1.8% -41.0% 51.2%
Op.Income 15.25
17.17
17.79
-1.72
11.42
growth rate 12.6% 3.6% -100.0% 100.0%
IBT 14.97
17.44
17.79
-1.97
10.68
growth rate 16.5% 2.0% -100.0% 100.0%
Net Income 11.55
12.23
12.23
1.37
8.24
growth rate 5.9% 0.1% -88.8% 500.3%
EPS
growth rate
Gross Profit 41.14
43.70
44.49
26.26
39.70
growth rate 6.2% 1.8% -41.0% 51.2%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A+ (91.94)

YOY Growth Grade:

B (67.71)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 9.56 8.27 8.79
EPS / Growth 17.1% 1.78 3.5%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 16.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.5% 12.3% 12.3%
Future PE 7.00 9.30 14.28
Future EPS 2.51 5.64 5.64
Value Price
MOS %
4.33
-70.5%
12.97
-11.7%
19.92
35.6%
MOS Price 2.17 6.49 9.96
IRT 7.17 5.55 5.55

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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