Peapack-Gladstone Financial Corporation (PGC) Fair Value 2026

PGC · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.1 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (15/100)

Quick Summary — As of 2026-08-28, Peapack-Gladstone Financial Corporation (PGC) trades at $45.11, versus a $23.97 median fair value across its 6 active models — 46.9% below the current price. QOC: 8.1/10. Value Trap Risk: 15/100 (SAFE). 6/13 models active.

Key Facts

Ticker
PGC
Price
$45.11
Quality Score
8.1/10
Value Trap Risk
15/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.1/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Peapack-Gladstone Financial Corporation (PGC) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Peapack-Gladstone Financial Corporation (PGC) appears overvalued as of : the median of 6 independent fair value estimates is $23.97, 46.9% below the current price of $45.11. Estimates range from $5.04 to $73.88. PGC scores 8.1/10 on fundamental quality and 15/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. PGC’s -46.9% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Peapack-Gladstone Financial Corporation Stock in 2026? →

What Fair Value Does Each Model Give PGC?

6 Intrinsic Value Models vs. Current Price ($45.11)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $24.69 -45.3%
Ensemble · Low Conviction
 $23.63 -47.6%
Intrinsic · High Conviction
 $5.04 -88.8%
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What Is PGC's Fair Value Range?

Spread across 6 independent models · $5.04 to $73.88

CirclFi's 6 active models place Peapack-Gladstone Financial Corporation (PGC) between $5.04 and $73.88 per share, a spread of 287% of the median. The median of that range — $23.97 — is the fair value CirclFi publishes for PGC, against a current price of $45.11.

Low · Markov DDMHigh · Regime Cross
$5.04median $23.97$73.88
Where the range comes from
Most bearish modelMarkov DDM$5.04
Most bullish modelRegime Cross-Sectional$73.88
Model agreement1 bullish · 5 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for PGC. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on PGC, not a CirclFi price target. How each model works →

What Is Peapack-Gladstone Financial Corporation (PGC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Peapack-Gladstone Financial Corporation's intrinsic value is estimated at $23.97. Trading at its current price of $45.11, the valuation engine raises significant caution: 5 of 6 models flag downside risk, projecting a median implied return of -46.9%. Model dispersion is worth noting: Regime Cross targets $73.88 (+63.8%), versus Markov DDM at $5.04 (-88.8%). This +152.6% range highlights the importance of multi-model analysis rather than relying on any single methodology. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About PGC?

6 of 13 models are currently active for PGC. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for PGC is $23.97 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does PGC Rank in Banks - Regional?

Among 352 Banks - Regional stocks, PGC ranks #163 by Quality of Company score. CirclFi's QOC score of 8.1/10 evaluates 32 fundamental signals. A score of 8.1 places PGC in the top tier.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to lending environment businesses. For Peapack-Gladstone Financial Corporation, metrics like non-performing loan ratio provide important context that general-purpose valuation models may underweight.

Is PGC a Value Trap?

CirclFi's Value Trap algorithm assigns PGC a score of 15/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Peapack-Gladstone Financial Corporation. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Peapack-Gladstone Financial Corporation earns a quality score of 8.1/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +152.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every PGC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across PGC's 6 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Peapack-Gladstone Financial Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

COSOCoastalSouth Bancshares, Inc.QOC 8.1BCHBanco de ChileQOC 8.1CBKMConsumers Bancorp, Inc.QOC 8.1KEYKeyCorpQOC 8.0LSBKLake Shore Bancorp, Inc.QOC 8.1FFBCFirst Financial Bancorp.QOC 8.0CBUCommunity Financial System, Inc.QOC 7.5MGNOMagnolia Bancorp, Inc.QOC 5.4WBHCWilson Bank Holding CompanyQOC 8.4STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: COSO · BCH · CBKM · KEY · LSBK · FFBC · CBU · MGNO · WBHC · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to PGC?

5 companies across all industries closest to PGC’s Quality of Company score of 8.1/10.

DELLDell Technologies Inc.QOC 8.1EDUNew Oriental Education & Technology Group Inc.QOC 8.1ANAutoNation, Inc.QOC 8.1APAAPA CorporationQOC 8.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: DELL · EDU · AN · APA · NVDA

Where Does PGC Sit in CirclFi's Banks - Regional Rankings?

PGC is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Peapack-Gladstone Financial Corporation’s Valuation?

What is Peapack-Gladstone Financial Corporation's intrinsic value in 2026?

CirclFi puts Peapack-Gladstone Financial Corporation (PGC)'s intrinsic value at $23.97 — the median of 6 independent model estimates as of 2026-08-28, ranging from $5.04 to $73.88. The Quality of Company score is 8.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is PGC overvalued or undervalued right now?

At $45.11, 1 of 6 active models suggest PGC may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $23.97, 46.9% below the current price of $45.11 — a consensus view that PGC is overvalued. The assessment depends on which methodology best fits Peapack-Gladstone Financial Corporation's business model in Banks - Regional.

What does a Quality of Company score of 8.1 mean for PGC?

Peapack-Gladstone Financial Corporation's QOC of 8.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on PGC?

CirclFi analyzes PGC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on PGC?

Of the 6 models currently active on PGC, Regime Cross-Sectional is the most bullish at $73.88 per share, and Markov DDM is the most bearish at $5.04. CirclFi's published fair value for PGC is the median of that range, $23.97, not either extreme. The gap between the two ends equals 287% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is PGC a value trap in 2026?

Peapack-Gladstone Financial Corporation's Value Trap score is 15/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Peapack-Gladstone Financial Corporation (PGC) has a median fair value of $23.97 — 46.9% below the current price of $45.11 — as of 2026-08-28.” Source: circlfi.com/stock/PGC/ · Methodology
Primary sources for this PGC valuation

Market data for PGC as of ; valuations recomputed .

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