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Peapack-Gladstone Financial Corporation (PGC) — RQD Stock Rating Cockpit

$45.33 -1.26% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $45.14

Peapack-Gladstone Financial Corporation (PGC) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $813.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PGC Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PGC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Peapack-Gladstone Financial Corporation (NASDAQ: PGC) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $45.33 (-1.26% 1D, market cap $813.9M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, PGC ranks #437 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PGC compare to AGBK and VBNK in the Financials sector?

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Within the Financials sector (Commercial Banks), PGC carries a Roarable C- (60/100 RQD), trailing P/E of 21.8x, gross margin of —, and ROIC of 5.7%. By comparison, AGBK (AGI Inc (Class A)) holds a D grade (45/100 RQD, P/E N/A, ROIC —, cap $819.9M) and VBNK (VersaBank) posts a D+ grade (57/100 RQD, P/E N/A, ROIC —, cap $732.0M). Among the 5-stock peer group, PGC leads on earnings multiple (21.8x) while PGC leads on capital efficiency (5.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PGC?

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Per PGC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001050743), Peapack-Gladstone Financial Corporation generated $283.0M in revenue (+24.1% YoY), $37.3M in net income, and $28.8M in free cash flow against $7.53B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $45.14 (-0.42%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 10.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C- · Rk C-

Each axis scored 0–20

12M PRICE TARGET CONE+0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PGC)Realized 20D OHLCV Swing Band: ±4.6%

Deterministic 5-Pillar Attribution (60/100 Composite)

🔍 WHY PGC SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+14/20 pts (23% of score)

20D Institutional Volume Accumulation (±4.6% realized swing band)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality8/20 pts (-12 pt drag)

Capital intensity & 0% operating margin leave 12 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$43.60-1.8% Next Q

Q2 (-2Q)

Grade C$42.82+6.9% Next Q

Q3 (-1Q)

Grade C$45.78-1% Next Q

Current

Grade C-$45.33+0.4% Hist 90D α

Trajectory: C- (52) → C- (60)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PGC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, PGC faces multiple-compression risk if 21.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($44.79) or 200D SMA ($41.37) invalidates the momentum regime and cuts Target Base ($45.74) toward Bear Floor ($35.68).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PGC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PGC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 60%NO 40%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

60.230 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE84% OF RANGE

L: $25$45.33H: $49

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 8 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B-RQD 28 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C-RQD 24 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on PGC

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (40)

5.7% ROIC with 42.0% gross margin and 3.54% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (65)

28/40 institutional & smart-money positioning score with 11/20 macro alignment.

Bull Case: Why Buyers Like PGC

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PGC Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PGC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.97%📐 HORIZONTAL RANGE

2026-11-02O $46.17H $46.17L $45.33C $45.33VOL 147.1K

RES: $46.73SUP: $40.79SMA50: $44.79SMA200: $41.37

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PGC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PGC Butterfly Map → + Track PGC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

15.5%/yr Implied 5Y Growth

vs. +24.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PGC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PGC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PGC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PGC)

Financials Rank #437 of 1096 ⚔️ AGBK vs PGC Full Matrix →

1. Head-to-Head Financials Peer Comparison (PGC vs. AGBK, VBNK, SUPV, ESQ)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Peapack-Gladstone Financial Corporation (PGC) ranks #437 by composite RQD confidence (60/100, grade C-) and #601 by equity capitalization ($813.9M). Within this direct 5-issuer industry benchmark cohort, PGC leads on earnings valuation at 21.8x trailing P/E, while PGC leads on capital efficiency and profitability with 5.7% ROIC and — gross margin. ESQ currently holds the highest overall quantitative score in the immediate peer group at 61/100 (C-) compared with PGC at 60/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PGC ACTIVE Peapack-Gladstone Financial Corporation	C-	60/100	21.8x	—	5.7%	-1.26%	$813.9M	Benchmark Subject
AGBK AGI Inc (Class A)	D	45/100	—	—	—	+0.59%	$819.9M	/agbk-vs-pgc →
VBNK VersaBank	D+	57/100	—	—	—	-2.75%	$732.0M	/vbnk-vs-pgc →
SUPV Grupo Supervielle S.A. each Representing five (Class B)	D-	43/100	—	—	—	-3.88%	$612.0M	/supv-vs-pgc →
ESQ Esquire Financial Holdings Inc.	C-	61/100	—	—	—	-2.15%	$1.55B	/esq-vs-pgc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001050743

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Peapack-Gladstone Financial Corporation (PGC) reported GAAP revenue of $283.0M (+24.1% vs. FY2024 revenue of $228.1M , and +23.2% cumulative change since FY2023) , GAAP net income of $37.3M, operating cash flow of $43.1M, and free cash flow of $28.8M (-54.3% YoY). On the balance sheet, PGC closed FY2025 with $7.53B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$283.0M	$37.3M	$43.1M	$28.8M	$7.53B	—
FY2024 (FY)	2024-12-31	$228.1M	$33.0M	$71.1M	$63.0M	$7.01B	—
FY2023 (FY)	2023-12-31	$229.7M	$48.9M	$70.1M	$70.1M	—	—

3. PGC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PGC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does PGC compare to AGBK and VBNK in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for PGC?

Where is PGC trading relative to its 50-day, 200-day, and 52-week technical levels?

PGC last traded at $45.33 (-1.26% on volume of 160,927 shares), positioning the stock +1.21% above its 50-day simple moving average ($44.79) and +9.57% above its 200-day simple moving average ($41.37). Across its 52-week range of $24.71 to $49.14, PGC sits at the 84.4% percentile with a 14-day RSI of 60.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($43.24 to $47.42).

PGC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PGC stock right now?

Peapack-Gladstone Financial Corporation (PGC) currently earns a Roarable Rating of C- (Hold — HOLD) with 60/100 RQD Confidence. Solid steady margins (6% return on capital), mixed timing at 22x P/E—hold if owned, no rush to chase.

What is PGC's 12-month price target and RQD AI Jury consensus?

PGC's 12-month base price target is $45.74 (range $35.68 to $53.97), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: PGC RQD Cockpit PGC 12M Forecast PGC Earnings & Move PGC Dividends & DRIP PGC Insiders & 13F PGC Whale Options PGC Profit Sankey PGC News & Why