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

$45.91 -0.56% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $45.78

Peapack-Gladstone Financial Corporation (PGC) carries a Roarable Rating of D+ (Sell) with 53/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 53/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.9% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $813.9M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $45.78 (-0.29%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 10.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 53/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.9% avg 90D alpha vs SPY • 50.6% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

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 D · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-2.2% Base Target

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

Deterministic 5-Pillar Attribution (53/100 Composite)

🔍 WHY PGC SCORES 53/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (26% of score)

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

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

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

Q1 (-3Q)

Grade D$43.37+0% Next Q

Q2 (-2Q)

Grade D$43.38+4.7% Next Q

Q3 (-1Q)

Grade C-$45.43+1.1% Next Q

Current

Grade D+$45.91-0.9% Hist 90D α

Trajectory: D (45) → D+ (53)Full Audit →

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

⚔️ Adversarial Opposing Case: What Could Spark a PGC Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While PGC currently carries a cautious 53/100 (D+) rating due to Whale & Options Positioning (8/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

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

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($44.78) and Max Pain ($48.21) forces dealer call-delta covering toward $52.96.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.80% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 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 53%NO 47%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

55.830 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 RANGE87% OF RANGE

L: $25$45.91H: $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● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 22 / 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: D+RQD 23 / 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 (53)

22/40 institutional & smart-money positioning score with 10/20 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

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

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

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PGC)

✓Walkthrough of PGC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

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: +9.96%▼ DESCENDING CHANNEL

2026-10-30O $46.18H $46.18L $44.92C $45.91VOL 160.9K

RES: $46.70SUP: $40.86SMA50: $44.78SMA200: $41.28

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 #740 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 #740 by composite RQD confidence (53/100, grade D+) 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. AGBK currently holds the highest overall quantitative score in the immediate peer group at 60/100 (C-) compared with PGC at 53/100 (D+).

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	D+	53/100	21.8x	—	5.7%	-0.56%	$813.9M	Benchmark Subject
AGBK AGI Inc (Class A)	C-	60/100	—	—	—	+0.39%	$819.9M	/agbk-vs-pgc →
VBNK VersaBank	D	51/100	—	—	—	+0.71%	$732.0M	/vbnk-vs-pgc →
SUPV Grupo Supervielle S.A. each Representing five (Class B)	D+	57/100	—	—	—	+0.30%	$612.0M	/supv-vs-pgc →
ESQ Esquire Financial Holdings Inc.	D+	52/100	—	—	—	-0.88%	$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?

As of 2026-11-01, Peapack-Gladstone Financial Corporation (NASDAQ: PGC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $45.91 (-0.56% 1D, market cap $813.9M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, PGC ranks #740 in composite RQD confidence.

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

Within the Financials sector (Commercial Banks), PGC carries a Roarable D+ (53/100 RQD), trailing P/E of 21.8x, gross margin of —, and ROIC of 5.7%. By comparison, AGBK (AGI Inc (Class A)) holds a C- grade (60/100 RQD, P/E N/A, ROIC —, cap $819.9M) and VBNK (VersaBank) posts a D grade (51/100 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).

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

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: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

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

PGC last traded at $45.91 (-0.56% on volume of 147,069 shares), positioning the stock +2.52% above its 50-day simple moving average ($44.78) and +11.22% above its 200-day simple moving average ($41.28). Across its 52-week range of $24.71 to $49.14, PGC sits at the 86.8% percentile with a 14-day RSI of 55.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($43.80 to $48.02).

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 D+ (Sell — SELL) with 53/100 RQD Confidence. Stretched risk/reward at 22x P/E (6% return on capital) under elevated 10-year interest-rate pressure.

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

PGC's 12-month base price target is $44.88 (range $35.01 to $52.96), 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