Peapack-Gladstone Financial Corporation cash flow to debt ratio of 19.90% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Peapack-Gladstone Financial Corporation's free cash flow has decreased 54.64% from $63.01M last year to $28.58M, signaling decreasing performance

Peapack-Gladstone Financial Corporation's debt to equity ratio is 0.16, which means that the company's assets are healthy financed, signaling financial stability.

Peapack-Gladstone Financial Corporation's debt has decreased relative to shareholder equity from 0.29 last year to 0.16 today, signaling strengthened financials

Peapack-Gladstone Financial Corporation has a net cash position, so leverage is healthy.

Peapack-Gladstone Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Peapack-Gladstone Financial Corporation's profit margin has increased (35.72%) in the last year from 8.19% to 11.11%, signaling increasing performance

Peapack-Gladstone Financial Corporation's short-term liabilities of $6.66B exceed its short-term assets of $440.79M, signaling financial risk

Peapack-Gladstone Financial Corporation's return on assets of 0.65% is lower than the 5.00% threshold, indicating inefficient asset utilization

Peapack-Gladstone Financial Corporation's return on equity of 7.65%, is lower than 15.00%, indicating bad performance

Peapack-Gladstone Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Peapack-Gladstone Financial Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Peapack-Gladstone Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Peapack-Gladstone Financial Corporation has a free cash flow yield of 3.57%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Peapack-Gladstone Financial Corporation's yearly earnings has increased 13.15% since last year from $32.99M to $37.33M, signaling increasing performance

Peapack-Gladstone Financial Corporation's yearly revenue has decreased 29.76% since last year from $402.91M to $283.00M, signaling decreasing performance

ROIC 5.66% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Peapack-Gladstone Financial Corporation's 3-year revenue CAGR of 17.12% is positive, indicating growing revenue over the past 3 years

Peapack-Gladstone Financial Corporation had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Peapack-Gladstone Financial Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Peapack-Gladstone Financial Corporation is overvalued relative to its fair value price of 2.27 based on Discounted Cash Flow model

Peapack-Gladstone Financial Corporation has an earnings yield of 6.51%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Peapack-Gladstone Financial Corporation is overvalued relative to its fair value price of 10.90 based on EBITDA multiple model

Peapack-Gladstone Financial Corporation has an EV/EBITDA ratio of 9.61x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Peapack-Gladstone Financial Corporation is undervalued relative to its fair value price of 79.83 based on Earnings Fair Value model

Peapack-Gladstone Financial Corporation has a PEG-ratio over 1 which is considered overvalued

Peapack-Gladstone Financial Corporation has a price-to-book ratio of 1.11x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Peapack-Gladstone Financial Corporation has a price-to-sales ratio of 1.71x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue