AGBK (45) VBNK (55) SUPV (43) ESQ (60) ⌘ Pro Terminal →

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 59/100 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 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $803.6M

📤 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 2026-11-03, Peapack-Gladstone Financial Corporation (NASDAQ: PGC) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $45.33 (-1.26% 1D, market cap $803.6M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 14/20, 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 #427 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- (59/100 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 $824.7M) and VBNK (VersaBank) posts a D+ grade (55/100 RQD, P/E N/A, ROIC —, cap $711.9M). 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: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. 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 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% 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 D+

Each axis scored 0–20

12M PRICE TARGET CONE+0.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PGC)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (59/100 Composite)

🔍 WHY PGC SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+14/20 pts (24% of score)

20D Institutional Volume Accumulation (±4.4% realized swing band)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (24% 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-$43.28+1.4% Next Q

Q2 (-2Q)

Grade C-$43.90+4.6% Next Q

Q3 (-1Q)

Grade C$45.91-1.3% Next Q

Current

Grade C-$45.33+0.2% Hist 90D α

Trajectory: C- (51) → C- (59)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 59/100 (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

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

⚠️ 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 ($41.45) invalidates the momentum regime and cuts Target Base ($45.53) toward Bear Floor ($35.51).

🎲 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 59%NO 41%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

54.430 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: 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 (63)

28/40 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 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

2026-11-03O $45.91H $45.91L $45.33C $45.33VOL 160.9K

RES: $46.73SUP: $40.72SMA50: $44.79SMA200: $41.45

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 #427 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 #427 by composite RQD confidence (59/100, grade C-) and #597 by equity capitalization ($803.6M). 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 60/100 (C-) compared with PGC at 59/100 (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-	59/100	21.8x	—	5.7%	-1.26%	$803.6M	Benchmark Subject
AGBK AGI Inc (Class A)	D	45/100	—	—	—	+0.59%	$824.7M	/agbk-vs-pgc →
VBNK VersaBank	D+	55/100	—	—	—	-2.75%	$711.9M	/vbnk-vs-pgc →
SUPV Grupo Supervielle S.A. each Representing five (Class B)	D-	43/100	—	—	—	-3.88%	$588.3M	/supv-vs-pgc →
ESQ Esquire Financial Holdings Inc.	C-	60/100	—	—	—	-2.15%	$1.51B	/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 +9.36% above its 200-day simple moving average ($41.45). Across its 52-week range of $24.71 to $49.14, PGC sits at the 84.4% percentile with a 14-day RSI of 54.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($43.34 to $47.32).

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 59/100 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 $45.53 (range $35.51 to $53.73), 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

ROARABLE RATING BRIEF • RQD 59/100 (C-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

PGC — Peapack-Gladstone Financial Corporation: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:32:41Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, PGC scores 60 out of 100, a letter grade of C-, with a verdict of "Roarable Hold — Cautious Neutral." Across the five pillars: Fundamental Cash Engine scores 8 of 20 (ROIC 5.7%; FCF yield 3.54%), which is the weakest pillar and signals that cash generation relative to the capital base is modest. Whale 13F Flow scores 14 of 20 (institutional accumulation and options positioning), indicating moderate institutional interest. Insider Conviction scores 14 of 20 (SEC Form 4 and Congressional PTR cluster flow), also moderate. Macro Regime Fit scores 11 of 20 (Beta 1.0; sector sensitivity), meaning the stock tracks the broader market one-for-one and carries sector-level exposure. Forensic Balance Sheet scores 13 of 20 (Altman Z 2.5; Piotroski F 6/9; Debt/Equity 0.5), the strongest pillar, suggesting a reasonably sound balance sheet.

For a prospective investor, the rating points to a balanced profile rather than a clear directional signal. The upside case rests on the balance sheet and institutional/insider interest; the constraint is the weak cash-return profile and a valuation that sits above the forward multiple. The stock's 52-week range of $24.71 to $49.14 with a current price of $45.91 places it near the upper end of that range, so much of the recent move is already reflected in the price.

Business

Peapack-Gladstone Financial Corporation is a NASDAQ-listed issuer in the Financials sector, operating within the Commercial Banks industry, per the SEC financials and profile. The profile identifies the company's market capitalization as $0.8B. Specific product lines, customer segments, and revenue mix are not available in source data. The source data does not detail how the company earns its revenue beyond its sector and industry classification.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$283.0M	$0.0M	$37.3M	N/A	$28.8M	N/A	N/A
FY 2024	$228.1M	$0.0M	$33.0M	N/A	$63.0M	N/A	N/A
FY 2023	$229.7M	$0.0M	$48.9M	N/A	$70.1M	N/A	N/A

Per the SEC financials, revenue rose from $229.7M in FY 2023 to $228.1M in FY 2024 and then to $283.0M in FY 2025, while net income moved from $48.9M to $33.0M to $37.3M. Per the market data, net margin is 13.2% and ROIC is 5.7%. The Altman Z-Score is 2.5 and the Piotroski F-Score is 6 out of 9, per the Roarable RQD rating forensic pillar, and Debt/Equity is 0.5. Gross and operating margins are reported as 0% in the market data, which the source does not explain; operating income in the SEC financials is reported as $0.0M for all periods, so margin analysis from operating lines is not available in source data.

Recent Catalysts & News Wire Analysis

Per the recent news feed, the most recent items reference a Q3 earnings report: one headline cites a Q3 earnings review, another references a 2026 Q3 earnings call presentation dated 2026-10-30, and a MarketScreener flash reports Q3 revenue of $87.5M against a FactSet estimate of $90.1M. A Yahoo Finance item is tagged as a catalyst and describes a "quiet profit surge" in Q3 earnings. A Stock Titan item covers the hiring of a private banking professional managing about $300 million in client relationships. Other items are general stock analyses. Per the news feed, the Q3 revenue figure of $87.5M sits below the cited FactSet estimate of $90.1M. Risk watch items: the reported Q3 revenue shortfall versus estimate, and the stock's position near its 52-week high. Proprietary signals: none are listed in the Butterfly Supply-Chain Graph.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, supply chain is NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependencies are not available in source data. Sector correlations beyond the Financials sector and Commercial Banks industry classification are not available in source data. Investors should note that the source does not map which external interest-rate, credit, or regional-economic factors feed into the company's results; such second-order links cannot be assessed from the provided data.

Open Questions

What drives the gap between reported FY 2025 revenue of $283.0M and the Q3 revenue figure of $87.5M cited in the news feed, and how does that reconcile with the net income trend?
Why are gross and operating margins reported as 0% while net margin is 13.2%, and what does operating income represent given it is shown as $0.0M for every period?
What are the EPS, cash, and debt figures for the reported periods, which are listed as N/A?
What is the basis for the EV/EBITDA omission, and what would enterprise-value-based valuation show against peers?
Does the Q3 revenue shortfall versus the FactSet estimate reflect a one-time item or a trend that the RQD cash-engine pillar is already capturing?

PGC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Peapack-Gladstone Financial Corporation (PGC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PGC Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 18h ago

Peapack-Gladstone (PGC) Reports Q3 Earnings: What Key Metrics Have to Say

Yahoo Finance report covering Peapack-Gladstone Financial Corporation (PGC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 21h ago

Peapack-Gladstone Financial Corporation 2026 Q3 - Results - Earnings Call Presentation (NASDAQ:PGC) 2026-10-30

Seeking Alpha report covering Peapack-Gladstone Financial Corporation (PGC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

She managed about $300 million in client relationships. Now Ana Parra joins Peapack Private.

Stock Titan report covering Peapack-Gladstone Financial Corporation (PGC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Peapack-Gladstone Financial (Nasdaq:PGC) - Stock Analysis

Simply Wall St report covering Peapack-Gladstone Financial Corporation (PGC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE www.marketscreener.com • 1d ago

Earnings Flash (PGC) Peapack-Gladstone Financial Corporation Reports Q3 Revenue $87.5M, vs. FactSet Est of $90.1M

www.marketscreener.com report covering Peapack-Gladstone Financial Corporation (PGC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Peapack Gladstone Financial (PGC) Q3 Earnings Reveal A Quiet Profit Surge

Yahoo Finance report covering Peapack-Gladstone Financial Corporation (PGC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quiver Quantitative • 1d ago

Peapack-Gladstone Financial Corporation Declares $0.05 Quarterly Cash Dividend

Quiver Quantitative report covering Peapack-Gladstone Financial Corporation (PGC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

A New Jersey bank's profit per share rose 83% in a year

Stock Titan report covering Peapack-Gladstone Financial Corporation (PGC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PGC Bull vs. Bear Conversation Board — What's Your Call at $45.33?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PGC 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $49.58 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is PGC (C- • RQD 60/100) a Buy at $45.91?

Welcome to the PGC (Peapack-Gladstone Financial Corporation) Roar Pit. Current RQD Composite is 60/100 (Roarable Hold — Cautious Neutral) in Commercial Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SH ShortSeller_Dan Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $38.56 (-16.0%)

Spot @ $45.91

Pump the brakes on PGC — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on PGC, but look at what you are paying: 21.8x trailing P/E with tightening sector spreads. Unless Peapack-Gladstone Financial Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MI MidwestValue Verified K Arena Trader 🐂 BULLISH 🎯 Target: $54.63 (+19.0%)

Spot @ $45.91

PGC cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on PGC, the market is fixating on short-term headline noise in Commercial Banks and ignoring the balance sheet and cash flow trajectory. At $45.91 (52-wk range $24.71 - $49.14), any beat on forward guidance forces shorts and underweight funds to chase.