| Company Name: | Peapack-Gladstone Financial Corporation | | Ticker Symbol: | PGC | | | WWW Address: | www.pgbank.com | | CEO: | Frank A. Kissel | | No. of Employees: | 278 | | Common Issue Type: | CS | | Business Description: | A bank holding company for Peapack-Gladstone Bank, which offers financial services through more than 20 full-service banking offices, and one mini-branch.
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| | | Industry Information: | BANKING - Regional - Northeast Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 12.12 |  0.21 | 9.58 | 14.25 | 11.86 | 12.32 | 11.86 | 22465 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 105.7 | 8.7 | 0.62 | -2.53 | 0.61 | 0.0 | 1.7 | 30.23 - 10.68 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 12.12 | $ | | PE Ratio - LTM | 0.0 | |
| Market Capitalisation | 105.7 | mil |
| Latest Shares Outstanding | 8.7 | mil |
| Earnings pS (EPS) | -2.53 | $ |
| Dividend pS (DPS) | 0.61 | ¢ |
| Dividend Yield | 1.7 | % |
| Dividend Payout Ratio | 0 | % |
| Revenue per Employee | 110,201 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 7.4 | mil |
| Float as % of Shares Outstanding | 84.6 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 51.6 | % |
| Pre-Tax Profit Margin | 34.4 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | -1.8 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | -22.6 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 16.2 | |
| Interest Cover | 0.0 | |
| Total Debt/Equity (Gearing Ratio) | 0.00 | |
| LT Debt/Total Capital | 0.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 10.54 | $ |
| Tangible Book-Value pS | 10.54 | $ |
| Cash Flow pS | -3.21 | $ |
| Free Cash Flow pS | 1.64 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.15 | |
| Price/Tangible Book Ratio | 1.15 | |
| Price/Cash Flow | -3.8 | |
| Price/Free Cash Flow | 7.4 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/15/2009 |
| Dividend Ex-Date | 10/26/2009 |
| Dividend Record Date | 10/28/2009 |
| Dividend Pay Date | 11/12/2009 |
| Dividend Amount | 50 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.20 |
| Current Dividend Yield | 1.7 |
| 5-Y Average Dividend Yield | 2.1 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 29.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -8.3 | 92 | 119 | 832 |
| 4 Weeks | 15.79 | 11.86 | 14.81 | -18.2 | 81 | 139 | 2,780 |
| 13 Weeks | 18.25 | 11.86 | 18.25 | -33.6 | 62 | 108 | 6,935 |
| 26 Weeks | 20.95 | 11.86 | 15.96 | -24.1 | 62 | 149 | 18,924 |
| 52 Weeks | 30.23 | 10.68 | 23.81 | -49.1 | 37 | 148 | 37,041 |
| YTD | 26.36 | 10.68 | - | -52.2 | 40 | 152 | 34,198 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 12.73 | 13.50 | 15.01 | 16.61 | 16.72 | 0.62 | 0.63 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | -1.23 | 0.4 | -11.03 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | 9.07 | 65.7 | -0.16 |
| Capital Spending | 1.36 | NA | -3.10 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -7.0 | -8.2 | -64.5 |
| Earnings % | -45.8 | -62.7 | -100.0 |
| EPS % | -55.8 | -75.0 | -100.0 |
| EPS $ | -0.67 | -0.30 | -3.88 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 23.42 |
| Free Cash Flow Margin 5YEAR AVG | 14.56 |
| Cash-Flow pS | 2.90 |
| Free Cash-Flow pS | 1.93 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 16.51 |
| Debt Ratio | 93.94 |
| Total Debt/Equity (Gearing Ratio) | 0.66 |
| LT Debt/Equity | 0.47 |
| LT Debt/Capital Invested | 32.15 |
| LT Debt/Total Liabilities | 3.05 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | - |
| Tobin's Q Ratio | 0.08 |
| Current P/E Ratio - LTM | 0.00 |
| Enterprise Value (EV)/EBITDA | 0.02 |
| Enterprise Value (EV)/Free Cash Flow | 1.09 |
| Dividend Yield | 1.7 |
| Price/Tangible Book Ratio - LTM | 1.15 |
| Price/Book Ratio - LTM | 1.15 |
| Price/Cash Flow Ratio | -3.8 |
| Price/Free Cash Flow Ratio - LTM | 7.4 |
| P/E Ratio (1 month ago) - LTM | 0.0 |
| P/E Ratio (26 weeks ago) - LTM | 0.0 |
| P/E Ratio (52 weeks ago) - LTM | 14.6 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 0.0 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 10.54 |
| Book Value pS - LTM | 10.54 |
| Capital Invested pS | 14.18 |
| Cash Flow pS - LTM | -3.21 |
| Free Cash Flow pS - LTM | 1.64 |
| Earnings pS (EPS) | -2.53 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | -26.30 |
| Return on Equity (ROE) - 5YEAR AVRG. | 5.4 |
| Return on Capital Invested (ROCI) | -17.84 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 4.1 |
| Return on Assets (ROA) | -1.59 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.4 |
| EBIT Margin - LTM | 51.6 |
| EBITDA Margin - LTM | 51.6 |
| Pre-Tax Profit Margin | -74.80 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 24.59 |
| Net Profit Margin | -47.63 |
| Net Profit Margin - 5YEAR AVRG. | 18.24 |
| Effective Tax Rate | 36.33 |
| Effective Tax Rate - 5YEAR AVRG. | 30.92 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 285,529 |
| Net Income per Employee - LTM | -96,745 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,454.62 |
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