What is Peapack Gladstone Financial Corp worth?
With the base-case assumptions below, a discounted cash flow model on Peapack Gladstone Financial Corp's reported free cash flow gives $50.76 per share. The share price was $45.03 on September 25, 2026, 11% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 3.5% | 10.0% | $37.01 | -18% |
| Base | 8.5% | 9.0% | $50.76 | +13% |
| Bull | 13.5% | 8.0% | $78.17 | +74% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $61.04 | $64.20 | $68.05 | $72.87 | $79.07 |
| 8.0% | $53.36 | $55.40 | $57.82 | $60.72 | $64.27 |
| 9.0% | $47.75 | $49.15 | $50.76 | $52.64 | $54.87 |
| 10.0% | $43.48 | $44.47 | $45.60 | $46.89 | $48.38 |
| 11.0% | $40.13 | $40.86 | $41.67 | $42.59 | $43.63 |
Where the presets come from
Base: years 1 to 5 grow at Peapack Gladstone Financial Corp's revenue growth rate over the last 5 fiscal years (8.4% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions