Contrasting Peapack-Gladstone Financial (PGC) & ST BK CORP/SH SH (SBAZ)

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Peapack-Gladstone Financial (NASDAQ:PGC) and ST BK CORP/SH SH (OTCMKTS:SBAZ) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, dividends, valuation, profitability, institutional ownership, risk and analyst recommendations.

Analyst Recommendations

This is a breakdown of current ratings and target prices for Peapack-Gladstone Financial and ST BK CORP/SH SH, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Peapack-Gladstone Financial 0 1 2 0 2.67
ST BK CORP/SH SH 0 0 0 0 N/A

Peapack-Gladstone Financial currently has a consensus target price of $36.50, indicating a potential upside of 37.48%. Given Peapack-Gladstone Financial’s higher probable upside, research analysts plainly believe Peapack-Gladstone Financial is more favorable than ST BK CORP/SH SH.

Institutional & Insider Ownership

72.1% of Peapack-Gladstone Financial shares are owned by institutional investors. 4.1% of Peapack-Gladstone Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Dividends

Peapack-Gladstone Financial pays an annual dividend of $0.20 per share and has a dividend yield of 0.8%. ST BK CORP/SH SH pays an annual dividend of $0.30 per share and has a dividend yield of 2.3%. Peapack-Gladstone Financial pays out 8.7% of its earnings in the form of a dividend.

Profitability

This table compares Peapack-Gladstone Financial and ST BK CORP/SH SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Peapack-Gladstone Financial 21.67% 9.91% 1.00%
ST BK CORP/SH SH 27.71% 14.10% 1.34%

Risk & Volatility

Peapack-Gladstone Financial has a beta of 1.05, indicating that its share price is 5% more volatile than the S&P 500. Comparatively, ST BK CORP/SH SH has a beta of 0.03, indicating that its share price is 97% less volatile than the S&P 500.

Earnings & Valuation

This table compares Peapack-Gladstone Financial and ST BK CORP/SH SH’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Peapack-Gladstone Financial $203.88 million 2.52 $44.17 million $2.31 11.49
ST BK CORP/SH SH $30.97 million 3.39 $8.58 million N/A N/A

Peapack-Gladstone Financial has higher revenue and earnings than ST BK CORP/SH SH.

About Peapack-Gladstone Financial

Peapack-Gladstone Financial Corporation operates as the bank holding company for Peapack-Gladstone Bank that provides private banking and wealth management services in the United States. The company operates in two segments, Banking and Private Wealth Management. It offers checking and savings accounts, money market and interest-bearing checking accounts, certificates of deposit, and individual retirement accounts. The company also provides working capital lines of credit, term loans for fixed asset acquisitions, commercial mortgages, multi-family mortgages, and other forms of asset-based financing services; and residential mortgages, home equity lines of credit, and other second mortgage loans. In addition, it offers asset management services; personal trust services, including services as executor, trustee, administrator, custodian, and guardian; and other financial planning, tax preparation, and advisory services. Further, the company operates automated teller machines at 24 locations; and provides telephone and Internet banking, merchant credit card, and customer support sales services. Its private banking clients include businesses, non-profits, and consumers; and wealth management clients comprise individuals, families, foundations, endowments, trusts, and estates. The company operates its private banking locations in Bedminster, Morristown, Princeton, and Teaneck, New Jersey; and wealth management branches in Somerset, Morris, Hunterdon, and Union counties. Peapack-Gladstone Financial Corporation was founded in 1921 and is based in Bedminster, New Jersey.

About ST BK CORP/SH SH

State Bank Corp. engages in the provision of deposit and loan products through its subsidiary. It offers its products to individuals, businesses and professionals throughout Arizona. The company was founded in 2004 and is headquartered in Lake Havasu City, AZ.

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