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Peapack-Gladstone Financial Corporation (PGC) vs River City Bank (RCBC)

Peapack-Gladstone Financial Corporation and River City Bank are both Banks Regional companies. Peapack-Gladstone Financial Corporation and River City Bank are of similar size ($828.4M and $811.6M). Across the 6 metrics below, Peapack-Gladstone Financial Corporation leads on 5 and River City Bank on 1.

Valuation

Metric PGC RCBC Banks Regional median
P/E 15.63 — 12.02
P/S 1.73 n/m 2.36
P/B 1.18 1.53 1.23
Price to free cash flow 7.95 n/m 10.60
EV/EBITDA — n/m —
EV/Sales — n/m —
Earnings yield 6.40% — 8.21%
Free cash flow yield 12.58% 0.00% 9.23%

Profitability

Metric PGC RCBC Banks Regional median
Gross margin 67.79% — 69.81%
Operating margin 0.00% — 0.00%
Net margin 11.04% — 18.82%
Free cash flow margin 21.80% — 17.97%
Return on equity 7.86% — 10.28%
Return on assets 0.68% — 1.13%
Return on invested capital 9.80% 0.00% 8.45%

Growth

Metric PGC RCBC Banks Regional median
Revenue growth (TTM) 10.31% — 6.37%
EPS growth (last fiscal year) 13.51% (5.98%) 18.85%
Revenue growth, 5-year CAGR 14.34% — 12.65%
Net income growth, 5-year CAGR 7.34% — 9.81%

Health

Metric PGC RCBC Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 0.97 0.91 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PGC RCBC Banks Regional median
Dividend yield 0.33% — 2.49%
Payout ratio 0.05 — 0.29

Size

Metric PGC RCBC Banks Regional median
Market cap 811.59m 828.41m 934.85m

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