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Peapack-Gladstone Financial Corporation (PGC) vs SmartFinancial, Inc. (SMBK)

Peapack-Gladstone Financial Corporation and SmartFinancial, Inc. are both Banks Regional companies. Peapack-Gladstone Financial Corporation and SmartFinancial, Inc. are of similar size ($819.7M and $811.6M). SmartFinancial, Inc. trades at the lower P/E: 14.1× against 15.6×. SmartFinancial, Inc. grew revenue faster over the last twelve months: 11.1% against 10.3%. SmartFinancial, Inc. has the higher net margin (17.1% vs 11.0%) and the higher return on invested capital (15.2% vs 9.80%). Both pay a dividend; SmartFinancial, Inc. yields more (0.70% vs 0.33%). Across the 19 metrics below, SmartFinancial, Inc. leads on 11 and Peapack-Gladstone Financial Corporation on 8.

Valuation

Metric PGC SMBK Banks Regional median
P/E 15.63 14.11 12.02
P/S 1.73 2.42 2.36
P/B 1.18 1.41 1.23
Price to free cash flow 7.95 12.03 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.40% 7.09% 8.21%
Free cash flow yield 12.58% 8.31% 9.23%

Profitability

Metric PGC SMBK Banks Regional median
Gross margin 67.79% 63.90% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.04% 17.12% 18.82%
Free cash flow margin 21.80% 20.12% 17.97%
Return on equity 7.86% 10.47% 10.28%
Return on assets 0.68% 0.99% 1.13%
Return on invested capital 9.80% 15.22% 8.45%

Growth

Metric PGC SMBK Banks Regional median
Revenue growth (TTM) 10.31% 11.14% 6.37%
EPS growth (last fiscal year) 13.51% 39.25% 18.85%
Revenue growth, 5-year CAGR 14.34% 19.21% 12.65%
Net income growth, 5-year CAGR 7.34% 15.65% 9.81%

Health

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

Dividend

Metric PGC SMBK Banks Regional median
Dividend yield 0.33% 0.70% 2.49%
Payout ratio 0.05 0.10 0.29

Size

Metric PGC SMBK Banks Regional median
Market cap 811.59m 819.74m 934.85m

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