Peapack-Gladstone Financial Cor — Earnings Quality Grade C
PGC · Financial Services
Some red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 42 days, change -7 days YoY
AR growth 6.9% vs revenue growth 23.8%
Revenue grew 23.8% but CFFO declined -39.3%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth 79.7% is >2x revenue growth 23.8%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.16. Profits backed by cash
FCF $0.0B, FCF/NI = 0.77
Accruals ratio = -0.1%. Low accruals
Cash $0.2B covers 87% of debt $0.2B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 7% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -2% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Peapack-Gladstone Financial Cor is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25