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what it is
PGC is a New Jersey bank that lends money, takes deposits, and manages $12.9 billion for wealthy clients.
how it gets paid
Last year Pgc made $283M in revenue. commercial lending was the main engine at $127M, or 45% of sales.
why it's growing
Revenue grew 24.1% last year. SEC data shows Revenue up 190% vs. prior year and EPS up 33% vs. prior year.
what just happened
Revenue hit $205M and EPS reached $0.69, but the bigger story is how messy that looks next to other reported figures.
At a glance
B+ balance sheet — decent shape, but not bulletproof
55/100 earnings predictability — expect surprises
15.2x trailing p/e — the market's not buying it — or you found a deal
0.6% dividend yield — cash in your pocket every quarter
$1.85 fy2024 eps est
xvary composite: 57/100 — below average
What they do
PGC is a New Jersey bank that lends money, takes deposits, and manages $12.9 billion for wealthy clients.
Most local banks stop at checking accounts and loans. PGC also had $12.9 billion in assets under management on September 30, 2025, on top of $7.3 billion in bank assets. That mix matters because wealth management keeps clients sticky, and sticky means your banker handles more of your money before you think about leaving.
How they make money
$283M
annual revenue · their business grew +24.1% last year
commercial lending
$127M
residential and consumer lending
$42M
deposit and treasury services
$34M
wealth management and fiduciary
$68M
other banking services
$12M
The products that matter
commercial lending and treasury services
Commercial Banking
$7.3B asset base
this is the balance-sheet engine. on a $7.3B asset base, loan yields, credit quality, and funding costs matter more than branding ever will.
core bank
investment management and advisory
Private Wealth Management
$12B client assets
this $12B platform is the part bulls point to because fee income tends to be steadier than loan spreads. the catch is simple: a 55/100 predictability score says the smoothing effect still looks partial.
fee income
consumer deposits and branch banking
Retail Banking
supports $283M revenue
retail deposits are cheap funding when customers stay put. for a company with $283M in annual revenue and $153M in long-term debt, deposit stickiness is not a side issue — it is the operating model.
funding base
Key numbers
$12.9B
client assets
That is money PGC manages for clients, which gives you fee income that does not depend only on loan spreads.
$7.3B
bank assets
This is the size of the actual bank, which tells you PGC is small enough to move but large enough to matter locally.
$153M
long-term debt
Long-term debt was 21% of capital, which is manageable but still real leverage in a bank earning less than it did in 2022.
$1.85
2024 EPS
That is down from $4.00 in 2022, which is the quiet part: this business is still profitable, just less so.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 3 — safer than 50% of stocks
- price stability 55 / 100
- long-term debt $153M (21% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for PGC right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue hit $205M and EPS reached $0.69, but the bigger story is how messy that looks next to other reported figures.
SEC data shows latest-quarter revenue up 190% vs. prior year and EPS up 33% vs. prior year. That is strong on its face, but you should weigh it against full-year EPS of $1.85 in 2024 versus $2.71 in 2023.
$205M
revenue
$0.69
eps
12.9%
gross margin
the number that mattered
The number that mattered was $205 million of quarterly revenue, because it clashes so hard with the $283 million full-year figure that you have to verify every comparison.
source: company earnings report, 2026
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What could go wrong
the top risk is deposit-cost pressure overwhelming the fee-income story. for PGC, the whole bet is that a $12B wealth business helps offset what spread compression and higher funding costs can do to a $7.3B-asset bank.
high
net interest margin pressure
net interest margin is the spread between what the bank earns on loans and what it pays for deposits and other funding. if deposit costs stay high or loan yields soften, the core earnings engine gets thinner.
this runs through the banking side of a company with $7.3B in assets and only a 12.9% net margin. a small squeeze matters here.
high
expense discipline slipping again
this is not a theoretical risk. management already pointed to higher expenses in the recent miss. when that happens twice, investors stop waiting for the clean quarter and start repricing the stock for it.
if revenue lands near the $75.44M quarterly expectation and costs stay elevated, the current profit profile gets squeezed further.
med
regional concentration
you own a New Jersey-focused bank, not a nationally diversified lender. local commercial real estate, business activity, and deposit competition matter more here than they would at a giant bank.
a narrower footprint means more earnings sensitivity to one local market and fewer offsets if that market softens.
med
wealth management failing to earn a premium multiple
the bull case likes the $12B private wealth platform because fees are usually steadier than loan spreads. the bear case is blunt: if results still look choppy at 55/100 predictability, the stabilizer is not stabilizing enough.
if the wealth arm does not smooth earnings, investors keep valuing PGC like an ordinary regional bank with ordinary rate exposure.
the two risks that matter most hit the same place: profitability. on $259M of trailing revenue and a 12.9% net margin, PGC does not need a crisis to disappoint — one more quarter of spread pressure and elevated costs is enough.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
q1 2026 earnings report
expected april 21, 2026. consensus is $0.68 EPS on $75.44M of revenue. this is the next hard read on whether management can control costs.
margin
whether 12.9% net margin starts moving up or down
if revenue grows and margin slips, you are not seeing a stronger business. you are seeing growth that costs too much.
ownership
whether insider selling stays one-off
$1.5M sold against $391K bought is not fatal. a repeat would make the signal harder to wave away.
business mix
whether the $12B wealth arm finally smooths results
that is the strategic question. if earnings stay uneven, the diversification pitch loses force and the stock keeps trading like a plain bank.
Analyst rankings
earnings predictability
55 / 100
in human-speak, this is not a bank you buy for perfectly smooth quarters. the earnings path still has noise in it.
risk rank
3
that is middle-tier safety. safer than the market's weakest names, far from the safest banks.
price stability
55 / 100
the stock has been moderately stable, which fits a small regional bank still trying to prove its business mix deserves a premium.
source: institutional data
Institutional activity
institutional ownership data for PGC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$33
current price
n/a
target midpoint · n/a from current
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