Peapack-Gladstone Financial (PGC)vsWells Fargo & Company (WFC)
PGC
Peapack-Gladstone Financial
$46.01
-3.58%
FINANCIAL SERVICES · Cap: $809.38M
WFC
Wells Fargo & Company
$85.43
+1.86%
FINANCIAL SERVICES · Cap: $264.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 30216% more annual revenue ($83.03B vs $273.87M). WFC leads profitability with a 27.2% profit margin vs 16.0%. PGC appears more attractively valued with a PEG of 0.64. WFC earns a higher WallStSmart Score of 76/100 (B+).
PGC
Strong Buy76
out of 100
Grade: B+
WFC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 86.0% YoY
Conservative balance sheet, low leverage
Growing faster than its price suggests
Strong operational efficiency at 28.1%
Revenue surging 25.5% year-over-year
Mega-cap, among the largest globally
Strong operational efficiency at 37.1%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 25.0% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 6.3% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : PGC
The strongest argument for PGC centers on Price/Book, EPS Growth, Debt/Equity. Profitability is solid with margins at 16.0% and operating margin at 28.1%. Revenue growth of 25.5% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.1%.
Bear Case : PGC
The primary concerns for PGC are Market Cap, Return on Equity, Altman Z-Score.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.
Key Dynamics to Monitor
PGC profiles as a growth stock while WFC is a mature play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.92 — expect wider price swings.
PGC is growing revenue faster at 25.5% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
PGC scores higher overall (76/100 vs 76/100), backed by strong 16.0% margins and 25.5% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Peapack-Gladstone Financial
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peapack-Gladstone Financial Corporation is the banking holding company for Peapack-Gladstone Bank providing private banking and wealth management services in the United States. The company is headquartered in Bedminster, New Jersey.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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