You can see the Queen of Pentacles as a woman with the following qualities or, if the the question concerns a man, as the female part of his psyche. But I tend to reading the queens as the inward side of a person (philosophy of life, attitude towards life, values, habitus, typical moods...), no matter whether this person is female or male.
The Queen of Pentacles is a sensual and sensuous, comfortable, practical woman, she is creative and diligent. If she can't be creative or care for other people, animals or for her garden, she becomes unhappy. She is pragmatical, reliable and grounded, she loves the consistent. Sudden changes, adventures and also solitude frighten her. She needs a community.
The Queen of Pentacles can be problematic if she becomes rigidly conservative, greedy, niggardly or obsessive. And her need to make everything as nice as possible for everyone can exhaust her.