30.67 USD
-0.08 (-0.26%)
30.67 USD
0 (0%)
Taking everything into account, PEBO scores 3 out of 10 in our fundamental rating. PEBO was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of PEBO have multiple concerns. PEBO has a valuation in line with the averages, but on the other hand it scores bad on growth. PEBO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year PEBO was profitable.
PEBO had a positive operating cash flow in the past year.
In the past 5 years PEBO has always been profitable.
In the past 5 years PEBO always reported a positive cash flow from operatings.
1.2 Ratios
PEBO has a Return On Assets of 1.05%. This is in the better half of the industry: PEBO outperforms 64.95% of its industry peers.
PEBO's Return On Equity of 8.54% is in line compared to the rest of the industry. PEBO outperforms 47.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 8.54% | ||
| ROIC | N/A |
ROA(3y)1.29%
ROA(5y)1.05%
ROE(3y)11.32%
ROE(5y)9.11%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PEBO's Profit Margin of 22.26% is in line compared to the rest of the industry. PEBO outperforms 41.24% of its industry peers.
In the last couple of years the Profit Margin of PEBO has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for PEBO so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.26% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.89%
PM growth 5Y-0.04%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PEBO does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PEBO has more shares outstanding
The number of shares outstanding for PEBO has been increased compared to 5 years ago.
PEBO has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of PEBO is 2.89, which is a good value as it means it would take PEBO, 2.89 years of fcf income to pay off all of its debts.
PEBO has a worse Debt to FCF ratio (2.89) than 60.82% of its industry peers.
PEBO has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of PEBO (0.09) is better than 70.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 2.89 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.47%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PEBO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -18.52%.
The Earnings Per Share has been growing slightly by 5.44% on average over the past years.
Looking at the last year, PEBO shows a very negative growth in Revenue. The Revenue has decreased by -19.19% in the last year.
Measured over the past years, PEBO shows a quite strong growth in Revenue. The Revenue has been growing by 16.92% on average per year.
EPS 1Y (TTM)-18.52%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%-6.74%
Revenue 1Y (TTM)-19.19%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%1.29%
3.2 Future
The Earnings Per Share is expected to grow by 2.72% on average over the next years.
PEBO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.16% yearly.
EPS Next Y-8.04%
EPS Next 2Y1.84%
EPS Next 3Y2.72%
EPS Next 5YN/A
Revenue Next Year3.26%
Revenue Next 2Y3.16%
Revenue Next 3Y3.16%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.72, which indicates a very decent valuation of PEBO.
PEBO's Price/Earnings ratio is a bit cheaper when compared to the industry. PEBO is cheaper than 72.16% of the companies in the same industry.
PEBO is valuated cheaply when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.93 indicates a reasonable valuation of PEBO.
Based on the Price/Forward Earnings ratio, PEBO is valued a bit cheaper than 78.35% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PEBO to the average of the S&P500 Index (24.03), we can say PEBO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.72 | ||
| Fwd PE | 8.93 |
4.2 Price Multiples
PEBO's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PEBO is cheaper than 78.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.22 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.97
EPS Next 2Y1.84%
EPS Next 3Y2.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.15%, PEBO is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.74, PEBO pays a better dividend. On top of this PEBO pays more dividend than 90.21% of the companies listed in the same industry.
PEBO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.15% |
5.2 History
The dividend of PEBO has a limited annual growth rate of 4.15%.
PEBO has been paying a dividend for at least 10 years, so it has a reliable track record.
PEBO has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.15%
Div Incr Years9
Div Non Decr Years13
5.3 Sustainability
PEBO pays out 56.95% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of PEBO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP56.95%
EPS Next 2Y1.84%
EPS Next 3Y2.72%
30.67
-0.08 (-0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners60.92%
Inst Owner Change-0.54%
Ins Owners3.03%
Ins Owner Change0.66%
Market Cap1.09B
Revenue(TTM)453.61M
Net Income(TTM)100.97M
Analysts73.85
Price TargetN/A
Short Float %2.56%
Short Ratio5.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.15% |
Yearly Dividend1.58
Dividend Growth(5Y)4.15%
DP56.95%
Div Incr Years9
Div Non Decr Years13
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-13.22%
Min EPS beat(2)-25.02%
Max EPS beat(2)-1.42%
EPS beat(4)0
Avg EPS beat(4)-9.01%
Min EPS beat(4)-25.02%
Max EPS beat(4)-0.96%
EPS beat(8)2
Avg EPS beat(8)-4.21%
EPS beat(12)4
Avg EPS beat(12)-3.57%
EPS beat(16)8
Avg EPS beat(16)2.79%
Revenue beat(2)0
Avg Revenue beat(2)-2.2%
Min Revenue beat(2)-3.52%
Max Revenue beat(2)-0.87%
Revenue beat(4)0
Avg Revenue beat(4)-1.71%
Min Revenue beat(4)-3.52%
Max Revenue beat(4)-0.17%
Revenue beat(8)1
Avg Revenue beat(8)-1.56%
Revenue beat(12)3
Avg Revenue beat(12)-0.96%
Revenue beat(16)5
Avg Revenue beat(16)-0.77%
PT rev (1m)0%
PT rev (3m)-3.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.86%
EPS NY rev (1m)0%
EPS NY rev (3m)1.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.72 | ||
| Fwd PE | 8.93 | ||
| P/S | 2.41 | ||
| P/FCF | 8.22 | ||
| P/OCF | 7.86 | ||
| P/B | 0.93 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.86
EY9.33%
EPS(NY)3.43
Fwd EY11.19%
FCF(TTM)3.73
FCFY12.17%
OCF(TTM)3.9
OCFY12.73%
SpS12.71
BVpS33.13
TBVpS22.05
PEG (NY)N/A
PEG (5Y)1.97
Graham Number46.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 8.54% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.26% | ||
| GM | N/A | ||
| FCFM | 29.38% |
ROA(3y)1.29%
ROA(5y)1.05%
ROE(3y)11.32%
ROE(5y)9.11%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.89%
PM growth 5Y-0.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 2.89 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 173.85% | ||
| Cap/Sales | 1.35% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 131.97% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC13.47%
ROIC/WACCN/A
Cap/Depr(3y)200.12%
Cap/Depr(5y)128.88%
Cap/Sales(3y)2.24%
Cap/Sales(5y)2.32%
Profit Quality(3y)115.04%
Profit Quality(5y)179.67%
High Growth Momentum
Growth
EPS 1Y (TTM)-18.52%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%-6.74%
EPS Next Y-8.04%
EPS Next 2Y1.84%
EPS Next 3Y2.72%
EPS Next 5YN/A
Revenue 1Y (TTM)-19.19%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%1.29%
Revenue Next Year3.26%
Revenue Next 2Y3.16%
Revenue Next 3Y3.16%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.04%
FCF growth 3Y-3.06%
FCF growth 5Y16.19%
OCF growth 1Y6.87%
OCF growth 3Y-2.9%
OCF growth 5Y16.33%
PEOPLES BANCORP INC / PEBO FAQ
What is the ChartMill fundamental rating of PEOPLES BANCORP INC (PEBO) stock?
ChartMill assigns a fundamental rating of 3 / 10 to PEBO.
What is the valuation status of PEOPLES BANCORP INC (PEBO) stock?
ChartMill assigns a valuation rating of 5 / 10 to PEOPLES BANCORP INC (PEBO). This can be considered as Fairly Valued.
How profitable is PEOPLES BANCORP INC (PEBO) stock?
PEOPLES BANCORP INC (PEBO) has a profitability rating of 3 / 10.
What is the expected EPS growth for PEOPLES BANCORP INC (PEBO) stock?
The Earnings per Share (EPS) of PEOPLES BANCORP INC (PEBO) is expected to decline by -8.04% in the next year.
Can you provide the dividend sustainability for PEBO stock?
The dividend rating of PEOPLES BANCORP INC (PEBO) is 8 / 10 and the dividend payout ratio is 56.95%.