PEOPLES BANCORP INC (PEBO)
US7097891011 - Common Stock
Overall PEBO gets a fundamental rating of 3 out of 10. We evaluated PEBO against 412 industry peers in the Banks industry. PEBO has a medium profitability rating, but doesn't score so well on its financial health evaluation. PEBO has a decent growth rate and is not valued too expensively. PEBO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year PEBO was profitable.
In the past year PEBO had a positive cash flow from operations.
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 better Return On Assets (1.23%) than 79.37% of its industry peers.
PEBO has a better Return On Equity (10.69%) than 65.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 10.69% | ||
| ROIC | N/A |
ROA(3y)1.1%
ROA(5y)1.05%
ROE(3y)9.7%
ROE(5y)8.81%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of PEBO (26.38%) is better than 63.84% of its industry peers.
In the last couple of years the Profit Margin of PEBO has remained more or less at the same level.
PEBO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.38% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y15.81%
PM growth 5Y1.34%
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.
PEBO has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, PEBO has more shares outstanding
Compared to 1 year ago, PEBO has a worse debt to assets ratio.
2.2 Solvency
PEBO has a debt to FCF ratio of 2.58. This is a good value and a sign of high solvency as PEBO would need 2.58 years to pay back of all of its debts.
PEBO has a Debt to FCF ratio (2.58) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.32 indicates that PEBO is not too dependend on debt financing.
PEBO has a worse Debt to Equity ratio (0.32) than 62.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 2.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PEBO shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.67%.
PEBO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.82% yearly.
The Revenue has grown by 28.43% in the past year. This is a very strong growth!
The Revenue has been growing by 18.02% on average over the past years. This is quite good.
EPS 1Y (TTM)-1.67%
EPS 3Y26.35%
EPS 5Y5.82%
EPS growth Q2Q1.05%
Revenue 1Y (TTM)28.43%
Revenue growth 3Y28.19%
Revenue growth 5Y18.02%
Revenue growth Q2Q25.56%
3.2 Future
The Earnings Per Share is expected to grow by 0.17% on average over the next years.
Based on estimates for the next years, PEBO will show a small growth in Revenue. The Revenue will grow by 2.99% on average per year.
EPS Next Y-3.88%
EPS Next 2Y0.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.25%
Revenue Next 2Y2.99%
Revenue Next 3YN/A
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
Based on the Price/Earnings ratio of 8.49, the valuation of PEBO can be described as reasonable.
Based on the Price/Earnings ratio, PEBO is valued a bit cheaper than 68.20% of the companies in the same industry.
PEBO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.28.
Based on the Price/Forward Earnings ratio of 8.84, the valuation of PEBO can be described as reasonable.
73.79% of the companies in the same industry are more expensive than PEBO, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.88, PEBO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.49 | ||
| Fwd PE | 8.84 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PEBO is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.46
EPS Next 2Y0.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PEBO has a Yearly Dividend Yield of 5.33%, which is a nice return.
Compared to an average industry Dividend Yield of 3.81, PEBO pays a better dividend. On top of this PEBO pays more dividend than 87.14% 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 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.33% |
5.2 History
The dividend of PEBO is nicely growing with an annual growth rate of 8.08%!
PEBO has paid a dividend for at least 10 years, which is a reliable track record.
PEBO has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)8.08%
Div Incr Years8
Div Non Decr Years12
5.3 Sustainability
PEBO pays out 46.04% 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.
DP46.04%
EPS Next 2Y0.17%
EPS Next 3YN/A
PEOPLES BANCORP INC
NASDAQ:PEBO (5/3/2024, 7:11:40 PM)
After market: 29.98 0 (0%)29.98
-0.02 (-0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.06B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.33% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
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EPS beat(12)
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EPS beat(16)
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Revenue beat(2)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.49 | ||
| Fwd PE | 8.84 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 10.69% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 26.38% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-1.67%
EPS 3Y26.35%
EPS 5Y
EPS growth Q2Q
EPS Next Y-3.88%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)28.43%
Revenue growth 3Y28.19%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y