PEOPLES BANCORP INC (PEBO) Fundamental Analysis & Valuation

NASDAQ:PEBO • US7097891011

Current stock price

34.31 USD
-0.37 (-1.07%)
At close:
34.31 USD
0 (0%)
After Hours:

This PEBO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. PEBO Profitability Analysis

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.
  • Each year in the past 5 years PEBO had a positive operating cash flow.
PEBO Yearly Net Income VS EBIT VS OCF VS FCFPEBO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • PEBO has a Return On Assets of 1.10%. This is in the better half of the industry: PEBO outperforms 62.63% of its industry peers.
  • PEBO has a Return On Equity (8.77%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.1%
ROE 8.77%
ROIC N/A
ROA(3y)1.19%
ROA(5y)1.13%
ROE(3y)9.97%
ROE(5y)9.67%
ROIC(3y)N/A
ROIC(5y)N/A
PEBO Yearly ROA, ROE, ROICPEBO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • PEBO's Profit Margin of 23.03% is on the low side compared to the rest of the industry. PEBO is outperformed by 61.05% of its industry peers.
  • PEBO's Profit Margin has improved in the last couple of years.
  • PEBO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.03%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.78%
PM growth 5Y6.29%
GM growth 3YN/A
GM growth 5YN/A
PEBO Yearly Profit, Operating, Gross MarginsPEBO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. PEBO Health Analysis

2.1 Basic Checks

  • PEBO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for PEBO has been increased compared to 1 year ago.
  • PEBO has more shares outstanding than it did 5 years ago.
  • PEBO has a worse debt/assets ratio than last year.
PEBO Yearly Shares OutstandingPEBO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
PEBO Yearly Total Debt VS Total AssetsPEBO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • PEBO has a debt to FCF ratio of 1.85. This is a very positive value and a sign of high solvency as it would only need 1.85 years to pay back of all of its debts.
  • PEBO's Debt to FCF ratio of 1.85 is in line compared to the rest of the industry. PEBO outperforms 50.79% of its industry peers.
  • PEBO has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
  • PEBO has a better Debt to Equity ratio (0.08) than 73.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.85
Altman-Z N/A
ROIC/WACCN/A
WACC13.02%
PEBO Yearly LT Debt VS Equity VS FCFPEBO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PEBO Yearly Current Assets VS Current LiabilitesPEBO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. PEBO Growth Analysis

3.1 Past

  • The earnings per share for PEBO have decreased by -9.67% in the last year.
  • The Earnings Per Share has been growing by 11.31% on average over the past years. This is quite good.
  • PEBO shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.05%.
  • Measured over the past years, PEBO shows a quite strong growth in Revenue. The Revenue has been growing by 17.79% on average per year.
EPS 1Y (TTM)-9.67%
EPS 3Y-5.91%
EPS 5Y11.31%
EPS Q2Q%17.11%
Revenue 1Y (TTM)-18.05%
Revenue growth 3Y11.4%
Revenue growth 5Y17.79%
Sales Q2Q%5.1%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.71% on average over the next years. This is quite good.
  • PEBO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.41% yearly.
EPS Next Y15.24%
EPS Next 2Y9.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.85%
Revenue Next 2Y3.41%
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 stable.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PEBO Yearly Revenue VS EstimatesPEBO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
PEBO Yearly EPS VS EstimatesPEBO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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6

4. PEBO Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.47 indicates a reasonable valuation of PEBO.
  • Based on the Price/Earnings ratio, PEBO is valued a bit cheaper than the industry average as 65.26% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 26.78. PEBO is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 9.96, the valuation of PEBO can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PEBO indicates a somewhat cheap valuation: PEBO is cheaper than 66.84% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of PEBO to the average of the S&P500 Index (23.54), we can say PEBO is valued rather cheaply.
Industry RankSector Rank
PE 11.47
Fwd PE 9.96
PEBO Price Earnings VS Forward Price EarningsPEBO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 73.68% of the companies in the same industry are more expensive than PEBO, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.58
EV/EBITDA N/A
PEBO Per share dataPEBO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • PEBO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.75
PEG (5Y)1.01
EPS Next 2Y9.71%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. PEBO Dividend Analysis

5.1 Amount

  • PEBO has a Yearly Dividend Yield of 4.73%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.59, PEBO pays a better dividend. On top of this PEBO pays more dividend than 93.68% 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 1.83.
Industry RankSector Rank
Dividend Yield 4.73%

5.2 History

  • The dividend of PEBO has a limited annual growth rate of 3.94%.
  • 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)3.94%
Div Incr Years10
Div Non Decr Years14
PEBO Yearly Dividends per sharePEBO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 54.95% of the earnings are spent on dividend by PEBO. This is a bit on the high side, but may be sustainable.
  • The dividend of PEBO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP54.95%
EPS Next 2Y9.71%
EPS Next 3YN/A
PEBO Yearly Income VS Free CF VS DividendPEBO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
PEBO Dividend Payout.PEBO Dividend Payout, showing the Payout Ratio.PEBO Dividend Payout.PayoutRetained Earnings

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PEBO Fundamentals: All Metrics, Ratios and Statistics

PEOPLES BANCORP INC

NASDAQ:PEBO (4/10/2026, 8:00:01 PM)

After market: 34.31 0 (0%)

34.31

-0.37 (-1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-21
Inst Owners63.96%
Inst Owner Change0%
Ins Owners3.16%
Ins Owner Change3.88%
Market Cap1.23B
Revenue(TTM)459.31M
Net Income(TTM)105.80M
Analysts73.85
Price Target35.53 (3.56%)
Short Float %3.74%
Short Ratio4.14
Dividend
Industry RankSector Rank
Dividend Yield 4.73%
Yearly Dividend1.64
Dividend Growth(5Y)3.94%
DP54.95%
Div Incr Years10
Div Non Decr Years14
Ex-Date02-02
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.89%
Min EPS beat(2)-1.42%
Max EPS beat(2)-0.36%
EPS beat(4)0
Avg EPS beat(4)-8.86%
Min EPS beat(4)-25.02%
Max EPS beat(4)-0.36%
EPS beat(8)2
Avg EPS beat(8)-4.06%
EPS beat(12)3
Avg EPS beat(12)-3.68%
EPS beat(16)7
Avg EPS beat(16)0.3%
Revenue beat(2)0
Avg Revenue beat(2)-2.84%
Min Revenue beat(2)-3.52%
Max Revenue beat(2)-2.16%
Revenue beat(4)0
Avg Revenue beat(4)-2.21%
Min Revenue beat(4)-3.52%
Max Revenue beat(4)-0.87%
Revenue beat(8)1
Avg Revenue beat(8)-1.4%
Revenue beat(12)3
Avg Revenue beat(12)-1.05%
Revenue beat(16)5
Avg Revenue beat(16)-0.86%
PT rev (1m)0%
PT rev (3m)3.47%
EPS NQ rev (1m)0.16%
EPS NQ rev (3m)0.51%
EPS NY rev (1m)0%
EPS NY rev (3m)0.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.16%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.23%
Valuation
Industry RankSector Rank
PE 11.47
Fwd PE 9.96
P/S 2.68
P/FCF 9.58
P/OCF 9.15
P/B 1.02
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)2.99
EY8.71%
EPS(NY)3.45
Fwd EY10.04%
FCF(TTM)3.58
FCFY10.44%
OCF(TTM)3.75
OCFY10.93%
SpS12.79
BVpS33.59
TBVpS22.64
PEG (NY)0.75
PEG (5Y)1.01
Graham Number47.54
Profitability
Industry RankSector Rank
ROA 1.1%
ROE 8.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.03%
GM N/A
FCFM 28.02%
ROA(3y)1.19%
ROA(5y)1.13%
ROE(3y)9.97%
ROE(5y)9.67%
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 3Y-8.78%
PM growth 5Y6.29%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.85
Debt/EBITDA N/A
Cap/Depr 41.62%
Cap/Sales 1.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 121.65%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.02%
ROIC/WACCN/A
Cap/Depr(3y)200.89%
Cap/Depr(5y)133.84%
Cap/Sales(3y)2%
Cap/Sales(5y)2.16%
Profit Quality(3y)118.22%
Profit Quality(5y)156.79%
High Growth Momentum
Growth
EPS 1Y (TTM)-9.67%
EPS 3Y-5.91%
EPS 5Y11.31%
EPS Q2Q%17.11%
EPS Next Y15.24%
EPS Next 2Y9.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-18.05%
Revenue growth 3Y11.4%
Revenue growth 5Y17.79%
Sales Q2Q%5.1%
Revenue Next Year3.85%
Revenue Next 2Y3.41%
Revenue Next 3YN/A
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 1Y-5.62%
FCF growth 3Y4.43%
FCF growth 5Y9.65%
OCF growth 1Y-5.91%
OCF growth 3Y3.99%
OCF growth 5Y9.52%

PEOPLES BANCORP INC / PEBO Fundamental Analysis FAQ

What is the ChartMill fundamental rating of PEOPLES BANCORP INC (PEBO) stock?

ChartMill assigns a fundamental rating of 4 / 10 to PEBO.


What is the valuation status for PEBO stock?

ChartMill assigns a valuation rating of 6 / 10 to PEOPLES BANCORP INC (PEBO). This can be considered as Fairly Valued.


Can you provide the profitability details for PEOPLES BANCORP INC?

PEOPLES BANCORP INC (PEBO) has a profitability rating of 3 / 10.


What is the valuation of PEOPLES BANCORP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for PEOPLES BANCORP INC (PEBO) is 11.47 and the Price/Book (PB) ratio is 1.02.


Is the dividend of PEOPLES BANCORP INC sustainable?

The dividend rating of PEOPLES BANCORP INC (PEBO) is 8 / 10 and the dividend payout ratio is 54.95%.