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PEOPLES BANCORP INC (PEBO) Stock Fundamental Analysis

NASDAQ:PEBO - Nasdaq - US7097891011 - Common Stock - Currency: USD

27.56  -0.29 (-1.04%)

Fundamental Rating

4

Taking everything into account, PEBO scores 4 out of 10 in our fundamental rating. PEBO was compared to 398 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 correct valuation and a medium growth rate. Finally PEBO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year PEBO was profitable.
PEBO had a positive operating cash flow in the past year.
PEBO had positive earnings in each of the past 5 years.
In the past 5 years PEBO always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

PEBO has a Return On Assets of 1.58%. This is amongst the best in the industry. PEBO outperforms 92.46% of its industry peers.
The Return On Equity of PEBO (13.12%) is better than 86.93% of its industry peers.
Industry RankSector Rank
ROA 1.58%
ROE 13.12%
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
PEBO Yearly ROA, ROE, ROICPEBO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of PEBO (26.02%) is better than 65.83% of its industry peers.
PEBO's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for PEBO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.02%
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
PEBO Yearly Profit, Operating, Gross MarginsPEBO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

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.
The debt/assets ratio for PEBO has been reduced compared to a year ago.
PEBO Yearly Shares OutstandingPEBO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
PEBO Yearly Total Debt VS Total AssetsPEBO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

PEBO has a debt to FCF ratio of 0.91. This is a very positive value and a sign of high solvency as it would only need 0.91 years to pay back of all of its debts.
The Debt to FCF ratio of PEBO (0.91) is better than 78.64% of its industry peers.
PEBO has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of PEBO (0.11) is better than 70.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.91
Altman-Z N/A
ROIC/WACCN/A
WACC13.89%
PEBO Yearly LT Debt VS Equity VS FCFPEBO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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4

3. Growth

3.1 Past

PEBO shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.23%.
Measured over the past 5 years, PEBO shows a small growth in Earnings Per Share. The EPS has been growing by 5.44% on average per year.
PEBO shows a strong growth in Revenue. In the last year, the Revenue has grown by 31.29%.
PEBO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.92% yearly.
EPS 1Y (TTM)-6.23%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%-20.83%
Revenue 1Y (TTM)31.29%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%-0.78%

3.2 Future

PEBO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.94% yearly.
The Revenue is expected to grow by 3.31% on average over the next years.
EPS Next Y-1.45%
EPS Next 2Y1.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.27%
Revenue Next 2Y3.31%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
PEBO Yearly Revenue VS EstimatesPEBO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
PEBO Yearly EPS VS EstimatesPEBO Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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6

4. Valuation

4.1 Price/Earnings Ratio

PEBO is valuated reasonably with a Price/Earnings ratio of 8.33.
Compared to the rest of the industry, the Price/Earnings ratio of PEBO indicates a rather cheap valuation: PEBO is cheaper than 84.67% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 28.29. PEBO is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 8.45 indicates a reasonable valuation of PEBO.
Based on the Price/Forward Earnings ratio, PEBO is valued a bit cheaper than 71.86% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, PEBO is valued rather cheaply.
Industry RankSector Rank
PE 8.33
Fwd PE 8.45
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

Based on the Price/Free Cash Flow ratio, PEBO is valued cheaper than 80.90% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.21
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

PEG (NY)N/A
PEG (5Y)1.53
EPS Next 2Y1.94%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

PEBO has a Yearly Dividend Yield of 5.75%, which is a nice return.
Compared to an average industry Dividend Yield of 3.66, PEBO pays a better dividend. On top of this PEBO pays more dividend than 89.70% 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 2.51.
Industry RankSector Rank
Dividend Yield 5.75%

5.2 History

The dividend of PEBO has a limited annual growth rate of 4.15%.
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)4.15%
Div Incr Years9
Div Non Decr Years13
PEBO Yearly Dividends per sharePEBO Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

PEBO pays out 38.28% of its income as dividend. This is a sustainable payout ratio.
PEBO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.28%
EPS Next 2Y1.94%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M
PEBO Dividend Payout.PEBO Dividend Payout, showing the Payout Ratio.PEBO Dividend Payout.PayoutRetained Earnings

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PEOPLES BANCORP INC

NASDAQ:PEBO (4/21/2025, 2:13:09 PM)

27.56

-0.29 (-1.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21 2025-01-21/bmo
Earnings (Next)04-22 2025-04-22/bmo
Inst Owners59.72%
Inst Owner Change0.07%
Ins Owners2.99%
Ins Owner Change0.56%
Market Cap983.07M
Analysts73.85
Price Target36.81 (33.56%)
Short Float %1.62%
Short Ratio3.97
Dividend
Industry RankSector Rank
Dividend Yield 5.75%
Yearly Dividend1.58
Dividend Growth(5Y)4.15%
DP38.28%
Div Incr Years9
Div Non Decr Years13
Ex-Date02-03 2025-02-03 (0.4)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.45%
Min EPS beat(2)-0.96%
Max EPS beat(2)5.85%
EPS beat(4)2
Avg EPS beat(4)0.74%
Min EPS beat(4)-4.88%
Max EPS beat(4)5.85%
EPS beat(8)3
Avg EPS beat(8)-1.1%
EPS beat(12)7
Avg EPS beat(12)3.35%
EPS beat(16)9
Avg EPS beat(16)-6.73%
Revenue beat(2)0
Avg Revenue beat(2)-0.17%
Min Revenue beat(2)-0.18%
Max Revenue beat(2)-0.17%
Revenue beat(4)1
Avg Revenue beat(4)-0.6%
Min Revenue beat(4)-2.5%
Max Revenue beat(4)0.44%
Revenue beat(8)3
Avg Revenue beat(8)-0.47%
Revenue beat(12)5
Avg Revenue beat(12)-0.42%
Revenue beat(16)5
Avg Revenue beat(16)-0.77%
PT rev (1m)-2.26%
PT rev (3m)-3.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)2.55%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)1.74%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)1.25%
Valuation
Industry RankSector Rank
PE 8.33
Fwd PE 8.45
P/S 1.75
P/FCF 7.21
P/OCF 6.87
P/B 0.88
P/tB 1.39
EV/EBITDA N/A
EPS(TTM)3.31
EY12.01%
EPS(NY)3.26
Fwd EY11.84%
FCF(TTM)3.82
FCFY13.87%
OCF(TTM)4.01
OCFY14.57%
SpS15.71
BVpS31.16
TBVpS19.88
PEG (NY)N/A
PEG (5Y)1.53
Profitability
Industry RankSector Rank
ROA 1.58%
ROE 13.12%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.02%
GM N/A
FCFM 24.33%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.91
Debt/EBITDA N/A
Cap/Depr 194.14%
Cap/Sales 1.22%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 93.49%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.89%
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)-6.23%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%-20.83%
EPS Next Y-1.45%
EPS Next 2Y1.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)31.29%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%-0.78%
Revenue Next Year2.27%
Revenue Next 2Y3.31%
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 1Y4.75%
FCF growth 3Y-3.06%
FCF growth 5Y16.19%
OCF growth 1Y-0.32%
OCF growth 3Y-2.9%
OCF growth 5Y16.33%