PEBO Fundamental Analysis - PEOPLES BANCORP INC

Fundamental Rating

Taking everything into account, PEBO scores 4 out of 10 in our fundamental rating. PEBO was compared to 395 industry peers in the Banks industry. There are concerns on the financial health of PEBO while its profitability can be described as average. PEBO is not valued too expensively and it also shows a decent growth rate. PEBO also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year PEBO was profitable.

PEBO had a positive operating cash flow in the past year.

Each year in the past 5 years PEBO has been profitable.

PEBO had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

PEBO has a Return On Assets of 1.52%. This is amongst the best in the industry. PEBO outperforms 90.15% of its industry peers.

With an excellent Return On Equity value of 12.33%, PEBO belongs to the best of the industry, outperforming 84.09% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.52%
ROE	12.33%
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 25.03% is in line compared to the rest of the industry. PEBO outperforms 57.83% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	25.03%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

The number of shares outstanding for PEBO has been increased compared to 5 years ago.

The debt/assets ratio for PEBO has been reduced compared to a year ago.

2.2 Solvency

PEBO has a debt to FCF ratio of 0.92. This is a very positive value and a sign of high solvency as it would only need 0.92 years to pay back of all of its debts.

PEBO has a Debt to FCF ratio of 0.92. This is in the better half of the industry: PEBO outperforms 75.25% 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.

PEBO has a Debt to Equity ratio of 0.11. This is in the better half of the industry: PEBO outperforms 67.68% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	0.92
Altman-Z	N/A

ROIC/WACCN/A

WACC13.78%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The earnings per share for PEBO have decreased by -5.97% in the last year.

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 strong growth in Revenue. The Revenue has grown by 25.28%.

The Revenue has been growing by 16.92% on average over the past years. This is quite good.

EPS 1Y (TTM)-5.97%

EPS 3Y16.38%

EPS 5Y5.44%

EPS Q2Q%-19.05%

Revenue 1Y (TTM)25.28%

Revenue growth 3Y22.88%

Revenue growth 5Y16.92%

Sales Q2Q%-0.06%

3.2 Future

PEBO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.03% yearly.

The Revenue is expected to grow by 2.90% on average over the next years.

EPS Next Y-4%

EPS Next 2Y1.03%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year2.15%

Revenue Next 2Y2.9%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

PEBO is valuated reasonably with a Price/Earnings ratio of 9.31.

Compared to the rest of the industry, the Price/Earnings ratio of PEBO indicates a rather cheap valuation: PEBO is cheaper than 83.08% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of PEBO to the average of the S&P500 Index (26.25), we can say PEBO is valued rather cheaply.

The Price/Forward Earnings ratio is 8.68, which indicates a very decent valuation of PEBO.

65.40% of the companies in the same industry are more expensive than PEBO, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 22.15. PEBO is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.31
Fwd PE	8.68

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PEBO is valued cheaply inside the industry as 80.56% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	7.76
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.71

EPS Next 2Y1.03%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

PEBO has a Yearly Dividend Yield of 5.55%, which is a nice return.

PEBO's Dividend Yield is rather good when compared to the industry average which is at 3.44. PEBO pays more dividend than 90.66% of the companies in the same industry.

PEBO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	5.55%

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 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

5.3 Sustainability

40.27% of the earnings are spent on dividend by PEBO. This is a bit on the high side, but may be sustainable.

PEBO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP40.27%

EPS Next 2Y1.03%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

PEOPLES BANCORP INC

NASDAQ:PEBO (5/30/2025, 8:25:47 PM)

After market: 29.32 0 (0%)

29.32

-0.25 (-0.85%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-22 2025-04-22/bmo

Earnings (Next)07-21 2025-07-21/bmo

Inst Owners59.72%

Inst Owner Change3.67%

Ins Owners2.99%

Ins Owner Change1.69%

Market Cap1.05B

Analysts73.85

Price Target32.98 (12.48%)

Short Float %2.26%

Short Ratio4.97

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.55%

Yearly Dividend1.58

Dividend Growth(5Y)4.15%

DP40.27%

Div Incr Years9

Div Non Decr Years13

Ex-Date05-05 2025-05-05 (0.41)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-4.81%

Min EPS beat(2)-8.66%

Max EPS beat(2)-0.96%

EPS beat(4)1

Avg EPS beat(4)-2.16%

Min EPS beat(4)-8.66%

Max EPS beat(4)5.85%

EPS beat(8)2

Avg EPS beat(8)-3.43%

EPS beat(12)6

Avg EPS beat(12)0.87%

EPS beat(16)8

Avg EPS beat(16)-7.79%

Revenue beat(2)0

Avg Revenue beat(2)-1.22%

Min Revenue beat(2)-2.28%

Max Revenue beat(2)-0.17%

Revenue beat(4)0

Avg Revenue beat(4)-1.28%

Min Revenue beat(4)-2.5%

Max Revenue beat(4)-0.17%

Revenue beat(8)3

Avg Revenue beat(8)-0.52%

Revenue beat(12)5

Avg Revenue beat(12)-0.34%

Revenue beat(16)5

Avg Revenue beat(16)-0.74%

PT rev (1m)0%

PT rev (3m)-12.42%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-2.88%

EPS NY rev (1m)-2.59%

EPS NY rev (3m)-2.93%

Revenue NQ rev (1m)0.37%

Revenue NQ rev (3m)0.09%

Revenue NY rev (1m)0.16%

Revenue NY rev (3m)-0.19%

Valuation

		Industry Rank	Sector Rank
PE	9.31
Fwd PE	8.68
P/S	1.87
P/FCF	7.76
P/OCF	7.44
P/B	0.92
P/tB	1.42
EV/EBITDA	N/A

EPS(TTM)3.15

EY10.74%

EPS(NY)3.38

Fwd EY11.52%

FCF(TTM)3.78

FCFY12.89%

OCF(TTM)3.94

OCFY13.44%

SpS15.72

BVpS31.92

TBVpS20.69

PEG (NY)N/A

PEG (5Y)1.71

Profitability

		Industry Rank	Sector Rank
ROA	1.52%
ROE	12.33%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.03%
GM	N/A
FCFM	24.05%

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-Score7

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	0.92
Debt/EBITDA	N/A
Cap/Depr	162.21%
Cap/Sales	1.02%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	96.06%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC13.78%

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)-5.97%

EPS 3Y16.38%

EPS 5Y5.44%

EPS Q2Q%-19.05%

EPS Next Y-4%

EPS Next 2Y1.03%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)25.28%

Revenue growth 3Y22.88%

Revenue growth 5Y16.92%

Sales Q2Q%-0.06%

Revenue Next Year2.15%

Revenue Next 2Y2.9%

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-6.81%

FCF growth 3Y-3.06%

FCF growth 5Y16.19%

OCF growth 1Y-7.66%

OCF growth 3Y-2.9%

OCF growth 5Y16.33%

PEOPLES BANCORP INC (PEBO) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens