PEOPLES BANCORP INC (PEBO) Stock Fundamental Analysis
USA - NASDAQ:PEBO - US7097891011 - Common Stock
30.11 USD
+1.05 (+3.61%)
30.11 USD
0 (0%)
Overall PEBO gets a fundamental rating of 4 out of 10. We evaluated PEBO against 390 industry peers in the Banks industry. PEBO may be in some trouble as it scores bad on both profitability and health. PEBO is valued correctly, but it does not seem to be growing. PEBO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
PEBO had positive earnings in the past year.
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
With a decent Return On Assets value of 1.08%, PEBO is doing good in the industry, outperforming 72.63% of the companies in the same industry.
With a Return On Equity value of 8.94%, PEBO perfoms like the industry average, outperforming 55.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.08% | ||
| ROE | 8.94% | ||
| 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 has a Profit Margin (22.81%) which is in line with its industry peers.
PEBO's Profit Margin has been stable 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.81% | ||
| 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.
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.
PEBO has a better debt/assets ratio than last year.
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.
The Debt to FCF ratio of PEBO (0.92) is better than 71.10% 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.
Looking at the Debt to Equity ratio, with a value of 0.11, PEBO is in the better half of the industry, outperforming 67.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.54%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for PEBO have decreased strongly by -16.52% in the last year.
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.
The Revenue has been growing slightly by 4.99% in the past year.
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)-16.52%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%1.12%
Revenue 1Y (TTM)4.99%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%1.3%
3.2 Future
PEBO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.98% yearly.
The Revenue is expected to grow by 3.37% on average over the next years.
EPS Next Y-9.52%
EPS Next 2Y1.18%
EPS Next 3Y0.98%
EPS Next 5YN/A
Revenue Next Year3.29%
Revenue Next 2Y3.37%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
PEBO is valuated reasonably with a Price/Earnings ratio of 10.28.
Compared to the rest of the industry, the Price/Earnings ratio of PEBO indicates a somewhat cheap valuation: PEBO is cheaper than 71.36% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.89. PEBO is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.89, the valuation of PEBO can be described as reasonable.
Based on the Price/Forward Earnings ratio, PEBO is valued a bit cheaper than the industry average as 70.33% of the companies are valued more expensively.
PEBO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.28 | ||
| Fwd PE | 8.89 |
4.2 Price Multiples
86.96% of the companies in the same industry are more expensive than PEBO, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.98 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.89
EPS Next 2Y1.18%
EPS Next 3Y0.98%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.64%, PEBO is a good candidate for dividend investing.
PEBO's Dividend Yield is rather good when compared to the industry average which is at 3.53. PEBO pays more dividend than 88.49% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, PEBO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.64% |
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
PEBO pays out 55.05% of its income as dividend. 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.
DP55.05%
EPS Next 2Y1.18%
EPS Next 3Y0.98%
30.11
+1.05 (+3.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners61.26%
Inst Owner Change0.19%
Ins Owners3.02%
Ins Owner Change0.49%
Market Cap1.07B
Revenue(TTM)448.07M
Net Income(TTM)103.16M
Analysts73.85
Price Target34.85 (15.74%)
Short Float %2.5%
Short Ratio5.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.64% |
Yearly Dividend1.58
Dividend Growth(5Y)4.15%
DP55.05%
Div Incr Years9
Div Non Decr Years13
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-16.84%
Min EPS beat(2)-25.02%
Max EPS beat(2)-8.66%
EPS beat(4)1
Avg EPS beat(4)-7.19%
Min EPS beat(4)-25.02%
Max EPS beat(4)5.85%
EPS beat(8)2
Avg EPS beat(8)-4.48%
EPS beat(12)5
Avg EPS beat(12)-2.71%
EPS beat(16)8
Avg EPS beat(16)-7.91%
Revenue beat(2)0
Avg Revenue beat(2)-1.57%
Min Revenue beat(2)-2.28%
Max Revenue beat(2)-0.87%
Revenue beat(4)0
Avg Revenue beat(4)-0.87%
Min Revenue beat(4)-2.28%
Max Revenue beat(4)-0.17%
Revenue beat(8)2
Avg Revenue beat(8)-0.89%
Revenue beat(12)4
Avg Revenue beat(12)-0.45%
Revenue beat(16)5
Avg Revenue beat(16)-0.77%
PT rev (1m)0%
PT rev (3m)3.54%
EPS NQ rev (1m)-0.52%
EPS NQ rev (3m)-1.03%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)-5.75%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.28 | ||
| Fwd PE | 8.89 | ||
| P/S | 2.38 | ||
| P/FCF | 6.98 | ||
| P/OCF | 6.75 | ||
| P/B | 0.93 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.93
EY9.73%
EPS(NY)3.39
Fwd EY11.25%
FCF(TTM)4.31
FCFY14.32%
OCF(TTM)4.46
OCFY14.81%
SpS12.68
BVpS32.33
TBVpS21.18
PEG (NY)N/A
PEG (5Y)1.89
Graham Number46.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.08% | ||
| ROE | 8.94% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.81% | ||
| GM | N/A | ||
| FCFM | 34.01% |
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-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.92 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 150.23% | ||
| Cap/Sales | 1.17% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 149.07% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC13.54%
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)-16.52%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%1.12%
EPS Next Y-9.52%
EPS Next 2Y1.18%
EPS Next 3Y0.98%
EPS Next 5YN/A
Revenue 1Y (TTM)4.99%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%1.3%
Revenue Next Year3.29%
Revenue Next 2Y3.37%
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 1Y40.04%
FCF growth 3Y-3.06%
FCF growth 5Y16.19%
OCF growth 1Y32.21%
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 4 / 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 -9.52% 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 55.05%.