PEOPLES BANCORP INC (PEBO) Stock Fundamental Analysis
NASDAQ:PEBO - US7097891011 - Common Stock
30.63 USD
-0.16 (-0.52%)
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. PEBO may be in some trouble as it scores bad on both profitability and health. PEBO has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally PEBO also has an excellent dividend rating.
1. Profitability
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.
1.2 Ratios
PEBO's Return On Assets of 1.08% is fine compared to the rest of the industry. PEBO outperforms 72.66% of its industry peers.
PEBO has a Return On Equity of 8.94%. This is comparable to the rest of the industry: PEBO outperforms 55.95% of its industry peers.
| 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's Profit Margin of 22.81% is in line compared to the rest of the industry. PEBO outperforms 47.34% of 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
The Debt to FCF ratio of PEBO is 0.92, which is an excellent value as it means it would take PEBO, only 0.92 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of PEBO (0.92) is better than 72.66% 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 better Debt to Equity ratio (0.11) than 67.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PEBO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.05%.
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 for PEBO has decreased by -19.86% in the past year. This is quite bad
Measured over the past years, PEBO shows a quite strong growth in Revenue. The Revenue has been growing by 16.92% on average per year.
EPS 1Y (TTM)-17.05%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%-28.05%
Revenue 1Y (TTM)-19.86%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%3.75%
3.2 Future
Based on estimates for the next years, PEBO will show a small growth in Earnings Per Share. The EPS will grow by 1.18% on average per year.
Based on estimates for the next years, PEBO will show a small growth in Revenue. The Revenue will grow by 3.37% on average per year.
EPS Next Y-9.45%
EPS Next 2Y1.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.29%
Revenue Next 2Y3.37%
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
A Price/Earnings ratio of 10.49 indicates a reasonable valuation of PEBO.
PEBO's Price/Earnings ratio is a bit cheaper when compared to the industry. PEBO is cheaper than 77.97% of the companies in the same industry.
When comparing the Price/Earnings ratio of PEBO to the average of the S&P500 Index (26.90), we can say PEBO is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.04, 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 71.90% of the companies listed in the same industry.
PEBO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.52.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 9.04 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PEBO is valued cheaply inside the industry as 87.09% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.11 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.93
EPS Next 2Y1.18%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PEBO has a Yearly Dividend Yield of 5.28%, which is a nice return.
PEBO's Dividend Yield is rather good when compared to the industry average which is at 3.17. PEBO pays more dividend than 91.14% of the companies in the same industry.
PEBO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.28% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.15%
Div Incr Years9
Div Non Decr Years13
5.3 Sustainability
55.05% 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.
DP55.05%
EPS Next 2Y1.18%
EPS Next 3YN/A
NASDAQ:PEBO (9/3/2025, 11:20:04 AM)
30.63
-0.16 (-0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners60.89%
Inst Owner Change1.12%
Ins Owners3.02%
Ins Owner Change0.46%
Market Cap1.09B
Analysts73.85
Price Target34.85 (13.78%)
Short Float %2.23%
Short Ratio3.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.28% |
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)3.54%
PT rev (3m)5.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.97%
EPS NY rev (1m)-5.68%
EPS NY rev (3m)-5.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.48%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 9.04 | ||
| P/S | 2.42 | ||
| P/FCF | 7.11 | ||
| P/OCF | 6.87 | ||
| P/B | 0.95 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.92
EY9.53%
EPS(NY)3.39
Fwd EY11.06%
FCF(TTM)4.31
FCFY14.07%
OCF(TTM)4.46
OCFY14.56%
SpS12.68
BVpS32.33
TBVpS21.18
PEG (NY)N/A
PEG (5Y)1.93
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
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 Turnover0.05
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
WACC13.63%
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)-17.05%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%-28.05%
EPS Next Y-9.45%
EPS Next 2Y1.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-19.86%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%3.75%
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%