29.41 USD
+0.9 (+3.16%)
29.39 USD
-0.02 (-0.07%)
We assign a fundamental rating of 3 out of 10 to PEBO. PEBO was compared to 388 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 it does not seem to be growing. Finally 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.
In the past 5 years PEBO has always been profitable.
PEBO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PEBO's Return On Assets of 1.05% is fine compared to the rest of the industry. PEBO outperforms 65.55% of its industry peers.
PEBO has a Return On Equity (8.54%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 8.54% | ||
| 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 (22.26%) 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) | 22.26% | ||
| 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.
Compared to 5 years ago, PEBO has more shares outstanding
Compared to 1 year ago, PEBO has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of PEBO is 2.89, which is a good value as it means it would take PEBO, 2.89 years of fcf income to pay off all of its debts.
PEBO's Debt to FCF ratio of 2.89 is in line compared to the rest of the industry. PEBO outperforms 40.10% of its industry peers.
PEBO has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
PEBO's Debt to Equity ratio of 0.09 is fine compared to the rest of the industry. PEBO outperforms 70.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 2.89 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.52%
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 -18.52%.
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 very negative growth in Revenue. In the last year, the Revenue has decreased by -19.19%.
The Revenue has been growing by 16.92% on average over the past years. This is quite good.
EPS 1Y (TTM)-18.52%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%-6.74%
Revenue 1Y (TTM)-19.19%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%1.29%
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 2.72% on average per year.
Based on estimates for the next years, PEBO will show a small growth in Revenue. The Revenue will grow by 3.16% on average per year.
EPS Next Y-8.04%
EPS Next 2Y1.84%
EPS Next 3Y2.72%
EPS Next 5YN/A
Revenue Next Year3.26%
Revenue Next 2Y3.16%
Revenue Next 3Y3.16%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.28, the valuation of PEBO can be described as reasonable.
Based on the Price/Earnings ratio, PEBO is valued a bit cheaper than 69.67% of the companies in the same industry.
PEBO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.45.
PEBO is valuated reasonably with a Price/Forward Earnings ratio of 8.57.
72.75% of the companies in the same industry are more expensive than PEBO, based on the Price/Forward Earnings ratio.
PEBO is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.28 | ||
| Fwd PE | 8.57 |
4.2 Price Multiples
79.69% 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 | 7.87 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.89
EPS Next 2Y1.84%
EPS Next 3Y2.72%
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 3.35, PEBO pays a better dividend. On top of this PEBO pays more dividend than 92.29% 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 2.42.
| Industry Rank | Sector 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 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
56.95% 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 the earnings are growing slower. This means the dividend growth is not sustainable.
DP56.95%
EPS Next 2Y1.84%
EPS Next 3Y2.72%
29.41
+0.9 (+3.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners61.26%
Inst Owner Change-82.82%
Ins Owners3.02%
Ins Owner Change0.7%
Market Cap1.05B
Revenue(TTM)453.61M
Net Income(TTM)100.97M
Analysts73.85
Price Target33.74 (14.72%)
Short Float %2.64%
Short Ratio5.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.75% |
Yearly Dividend1.58
Dividend Growth(5Y)4.15%
DP56.95%
Div Incr Years9
Div Non Decr Years13
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-13.22%
Min EPS beat(2)-25.02%
Max EPS beat(2)-1.42%
EPS beat(4)0
Avg EPS beat(4)-9.01%
Min EPS beat(4)-25.02%
Max EPS beat(4)-0.96%
EPS beat(8)2
Avg EPS beat(8)-4.21%
EPS beat(12)4
Avg EPS beat(12)-3.57%
EPS beat(16)8
Avg EPS beat(16)2.79%
Revenue beat(2)0
Avg Revenue beat(2)-2.2%
Min Revenue beat(2)-3.52%
Max Revenue beat(2)-0.87%
Revenue beat(4)0
Avg Revenue beat(4)-1.71%
Min Revenue beat(4)-3.52%
Max Revenue beat(4)-0.17%
Revenue beat(8)1
Avg Revenue beat(8)-1.56%
Revenue beat(12)3
Avg Revenue beat(12)-0.96%
Revenue beat(16)5
Avg Revenue beat(16)-0.77%
PT rev (1m)-3.17%
PT rev (3m)-3.17%
EPS NQ rev (1m)4.86%
EPS NQ rev (3m)4.86%
EPS NY rev (1m)1.63%
EPS NY rev (3m)1.56%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)0.05%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.28 | ||
| Fwd PE | 8.57 | ||
| P/S | 2.31 | ||
| P/FCF | 7.87 | ||
| P/OCF | 7.53 | ||
| P/B | 0.89 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.86
EY9.72%
EPS(NY)3.43
Fwd EY11.67%
FCF(TTM)3.74
FCFY12.7%
OCF(TTM)3.91
OCFY13.28%
SpS12.72
BVpS33.16
TBVpS22.07
PEG (NY)N/A
PEG (5Y)1.89
Graham Number46.19
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 8.54% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.26% | ||
| GM | N/A | ||
| FCFM | 29.38% |
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-Score5
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 2.89 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 173.85% | ||
| Cap/Sales | 1.35% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 131.97% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC13.52%
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)-18.52%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%-6.74%
EPS Next Y-8.04%
EPS Next 2Y1.84%
EPS Next 3Y2.72%
EPS Next 5YN/A
Revenue 1Y (TTM)-19.19%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%1.29%
Revenue Next Year3.26%
Revenue Next 2Y3.16%
Revenue Next 3Y3.16%
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 1Y11.04%
FCF growth 3Y-3.06%
FCF growth 5Y16.19%
OCF growth 1Y6.87%
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 3 / 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 -8.04% 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 56.95%.