30.03 USD
-0.23 (-0.76%)
30.03 USD
0 (0%)
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 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.
In the past year PEBO had a positive cash flow from operations.
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 1.05%. This is in the better half of the industry: PEBO outperforms 65.21% of its industry peers.
PEBO has a Return On Equity of 8.54%. This is comparable to the rest of the industry: PEBO outperforms 47.16% of 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 of 22.26%. This is comparable to the rest of the industry: PEBO outperforms 41.49% of its industry peers.
In the last couple of years the Profit Margin of PEBO has remained more or less at the same level.
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
PEBO has a better debt/assets ratio than last year.
2.2 Solvency
PEBO has a debt to FCF ratio of 2.89. This is a good value and a sign of high solvency as PEBO would need 2.89 years to pay back of all of its debts.
PEBO has a Debt to FCF ratio of 2.89. This is in the lower half of the industry: PEBO underperforms 61.60% 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.
The Debt to Equity ratio of PEBO (0.09) is better than 70.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 2.89 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.56%
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 -18.52% in the last year.
The Earnings Per Share has been growing slightly by 5.44% on average over the past years.
The Revenue for PEBO has decreased by -19.19% in the past year. This is quite bad
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
PEBO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.72% yearly.
PEBO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.16% yearly.
EPS Next Y-8.04%
EPS Next 2Y1.84%
EPS Next 3Y2.72%
EPS Next 5YN/A
Revenue Next Year3.26%
Revenue Next 2Y2.93%
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
The Price/Earnings ratio is 10.50, which indicates a very decent valuation of PEBO.
73.97% of the companies in the same industry are more expensive than PEBO, based on the Price/Earnings ratio.
PEBO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
Based on the Price/Forward Earnings ratio of 8.75, the valuation of PEBO can be described as reasonable.
PEBO's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. PEBO is cheaper than 79.38% of the companies in the same industry.
PEBO is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.5 | ||
| Fwd PE | 8.75 |
4.2 Price Multiples
PEBO's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PEBO is cheaper than 78.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.05 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.93
EPS Next 2Y1.84%
EPS Next 3Y2.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.35%, PEBO is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.74, PEBO pays a better dividend. On top of this PEBO pays more dividend than 91.24% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, PEBO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.35% |
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
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.
PEBO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP56.95%
EPS Next 2Y1.84%
EPS Next 3Y2.72%
30.03
-0.23 (-0.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners60.92%
Inst Owner Change-0.54%
Ins Owners3.03%
Ins Owner Change0.66%
Market Cap1.07B
Revenue(TTM)453.61M
Net Income(TTM)100.97M
Analysts73.85
Price Target34.34 (14.35%)
Short Float %2.56%
Short Ratio4.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.35% |
Yearly Dividend1.58
Dividend Growth(5Y)4.15%
DP56.95%
Div Incr Years9
Div Non Decr Years13
Ex-DateN/A
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)1.76%
PT rev (3m)-1.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.86%
EPS NY rev (1m)0%
EPS NY rev (3m)1.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.5 | ||
| Fwd PE | 8.75 | ||
| P/S | 2.36 | ||
| P/FCF | 8.05 | ||
| P/OCF | 7.69 | ||
| P/B | 0.91 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.86
EY9.52%
EPS(NY)3.43
Fwd EY11.43%
FCF(TTM)3.73
FCFY12.43%
OCF(TTM)3.9
OCFY13%
SpS12.71
BVpS33.13
TBVpS22.05
PEG (NY)N/A
PEG (5Y)1.93
Graham Number46.17
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
WACC13.56%
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 2Y2.93%
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 for 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 are the PE and PB ratios of PEOPLES BANCORP INC (PEBO) stock?
The Price/Earnings (PE) ratio for PEOPLES BANCORP INC (PEBO) is 10.5 and the Price/Book (PB) ratio is 0.91.
Can you provide the financial health for PEBO stock?
The financial health rating of PEOPLES BANCORP INC (PEBO) is 2 / 10.