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Company Analysis

Peoples Bancorp Inc. PEBO

A comprehensive view of key metrics, scores, and financial health for Peoples Bancorp Inc.

Overview of Peoples Bancorp Inc.

PEBO NMS
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
Peoples Bancorp Inc. (PEBO), is a Small Cap company, in the Banks - Regional industry, last closed at $38.39, about 6.3% overvalued vs fair value, +33.2% 1Y return, placing in the top 25% of its sector.
Metrics P/E 9.9× Rev Growth 2.3% ROE 9.2% Gross Margin 91.9% Div Yield 5.42%
USD 38.39
-0.16%
(Delayed)
• Vol 90d: 20.7%
52-Week Range
Market Cap
$1.38B
Enterprise Value
$1.92B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Good
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Good
Valuation
Fair
Completeness: 94%
Confidence: 93%
Updated: Oct 24
Top Beats

Quick Facts

Website https://www.peoplesbancorp.com
HQ Marietta, OH
Employees 1,454
Fiscal year Dec 31

Next Events

Dividend Nov 16 Ex-div: Nov 2
Earnings Jan 19 Estimated

Fair Value Snapshot

Bear Base Bull
$20
$36
$67
Current: $38.39 -6% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$514.3M
-1.2%%
Interest Expense
$159.1M
Net Interest Income
$355.2M
1.9%%
Total Revenue
$454.0M
2.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.8%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$59.0M
55.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Peoples Bancorp Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
45
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.34).
  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.38).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
44
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing PEBO's balance between Growth (22.8%), Profitability (39.1%), and Safety (38.0%). Growth 23% Safety 38% Profitability 39%

Click axes to expand details. Marker shows current allocation.

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Growth

33th percentile vs peers
34
Key Signals
Asset Growth YoY 4.3% 48p Equity Growth YoY 8.6% 46p NII Growth YoY 1.9% 20p EPS Growth YoY -9.4% 19p
Strengths
  • Net Interest Margin in top 20% of peers (3.7%, 82th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (1.9%)
  • EPS Growth YoY in bottom 20% of peers (-9.4%)
  • Growth below peer median (percentile: 33)

Profitability

58th percentile vs peers
58
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
57
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Peoples Bancorp Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$35.99
- - -
-6.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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