Peoples Bancorp Inc. PEBO

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
45/100
Developing

Ranked against 399 peers in Banks - Regional

About Peoples Bancorp Inc.

Peoples Bancorp Inc. operates as the financial holding company for Peoples Bank that provides commercial and consumer banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, certificates of deposit, and governmental deposits; and provides commercial and industrial, commercial real estate, construction, finance, residential real estate, and consumer indirect and direct … Full PEBO 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

Where PEBO ranks in Banks - Regional

Peoples Bancorp Inc. ranks #241 of 393 scored companies in Banks - Regional by moat score — the top 61%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
237 Columbia Banking System, Inc. COLB 45/100 Developing
238 Old Second Bancorp, Inc. OSBC 45/100 Developing
239 First National Corporation FXNC 45/100 Developing
240 Customers Bancorp, Inc CUBI 45/100 Developing
241 Peoples Bancorp Inc. PEBO 45/100 Developing
242 BankUnited, Inc. BKU 44/100 Developing
243 First Savings Financial Group, FSFG 44/100 Developing
244 Richmond Mutual Bancorporation, RMBI 44/100 Developing
245 FB Financial Corporation FBK 44/100 Developing

See every Banks & Lenders company ranked by moat score →

How PEBO scores on the Bank Specialized defenses

Deposit Franchise

Score 44 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 56 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 38 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 48 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 26 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 61 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding PEBO's moat

What is Peoples Bancorp Inc.'s moat score?

Peoples Bancorp Inc. (PEBO) scores 45 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #241 of 393 scored companies in Banks - Regional, the top 61%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Risk Management (61/100) and its weakest is Revenue Diversification (26/100).

How does Peoples Bancorp Inc. compare with other Banks - Regional companies?

Peoples Bancorp Inc. ranks #241 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Customers Bancorp, Inc (CUBI) at 45 just above it and BankUnited, Inc. (BKU) at 44 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Peoples Bancorp Inc. scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Peoples Bancorp Inc.?

The Bank Specialized template measures 6 defenses, and PEBO scores: Deposit Franchise (44), Lending Advantage (56), Capital Strength (38), Cost Discipline (48), Revenue Diversification (26), Risk Management (61). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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