NasdaqGS:PEBO

Stock Analysis Report

Executive Summary

Peoples Bancorp Inc. operates as the holding company for Peoples Bank that provides commercial and retail banking products and services.

Snowflake

Fundamentals

Flawless balance sheet established dividend payer.


Similar Companies

Share Price & News

How has Peoples Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-4.8%

NasdaqGS:PEBO

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-15.3%

NasdaqGS:PEBO

-16.1%

US Banks

-3.0%

US Market

PEBO matched the Banks industry (-16.1%) over the past year.

PEBO underperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

PEBOIndustryMarket
7 Day-4.8%-1.8%-1.6%
30 Day-5.2%-10.6%-5.8%
90 Day-5.3%-5.0%0.2%
1 Year-11.9%-15.3%-13.7%-16.1%-0.8%-3.0%
3 Year40.5%27.7%37.9%28.5%38.0%29.1%
5 Year47.8%27.0%49.4%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Peoples Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Peoples Bancorp undervalued based on future cash flows and its price relative to the stock market?

29%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Peoples Bancorp's share price is below the future cash flow value, and at a moderate discount (> 20%).

Peoples Bancorp's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Peoples Bancorp is good value based on earnings compared to the US Banks industry average.

Peoples Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Peoples Bancorp is poor value based on expected growth next year.


Price Based on Value of Assets

Peoples Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Peoples Bancorp expected to perform in the next 1 to 3 years based on estimates from 6 analysts?

10.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Peoples Bancorp's revenue is expected to grow by 4.4% yearly, however this is not considered high growth (20% yearly).

Peoples Bancorp's earnings are expected to grow by 10.8% yearly, however this is not considered high growth (20% yearly).

Peoples Bancorp's revenue growth is positive but not above the United States of America market average.

Peoples Bancorp's earnings growth is positive but not above the United States of America market average.

Peoples Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Peoples Bancorp is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Peoples Bancorp performed over the past 5 years?

28.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Peoples Bancorp has delivered over 20% year on year earnings growth in the past 5 years.

Peoples Bancorp's 1-year earnings growth is less than its 5-year average (27.9% vs 28.3%)

Peoples Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (27.9% vs 33.1%).


Return on Equity

Peoples Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Peoples Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Peoples Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Peoples Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Peoples Bancorp has an acceptable proportion of non-loan assets held.

Peoples Bancorp has a sufficient allowance for bad loans.

Peoples Bancorp's liabilities are made up of primarily low risk sources of funding.

Peoples Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Peoples Bancorp are broadly funded by customer deposits.

Peoples Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Peoples Bancorp's current dividend yield, its reliability and sustainability?

4.48%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Peoples Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Peoples Bancorp's dividend is above the markets top 25% of dividend payers in United States of America (3.93%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (2.2x coverage).


Next Steps

Management

What is the CEO of Peoples Bancorp's salary, the management and board of directors tenure and is there insider trading?

3.8yrs

Average management tenure


CEO

Chuck Sulerzyski (61yo)

8.3yrs

Tenure

US$1,399,576

Compensation

Mr. Charles W. Sulerzyski, also known as Chuck, has been the Chief Executive Officer and President of Peoples Bancorp Inc. and Peoples Bank since April 4, 2011. Mr. Sulerzyski served as the President of Gr ...


CEO Compensation Analysis

Chuck's remuneration is lower than average for companies of similar size in United States of America.

Chuck's compensation has increased by more than 20% in the past year whilst earnings grew less than 20%.


Management Age and Tenure

3.8yrs

Average Tenure

59yo

Average Age

The tenure for the Peoples Bancorp management team is about average.


Board Age and Tenure

6.1yrs

Average Tenure

61yo

Average Age

The tenure for the Peoples Bancorp board of directors is about average.


Insider Trading

Peoples Bancorp individual insiders have only sold shares in the past 3 months.


Recent Insider Transactions

SellUS$196,36829 Jul 19
George Broughton
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares6,072
Max PriceUS$32.39
BuyUS$12,03822 May 19
Susan Rector
EntityIndividual
Role
Member of the Board of Directors
Director
Shares366
Max PriceUS$32.89
SellUS$191,50521 May 19
Charles Sulerzyski
EntityIndividual
Role
Chief Executive Officer
President
Shares6,000
Max PriceUS$31.92
SellUS$267,00101 May 19
George Broughton
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares8,184
Max PriceUS$32.94
SellUS$63,00001 May 19
George Broughton
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares2,000
Max PriceUS$31.50
SellUS$63,87929 Apr 19
George Broughton
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares2,000
Max PriceUS$32.06
SellUS$31,97430 Jan 19
George Broughton
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares1,000
Max PriceUS$31.97
SellUS$97,63228 Jan 19
George Broughton
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares3,000
Max PriceUS$32.65
BuyUS$2,06907 Dec 18
S. Beam
EntityIndividual
Role
Member of the Board of Directors
Director
Shares65
Max PriceUS$32.00
SellUS$295,35605 Nov 18
George Broughton
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares8,662
Max PriceUS$34.15

Ownership Breakdown


Management Team

  • Carol Schneeberger (62yo)

    Executive VP & Chief Administrative Officer

    • Tenure: 8.1yrs
    • Compensation: US$507.73k
  • Chuck Sulerzyski (61yo)

    President

    • Tenure: 8.3yrs
    • Compensation: US$1.40m
  • Sandra DeLong

    Vice President of Treasury Management and Public Funds

    • Tenure: 0.0yrs
  • M. Kirkham

    Executive VP

    • Tenure: 0.0yrs
  • John Rogers (59yo)

    Executive VP

    • Tenure: 3.8yrs
    • Compensation: US$602.70k
  • Robyn Stevens (50yo)

    Executive VP & Chief Credit Officer

    • Tenure: 3.2yrs
    • Compensation: US$452.97k
  • Doug Wyatt (57yo)

    Executive VP & Chief Commercial Banking Officer

    • Tenure: 2.3yrs
    • Compensation: US$506.05k
  • Amy Auch

    Assistant Corporate Secretary

    • Tenure: 0.0yrs
  • Anne Gilliland

    Assistant Corporate Secretary

    • Tenure: 0.0yrs
  • David Grossman

    Controller

    • Tenure: 0.0yrs

Board Members

  • Carl Baker (56yo)

    Director Emeritus

    • Tenure: 0.0yrs
    • Compensation: US$9.59k
  • George Broughton (61yo)

    Vice Chairman of the Board

    • Tenure: 6.1yrs
    • Compensation: US$74.22k
  • David Mead (64yo)

    Chairman of the Board

    • Tenure: 3.3yrs
    • Compensation: US$107.61k
  • S. Beam (67yo)

    Director

    • Tenure: 4.4yrs
    • Compensation: US$70.45k
  • Dave Dierker (61yo)

    Director

    • Tenure: 5.2yrs
    • Compensation: US$86.34k
  • Brooke James (46yo)

    Director

    • Tenure: 4.4yrs
    • Compensation: US$74.61k
  • Susan Rector (60yo)

    Director

    • Tenure: 8.0yrs
    • Compensation: US$76.34k
  • Chuck Sulerzyski (61yo)

    President

    • Tenure: 8.3yrs
    • Compensation: US$1.40m
  • Jim Huggins (62yo)

    Director

    • Tenure: 7.5yrs
    • Compensation: US$81.61k
  • Tara Abraham (52yo)

    Director

    • Tenure: 7.3yrs
    • Compensation: US$79.04k

Company Information

Peoples Bancorp Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Peoples Bancorp Inc.
  • Ticker: PEBO
  • Exchange: NasdaqGS
  • Founded: 1902
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$621.113m
  • Shares outstanding: 20.41m
  • Website: https://www.peoplesbancorp.com

Number of Employees


Location

  • Peoples Bancorp Inc.
  • 138 Putnam Street
  • PO Box 738
  • Marietta
  • Ohio
  • 45750
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PEBONasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDDec 1990

Biography

Peoples Bancorp Inc. operates as the holding company for Peoples Bank that provides commercial and retail banking products and services. The company accepts various deposit products, including demand depos ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:44
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.