PEBO

Peoples BancorpNasdaqGS:PEBO Stock Report

Market Cap

US$589.4m

7D

-1.3%

1Y

49.2%

Updated

19 Sep, 2021

Data

Company Financials +
PEBO fundamental analysis
Snowflake Score
Valuation5/6
Future Growth4/6
Past Performance5/6
Financial Health6/6
Dividends6/6

PEBO Overview

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

Peoples Bancorp Competitors

United Bankshares

NasdaqGS:UBSI

US$4.3b

Community Bank System

NYSE:CBU

US$3.6b

First BanCorp

NYSE:FBP

US$2.5b

Live Oak Bancshares

NasdaqGS:LOB

US$2.5b

Price History & Performance

Summary of all time highs, changes and price drops for Peoples Bancorp
Historical stock prices
Current Share PriceUS$30.49
52 Week HighUS$18.35
52 Week LowUS$36.75
Beta0.94
1 Month Change-2.59%
3 Month Change0.30%
1 Year Change49.24%
3 Year Change-17.35%
5 Year Change22.84%
Change since IPO791.25%

Recent News & Updates

Aug 09

Peoples Bancorp: A Solid Yield Today, Positioned For Outperformance Tomorrow

The two recent acquisitions are likely to drive additional earnings power. Current dividend yield of nearly 5% pays investors to be patient while offering a relative floor in the share price. The current valuations appear attractive when juxtaposed against its growth potential.

Jul 23
Peoples Bancorp (NASDAQ:PEBO) Is Increasing Its Dividend To US$0.36

Peoples Bancorp (NASDAQ:PEBO) Is Increasing Its Dividend To US$0.36

Peoples Bancorp Inc. ( NASDAQ:PEBO ) will increase its dividend on the 16th of August to US$0.36. This will take the...

Shareholder Returns

PEBOUS BanksUS Market
7D-1.3%0.9%-0.6%
1Y49.2%63.3%33.8%

Return vs Industry: PEBO underperformed the US Banks industry which returned 63.3% over the past year.

Return vs Market: PEBO exceeded the US Market which returned 33.8% over the past year.

Price Volatility

Is PEBO's price volatile compared to industry and market?
PEBO volatility
PEBO Beta0.94
Industry Beta1.37
Market Beta1

Stable Share Price: PEBO is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: PEBO's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1902925Chuck Sulerzyskihttps://www.peoplesbancorp.com

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 deposit accounts, savings accounts, money market accounts, and certificates of deposit; and provides commercial and industrial, commercial real estate, construction, finance, residential real estate, and consumer indirect and direct loans, as well as home equity lines of credit and overdrafts. It also offers debit and automated teller machine (ATM) cards; safe deposit rental facilities; money orders and cashier’s checks; and telephone, mobile, and Internet-based banking services.

Valuation

Is Peoples Bancorp undervalued compared to its fair value and its price relative to the market?

42.8%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: PEBO ($30.49) is trading below our estimate of fair value ($53.35)

Significantly Below Fair Value: PEBO is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: PEBO is good value based on its PE Ratio (10.5x) compared to the US Banks industry average (10.8x).

PE vs Market: PEBO is good value based on its PE Ratio (10.5x) compared to the US market (17.8x).


Price to Earnings Growth Ratio

PEG Ratio: PEBO is good value based on its PEG Ratio (0.3x)


Price to Book Ratio

PB vs Industry: PEBO's PB Ratio (1x) is in line with the US Banks industry average.


Future Growth

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

37.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: PEBO's forecast earnings growth (37.1% per year) is above the savings rate (2%).

Earnings vs Market: PEBO's earnings (37.1% per year) are forecast to grow faster than the US market (14.8% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: PEBO's revenue (12.6% per year) is forecast to grow faster than the US market (9.8% per year).

High Growth Revenue: PEBO's revenue (12.6% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: PEBO's Return on Equity is forecast to be low in 3 years time (9.8%).


Past Performance

How has Peoples Bancorp performed over the past 5 years?

9.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: PEBO has high quality earnings.

Growing Profit Margin: PEBO's current net profit margins (26.1%) are higher than last year (19.3%).


Past Earnings Growth Analysis

Earnings Trend: PEBO's earnings have grown by 9% per year over the past 5 years.

Accelerating Growth: PEBO's earnings growth over the past year (68%) exceeds its 5-year average (9% per year).

Earnings vs Industry: PEBO earnings growth over the past year (68%) exceeded the Banks industry 36%.


Return on Equity

High ROE: PEBO's Return on Equity (9.6%) is considered low.


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


Financial Institutions Analysis

Asset Level: PEBO's Assets to Equity ratio (8.7x) is low.

Allowance for Bad Loans: PEBO has a sufficient allowance for bad loans (179%).

Low Risk Liabilities: 94% of PEBO's liabilities are made up of primarily low risk sources of funding.

Loan Level: PEBO has an appropriate level of Loans to Assets ratio (66%).

Low Risk Deposits: PEBO's Loans to Deposits ratio (79%) is appropriate.

Level of Bad Loans: PEBO has an appropriate level of bad loans (0.8%).


Dividend

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

4.72%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: PEBO's dividend (4.72%) is higher than the bottom 25% of dividend payers in the US market (1.33%).

High Dividend: PEBO's dividend (4.72%) is in the top 25% of dividend payers in the US market (3.6%)


Stability and Growth of Payments

Stable Dividend: PEBO's dividends per share have been stable in the past 10 years.

Growing Dividend: PEBO's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (49.1%), PEBO's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: PEBO's dividends in 3 years are forecast to be well covered by earnings (46.4% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.9yrs

Average management tenure


CEO

Chuck Sulerzyski (63 yo)

10.42yrs

Tenure

US$1,227,156

Compensation

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


CEO Compensation Analysis

Compensation vs Market: Chuck's total compensation ($USD1.23M) is about average for companies of similar size in the US market ($USD1.68M).

Compensation vs Earnings: Chuck's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: PEBO's management team is considered experienced (2.9 years average tenure).


Board Members

Experienced Board: PEBO's board of directors are considered experienced (6.9 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: PEBO insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Peoples Bancorp Inc.'s 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$589.357m
  • Shares outstanding: 19.33m
  • Website: https://www.peoplesbancorp.com

Number of Employees


Location

  • Peoples Bancorp Inc.
  • 138 Putnam Street
  • PO Box 738
  • Marietta
  • Ohio
  • 45750-0738
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/19 22:02
End of Day Share Price2021/09/17 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.