| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 4/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 6/6 |
PEBO Overview
Peoples Bancorp Inc. operates as the holding company for Peoples Bank that provides commercial and retail banking products and services.
Rewards
Risk Analysis
No risks detected for PEBO from our risk checks.
Peoples Bancorp Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$30.49 |
| 52 Week High | US$18.35 |
| 52 Week Low | US$36.75 |
| Beta | 0.94 |
| 1 Month Change | -2.59% |
| 3 Month Change | 0.30% |
| 1 Year Change | 49.24% |
| 3 Year Change | -17.35% |
| 5 Year Change | 22.84% |
| Change since IPO | 791.25% |
Recent News & Updates
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.
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
| PEBO | US Banks | US Market | |
|---|---|---|---|
| 7D | -1.3% | 0.9% | -0.6% |
| 1Y | 49.2% | 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
| PEBO volatility | |
|---|---|
| PEBO Beta | 0.94 |
| Industry Beta | 1.37 |
| Market Beta | 1 |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1902 | 925 | Chuck Sulerzyski | https://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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/09/19 22:02 |
| End of Day Share Price | 2021/09/17 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
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.