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PEBO

Peoples Bancorp NasdaqGS:PEBO Stock Report

Last Price

US$26.70

Market Cap

US$759.7m

7D

-2.0%

1Y

-17.8%

Updated

19 May, 2022

Data

Company Financials +
PEBO fundamental analysis
Snowflake Score
Valuation4/6
Future Growth3/6
Past Performance2/6
Financial Health6/6
Dividends6/6

PEBO Stock Overview

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

Peoples Bancorp Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Peoples Bancorp
Historical stock prices
Current Share PriceUS$26.70
52 Week HighUS$34.63
52 Week LowUS$26.56
Beta0.85
1 Month Change-13.31%
3 Month Change-17.36%
1 Year Change-17.80%
3 Year Change-15.24%
5 Year Change-13.48%
Change since IPO680.46%

Recent News & Updates

Apr 29
Peoples Bancorp's (NASDAQ:PEBO) Upcoming Dividend Will Be Larger Than Last Year's

Peoples Bancorp's (NASDAQ:PEBO) Upcoming Dividend Will Be Larger Than Last Year's

Peoples Bancorp Inc. ( NASDAQ:PEBO ) has announced that it will be increasing its dividend on the 23rd of May to...

Shareholder Returns

PEBOUS BanksUS Market
7D-2.0%0.06%0.1%
1Y-17.8%-18.6%-12.7%

Return vs Industry: PEBO matched the US Banks industry which returned -18.2% over the past year.

Return vs Market: PEBO underperformed the US Market which returned -11.5% over the past year.

Price Volatility

Is PEBO's price volatile compared to industry and market?
PEBO volatility
PEBO Average Weekly Movement3.8%
Banks Industry Average Movement4.0%
Market Average Movement8.0%
10% most volatile stocks in US Market17.0%
10% least volatile stocks in US Market3.0%

Stable Share Price: PEBO is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: PEBO's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19021,188Chuck 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.

Peoples Bancorp Fundamentals Summary

How do Peoples Bancorp's earnings and revenue compare to its market cap?
PEBO fundamental statistics
Market CapUS$759.66m
Earnings (TTM)US$55.35m
Revenue (TTM)US$264.64m

13.5x

P/E Ratio

0.9x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
PEBO income statement (TTM)
RevenueUS$264.64m
Cost of RevenueUS$4.41m
Gross ProfitUS$260.24m
Other ExpensesUS$204.89m
EarningsUS$55.35m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)1.98
Gross Margin98.33%
Net Profit Margin20.91%
Debt/Equity Ratio44.2%

How did PEBO perform over the long term?

See historical performance and comparison

Dividends

5.7%

Current Dividend Yield

63%

Payout Ratio

Valuation

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

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


>50%

Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: PEBO ($26.7) is trading below our estimate of fair value ($72.92)

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


Price To Earnings Ratio

PE vs Industry: PEBO is poor value based on its PE Ratio (13.5x) compared to the US Banks industry average (9.7x).

PE vs Market: PEBO is good value based on its PE Ratio (13.5x) compared to the US market (15.5x).


Price to Earnings Growth Ratio

PEG Ratio: PEBO is poor value based on its PEG Ratio (1x)


Price to Book Ratio

PB vs Industry: PEBO is good value based on its PB Ratio (0.9x) compared to the US Banks industry average (1.1x).


Future Growth

How is Peoples Bancorp forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?

Future Growth Score

3/6

Future Growth Score 3/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


13.4%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: PEBO's forecast earnings growth (13.4% per year) is above the savings rate (1.9%).

Earnings vs Market: PEBO's earnings (13.4% per year) are forecast to grow faster than the US market (12.4% per year).

High Growth Earnings: PEBO's earnings are forecast to grow, but not significantly.

Revenue vs Market: PEBO's revenue (10.1% per year) is forecast to grow faster than the US market (7.8% per year).

High Growth Revenue: PEBO's revenue (10.1% 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 (10.8%).


Past Performance

How has Peoples Bancorp performed over the past 5 years?

Past Performance Score

2/6

Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


5.3%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: PEBO has a large one-off loss of $21.7M impacting its March 31 2022 financial results.

Growing Profit Margin: PEBO's current net profit margins (20.9%) are lower than last year (25.4%).


Past Earnings Growth Analysis

Earnings Trend: PEBO's earnings have grown by 5.3% per year over the past 5 years.

Accelerating Growth: PEBO's earnings growth over the past year (9.3%) exceeds its 5-year average (5.3% per year).

Earnings vs Industry: PEBO earnings growth over the past year (9.3%) underperformed the Banks industry 20.9%.


Return on Equity

High ROE: PEBO's Return on Equity (6.9%) is considered low.


Financial Health

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

Financial Health Score

6/6

Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: PEBO's Assets to Equity ratio (9x) is low.

Allowance for Bad Loans: PEBO has a sufficient allowance for bad loans (144%).

Low Risk Liabilities: 93% 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 (62%).

Low Risk Deposits: PEBO's Loans to Deposits ratio (75%) 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?

Dividend Score

6/6

Dividend Score 6/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


5.69%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: PEBO's dividend (5.69%) is higher than the bottom 25% of dividend payers in the US market (1.57%).

High Dividend: PEBO's dividend (5.69%) is in the top 25% of dividend payers in the US market (4.07%)


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

Earnings Coverage: With its reasonable payout ratio (63.3%), PEBO's dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: PEBO's dividends in 3 years are forecast to be well covered by earnings (44.9% payout ratio).


Discover strong dividend paying companies

Management

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

2.0yrs

Average management tenure


CEO

Chuck Sulerzyski (64 yo)

11.08yrs

Tenure

US$1,461,456

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 ($USD1.46M) is below average for companies of similar size in the US market ($USD3.83M).

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 not considered experienced ( 2 years average tenure), which suggests a new team.


Board Members

Experienced Board: PEBO's board of directors are considered experienced (7.5 years average tenure).


Ownership

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


Insider Trading Volume

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


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 44.5%.


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
  • Implied Market Cap: US$759.661m
  • Shares outstanding: 27.94m
  • 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 Analysis2022/05/19 00:00
End of Day Share Price2022/05/19 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.