OTCPK:PEBC

Stock Analysis Report

Executive Summary

Peoples Bancorp, Inc. operates as the holding company for The Peoples Bank that provides various financial services to consumer and commercial customers in Kent County, northern Queen Anne’s County, and southern Cecil County, Maryland.


Snowflake Analysis

Weak fundamentals or lack of information.


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

Stable Share Price: PEBC's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

0%

PEBC

9.4%

US Banks

9.9%

US Market


1 Year Return

n/a

PEBC

-25.1%

US Banks

-11.9%

US Market

Return vs Industry: Insufficient data to determine how PEBC performed against the US Banks industry.

Return vs Market: Insufficient data to determine how PEBC performed against the US Market.


Shareholder returns

PEBCIndustryMarket
7 Day0%9.4%9.9%
30 Day-24.7%-26.0%-15.0%
90 Day-25.1%-38.6%-21.5%
1 Yearn/a-22.9%-25.1%-10.0%-11.9%
3 Yearn/a-17.2%-23.3%12.3%5.1%
5 Year96.4%83.1%11.6%-1.1%32.5%18.1%

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

No news available

Valuation

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


In this section, we usually try to help investors determine whether Peoples Bancorp is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Peoples Bancorp has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of PEBC’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Peoples Bancorp regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Peoples Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

-1.1%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Peoples Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of PEBC’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Peoples Bancorp's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Peoples Bancorp performed over the past 5 years?

16.3%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Peoples Bancorp has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at Peoples Bancorp's' management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Peoples Bancorp's filings and announcements here.
  • Explore strong past performing companies in the Banks industry.

Financial Health

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


In this section we usually analyse Peoples Bancorp's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Peoples Bancorp has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of PEBC’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Peoples Bancorp's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

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


Dividend Yield vs Market

Notable Dividend: Unable to evaluate PEBC's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate PEBC's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if PEBC's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if PEBC's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: PEBC is not paying a notable dividend for the US market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of PEBC's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

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

22.3yrs

Average board tenure


CEO

Ralph Dowling

7.42s

Tenure

Mr. Ralph W. Dowling serves as Chief Executive Officer and President at Peoples Bancorp, Inc. and Peoples Bank. Mr. Dowling has been a Director of Peoples Bancorp, Inc and Peoples Bank since May 31, 2017. 


Board Members

NamePositionTenureCompensationOwnership
William Wheatley
Chairmanno dataUS$100.68kno data
Ralph Dowling
President7.42yrsno datano data
Elizabeth Strong
Independent Director23yrsUS$14.62kno data
Stefan Skipp
Independent Director23yrsUS$12.62kno data
Gary Fellows
Independent Director22.25yrsUS$14.78kno data
LaMonte Cooke
Independent Director22.25yrsUS$13.78kno data
Robert Clark
Independent Director22.25yrsUS$14.80kno data
E. Anthony
Independent Directorno dataUS$19.98kno data
E. Owens
Chairman Emeritusno dataUS$5.16kno data
Robert Davis
Director5.17yrsno datano data

22.3yrs

Average Tenure

69.5yo

Average Age

Experienced Board: PEBC's board of directors are seasoned and experienced ( 22.3 years average tenure).


Ownership

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


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.


Top Shareholders

Company Information

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


Key Information

  • Name: Peoples Bancorp, Inc.
  • Ticker: PEBC
  • Exchange: OTCPK
  • Founded: 1910
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$18.952m
  • Shares outstanding: 728.92k
  • Website: https://www.pbkc.com

Location

  • Peoples Bancorp, Inc.
  • 100 Spring Avenue
  • PO Box 210
  • Chestertown
  • Maryland
  • 21620
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PEBCOTCPK (Pink Sheets LLC)YesCommon StockUSUSDAug 2007

Biography

Peoples Bancorp, Inc. operates as the holding company for The Peoples Bank that provides various financial services to consumer and commercial customers in Kent County, northern Queen Anne’s County, and southern Cecil County, Maryland. It accepts various deposit products, such as checking accounts, NOW accounts, savings accounts, and other time deposits of various types ranging from daily money market accounts to longer-term certificates of deposit. The company’s loan portfolio comprises secured and unsecured loans for working capital, including inventory and receivables; business expansion loans comprising acquisition of real estate and improvements; loans for purchase of equipment and machinery; secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; and mortgage and real estate construction and acquisition loans. It also provides cash management services, safe deposit boxes, travelers checks, Internet banking, direct deposit of payroll and social security checks, automatic drafts for various accounts, automated teller machine services, credit card services, and insurance and securities products, as well as retirement account services, such as individual retirements accounts. The company operates through five branches located in Kent County, Maryland; and two branches in Queen Anne’s County, Maryland. Peoples Bancorp, Inc. was founded in 1910 and is based in Chestertown, Maryland. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/03/29 01:23
End of Day Share Price2020/03/20 00:00
Earnings2012/03/31
Annual Earnings2011/12/31


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.