PEBC Stock Overview

Operates as the holding company for The Peoples Bank that provides various banking products and services to individuals, small businesses, associations, and government entities in Kent, Cecil, Queen Anne's, and Talbot Counties, Maryland. More details

PEBC fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	2/6

Rewards

Trading at 11.4% below our estimate of its fair value

Earnings grew by 47.1% over the past year

Risk Analysis

Shares are highly illiquid

Latest financial reports are more than 6 months old

Unstable dividend track record

Does not have a meaningful market cap ($25M)

My Notes

Capture your thoughts, links and company narrative

Peoples Bancorp, Inc. Competitors

Elmer Bancorp

OTCPK:ELMA

US$24.9m

Huron Valley Bancorp

OTCPK:HVLM

US$23.3m

Security Bancorp

OTCPK:SCYT

US$25.8m

Community Bancorp of Santa Maria

OTCPK:CYSM

US$23.7m

Price History & Performance

Summary of share price highs, lows and changes for Peoples Bancorp
Historical stock prices
Current Share Price	US$50.00
52 Week High	US$50.00
52 Week Low	US$31.01
Beta	0.18
1 Month Change	50.15%
3 Month Change	n/a
1 Year Change	51.52%
3 Year Change	67.22%
5 Year Change	44.09%
Change since IPO	-29.33%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	PEBC	US Banks	US Market
7D	46.0%	-3.5%	-2.7%
1Y	51.5%	29.1%	23.4%

Return vs Industry: PEBC exceeded the US Banks industry which returned 29.1% over the past year.

Return vs Market: PEBC exceeded the US Market which returned 23.4% over the past year.

Price Volatility

Is PEBC's price volatile compared to industry and market?
PEBC volatility
PEBC Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

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

Volatility Over Time: Insufficient data to determine PEBC's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1910	n/a	Randy Robey	www.pbkc.com

Peoples Bancorp, Inc. operates as the holding company for The Peoples Bank that provides various banking products and services to individuals, small businesses, associations, and government entities in Kent, Cecil, Queen Anne's, and Talbot Counties, Maryland. The company accepts various deposit products, such as checking accounts, super Now accounts, NOW accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. It also offers residential and commercial real estate, construction and land development, commercial, consumer, other real estate, personal and business, ag, and waterman loans, as well as overdrafts, mortgages, and business lines of credit.

Peoples Bancorp, Inc. Fundamentals Summary

How do Peoples Bancorp's earnings and revenue compare to its market cap?
PEBC fundamental statistics
Market cap	US$24.97m
Earnings (TTM)	US$4.59m
Revenue (TTM)	US$18.65m

7.9x

P/E Ratio

1.1x

P/B Ratio

Is PEBC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PEBC income statement (TTM)
Revenue	US$18.65m
Cost of Revenue	US$0
Gross Profit	US$18.65m
Other Expenses	US$14.06m
Earnings	US$4.59m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	6.30
Gross Margin	100.00%
Net Profit Margin	24.63%
Debt/Equity Ratio	9.4%

How did PEBC perform over the long term?

See historical performance and comparison

Dividends

1.6%

Current Dividend Yield

13%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 01:19
End of Day Share Price	2024/12/23 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Peoples Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution