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PEOPLES BANCORP INC (PEBO) Stock Fundamental Analysis

NASDAQ:PEBO - Nasdaq - US7097891011 - Common Stock - Currency: USD

33.05  -0.03 (-0.09%)

After market: 33.65 +0.6 (+1.82%)

Fundamental Rating

4

PEBO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. There are concerns on the financial health of PEBO while its profitability can be described as average. PEBO is not valued too expensively and it also shows a decent growth rate. PEBO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

PEBO had positive earnings in the past year.
PEBO had a positive operating cash flow in the past year.
Each year in the past 5 years PEBO has been profitable.
Of the past 5 years PEBO 4 years had a positive operating cash flow.
PEBO Yearly Net Income VS EBIT VS OCF VS FCFPEBO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

PEBO's Return On Assets of 2.31% is amongst the best of the industry. PEBO outperforms 96.98% of its industry peers.
Looking at the Return On Equity, with a value of 18.75%, PEBO belongs to the top of the industry, outperforming 96.73% of the companies in the same industry.
Industry RankSector Rank
ROA 2.31%
ROE 18.75%
ROIC N/A
ROA(3y)1.29%
ROA(5y)1.05%
ROE(3y)11.32%
ROE(5y)9.11%
ROIC(3y)N/A
ROIC(5y)N/A
PEBO Yearly ROA, ROE, ROICPEBO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

PEBO has a better Profit Margin (26.90%) than 70.85% of its industry peers.
PEBO's Profit Margin has been stable in the last couple of years.
PEBO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.9%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.88%
PM growth 5Y-0.04%
GM growth 3YN/A
GM growth 5YN/A
PEBO Yearly Profit, Operating, Gross MarginsPEBO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

PEBO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PEBO has been increased compared to 1 year ago.
Compared to 5 years ago, PEBO has more shares outstanding
Compared to 1 year ago, PEBO has a worse debt to assets ratio.
PEBO Yearly Shares OutstandingPEBO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
PEBO Yearly Total Debt VS Total AssetsPEBO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

The Debt to FCF ratio of PEBO is 2.26, which is a good value as it means it would take PEBO, 2.26 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of PEBO (2.26) is comparable to the rest of the industry.
PEBO has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.25, PEBO is in line with its industry, outperforming 41.46% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 2.26
Altman-Z N/A
ROIC/WACCN/A
WACC9.9%
PEBO Yearly LT Debt VS Equity VS FCFPEBO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PEBO Yearly Current Assets VS Current LiabilitesPEBO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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4

3. Growth

3.1 Past

The earnings per share for PEBO have decreased by -6.23% in the last year.
The Earnings Per Share has been growing slightly by 5.44% on average over the past years.
Looking at the last year, PEBO shows a very strong growth in Revenue. The Revenue has grown by 83.47%.
PEBO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.92% yearly.
EPS 1Y (TTM)-6.23%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%-20.83%
Revenue 1Y (TTM)83.47%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%-0.78%

3.2 Future

Based on estimates for the next years, PEBO will show a small growth in Earnings Per Share. The EPS will grow by 2.16% on average per year.
PEBO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.15% yearly.
EPS Next Y-1.1%
EPS Next 2Y2.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.98%
Revenue Next 2Y3.15%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
PEBO Yearly Revenue VS EstimatesPEBO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
PEBO Yearly EPS VS EstimatesPEBO Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

PEBO is valuated reasonably with a Price/Earnings ratio of 9.98.
Based on the Price/Earnings ratio, PEBO is valued cheaper than 85.68% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.42. PEBO is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.10, which indicates a very decent valuation of PEBO.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PEBO indicates a somewhat cheap valuation: PEBO is cheaper than 76.13% of the companies listed in the same industry.
PEBO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.39.
Industry RankSector Rank
PE 9.98
Fwd PE 10.1
PEBO Price Earnings VS Forward Price EarningsPEBO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

PEBO's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PEBO is cheaper than 74.37% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.45
EV/EBITDA N/A
PEBO Per share dataPEBO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.84
EPS Next 2Y2.16%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

PEBO has a Yearly Dividend Yield of 4.90%, which is a nice return.
Compared to an average industry Dividend Yield of 3.19, PEBO pays a better dividend. On top of this PEBO pays more dividend than 89.95% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.27, PEBO pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.9%

5.2 History

The dividend of PEBO is nicely growing with an annual growth rate of 8.08%!
PEBO has paid a dividend for at least 10 years, which is a reliable track record.
PEBO has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)8.08%
Div Incr Years9
Div Non Decr Years13
PEBO Yearly Dividends per sharePEBO Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5

5.3 Sustainability

26.44% of the earnings are spent on dividend by PEBO. This is a low number and sustainable payout ratio.
The dividend of PEBO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP26.44%
EPS Next 2Y2.16%
EPS Next 3YN/A
PEBO Yearly Income VS Free CF VS DividendPEBO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M
PEBO Dividend Payout.PEBO Dividend Payout, showing the Payout Ratio.PEBO Dividend Payout.PayoutRetained Earnings

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PEOPLES BANCORP INC

NASDAQ:PEBO (1/28/2025, 8:00:00 PM)

After market: 33.65 +0.6 (+1.82%)

33.05

-0.03 (-0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21 2025-01-21/bmo
Earnings (Next)N/A N/A
Inst Owners56.5%
Inst Owner Change-0.27%
Ins Owners2.92%
Ins Owner Change-0.94%
Market Cap1.17B
Analysts73.85
Price Target38.17 (15.49%)
Short Float %1.43%
Short Ratio3.76
Dividend
Industry RankSector Rank
Dividend Yield 4.9%
Yearly Dividend1.63
Dividend Growth(5Y)8.08%
DP26.44%
Div Incr Years9
Div Non Decr Years13
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.49%
Min EPS beat(2)-4.88%
Max EPS beat(2)5.85%
EPS beat(4)2
Avg EPS beat(4)0.6%
Min EPS beat(4)-4.88%
Max EPS beat(4)5.85%
EPS beat(8)4
Avg EPS beat(8)-0.85%
EPS beat(12)8
Avg EPS beat(12)6.73%
EPS beat(16)10
Avg EPS beat(16)-3.66%
Revenue beat(2)0
Avg Revenue beat(2)-1.34%
Min Revenue beat(2)-2.5%
Max Revenue beat(2)-0.18%
Revenue beat(4)1
Avg Revenue beat(4)-1.41%
Min Revenue beat(4)-3.38%
Max Revenue beat(4)0.44%
Revenue beat(8)3
Avg Revenue beat(8)-0.58%
Revenue beat(12)5
Avg Revenue beat(12)-0.45%
Revenue beat(16)5
Avg Revenue beat(16)-1.04%
PT rev (1m)4.91%
PT rev (3m)6.4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.41%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)-0.85%
Valuation
Industry RankSector Rank
PE 9.98
Fwd PE 10.1
P/S 1.5
P/FCF 9.45
P/OCF 8.78
P/B 1.04
P/tB 1.63
EV/EBITDA N/A
EPS(TTM)3.31
EY10.02%
EPS(NY)3.27
Fwd EY9.91%
FCF(TTM)3.5
FCFY10.58%
OCF(TTM)3.76
OCFY11.39%
SpS22.06
BVpS31.65
TBVpS20.29
PEG (NY)N/A
PEG (5Y)1.84
Profitability
Industry RankSector Rank
ROA 2.31%
ROE 18.75%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.9%
GM N/A
FCFM 15.85%
ROA(3y)1.29%
ROA(5y)1.05%
ROE(3y)11.32%
ROE(5y)9.11%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.88%
PM growth 5Y-0.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 2.26
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.21%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 58.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC9.9%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.23%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%-20.83%
EPS Next Y-1.1%
EPS Next 2Y2.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)83.47%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%-0.78%
Revenue Next Year0.98%
Revenue Next 2Y3.15%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y3.58%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y2.59%
OCF growth 3YN/A
OCF growth 5YN/A