31.28 USD
-0.59 (-1.85%)
31.28 USD
0 (0%)
PEBO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. PEBO has a bad profitability rating. Also its financial health evaluation is rather negative. PEBO is valued correctly, but it does not seem to be growing. PEBO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year PEBO was profitable.
In the past year PEBO had a positive cash flow from operations.
PEBO had positive earnings in each of the past 5 years.
In the past 5 years PEBO always reported a positive cash flow from operatings.
1.2 Ratios
PEBO has a Return On Assets of 1.05%. This is in the better half of the industry: PEBO outperforms 64.95% of its industry peers.
PEBO has a Return On Equity (8.54%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 8.54% | ||
| 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
1.3 Margins
The Profit Margin of PEBO (22.26%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of PEBO has remained more or less at the same level.
PEBO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.26% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.89%
PM growth 5Y-0.04%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PEBO does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PEBO has more shares outstanding
PEBO has more shares outstanding than it did 5 years ago.
PEBO has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of PEBO is 2.89, which is a good value as it means it would take PEBO, 2.89 years of fcf income to pay off all of its debts.
PEBO's Debt to FCF ratio of 2.89 is on the low side compared to the rest of the industry. PEBO is outperformed by 60.82% of its industry peers.
PEBO has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of PEBO (0.09) is better than 70.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 2.89 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.44%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for PEBO have decreased strongly by -18.52% in the last year.
PEBO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.44% yearly.
The Revenue for PEBO has decreased by -19.19% in the past year. This is quite bad
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)-18.52%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%-6.74%
Revenue 1Y (TTM)-19.19%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%1.29%
3.2 Future
PEBO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.72% yearly.
PEBO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.16% yearly.
EPS Next Y-8.04%
EPS Next 2Y1.84%
EPS Next 3Y2.72%
EPS Next 5YN/A
Revenue Next Year3.26%
Revenue Next 2Y3.16%
Revenue Next 3Y3.16%
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.
4. Valuation
4.1 Price/Earnings Ratio
PEBO is valuated reasonably with a Price/Earnings ratio of 10.94.
Compared to the rest of the industry, the Price/Earnings ratio of PEBO indicates a somewhat cheap valuation: PEBO is cheaper than 71.39% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.39, PEBO is valued rather cheaply.
The Price/Forward Earnings ratio is 9.11, 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 78.35% of the companies listed in the same industry.
PEBO is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.94 | ||
| Fwd PE | 9.11 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PEBO is valued a bit cheaper than the industry average as 78.61% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.38 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.01
EPS Next 2Y1.84%
EPS Next 3Y2.72%
5. Dividend
5.1 Amount
PEBO has a Yearly Dividend Yield of 5.15%, which is a nice return.
Compared to an average industry Dividend Yield of 2.74, PEBO pays a better dividend. On top of this PEBO pays more dividend than 90.21% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, PEBO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.15% |
5.2 History
The dividend of PEBO has a limited annual growth rate of 4.15%.
PEBO has been paying a dividend for at least 10 years, so it has a reliable track record.
PEBO has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.15%
Div Incr Years9
Div Non Decr Years13
5.3 Sustainability
56.95% of the earnings are spent on dividend by PEBO. This is a bit on the high side, but may be sustainable.
PEBO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP56.95%
EPS Next 2Y1.84%
EPS Next 3Y2.72%
31.28
-0.59 (-1.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners60.92%
Inst Owner Change-0.54%
Ins Owners3.03%
Ins Owner Change0.66%
Market Cap1.12B
Revenue(TTM)453.61M
Net Income(TTM)100.97M
Analysts73.85
Price Target33.74 (7.86%)
Short Float %2.56%
Short Ratio5.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.15% |
Yearly Dividend1.58
Dividend Growth(5Y)4.15%
DP56.95%
Div Incr Years9
Div Non Decr Years13
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-13.22%
Min EPS beat(2)-25.02%
Max EPS beat(2)-1.42%
EPS beat(4)0
Avg EPS beat(4)-9.01%
Min EPS beat(4)-25.02%
Max EPS beat(4)-0.96%
EPS beat(8)2
Avg EPS beat(8)-4.21%
EPS beat(12)4
Avg EPS beat(12)-3.57%
EPS beat(16)8
Avg EPS beat(16)2.79%
Revenue beat(2)0
Avg Revenue beat(2)-2.2%
Min Revenue beat(2)-3.52%
Max Revenue beat(2)-0.87%
Revenue beat(4)0
Avg Revenue beat(4)-1.71%
Min Revenue beat(4)-3.52%
Max Revenue beat(4)-0.17%
Revenue beat(8)1
Avg Revenue beat(8)-1.56%
Revenue beat(12)3
Avg Revenue beat(12)-0.96%
Revenue beat(16)5
Avg Revenue beat(16)-0.77%
PT rev (1m)0%
PT rev (3m)-3.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.86%
EPS NY rev (1m)0%
EPS NY rev (3m)1.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.94 | ||
| Fwd PE | 9.11 | ||
| P/S | 2.46 | ||
| P/FCF | 8.38 | ||
| P/OCF | 8.01 | ||
| P/B | 0.94 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.86
EY9.14%
EPS(NY)3.43
Fwd EY10.98%
FCF(TTM)3.73
FCFY11.93%
OCF(TTM)3.9
OCFY12.48%
SpS12.71
BVpS33.13
TBVpS22.05
PEG (NY)N/A
PEG (5Y)2.01
Graham Number46.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 8.54% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.26% | ||
| GM | N/A | ||
| FCFM | 29.38% |
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.89%
PM growth 5Y-0.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 2.89 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 173.85% | ||
| Cap/Sales | 1.35% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 131.97% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC13.44%
ROIC/WACCN/A
Cap/Depr(3y)200.12%
Cap/Depr(5y)128.88%
Cap/Sales(3y)2.24%
Cap/Sales(5y)2.32%
Profit Quality(3y)115.04%
Profit Quality(5y)179.67%
High Growth Momentum
Growth
EPS 1Y (TTM)-18.52%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%-6.74%
EPS Next Y-8.04%
EPS Next 2Y1.84%
EPS Next 3Y2.72%
EPS Next 5YN/A
Revenue 1Y (TTM)-19.19%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%1.29%
Revenue Next Year3.26%
Revenue Next 2Y3.16%
Revenue Next 3Y3.16%
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 1Y11.04%
FCF growth 3Y-3.06%
FCF growth 5Y16.19%
OCF growth 1Y6.87%
OCF growth 3Y-2.9%
OCF growth 5Y16.33%
PEOPLES BANCORP INC / PEBO FAQ
What is the ChartMill fundamental rating of PEOPLES BANCORP INC (PEBO) stock?
ChartMill assigns a fundamental rating of 3 / 10 to PEBO.
What is the valuation status of PEOPLES BANCORP INC (PEBO) stock?
ChartMill assigns a valuation rating of 5 / 10 to PEOPLES BANCORP INC (PEBO). This can be considered as Fairly Valued.
How profitable is PEOPLES BANCORP INC (PEBO) stock?
PEOPLES BANCORP INC (PEBO) has a profitability rating of 3 / 10.
What is the expected EPS growth for PEOPLES BANCORP INC (PEBO) stock?
The Earnings per Share (EPS) of PEOPLES BANCORP INC (PEBO) is expected to decline by -8.04% in the next year.
Can you provide the dividend sustainability for PEBO stock?
The dividend rating of PEOPLES BANCORP INC (PEBO) is 8 / 10 and the dividend payout ratio is 56.95%.