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Upturn AI SWOT - About
PEBO 
Peoples Bancorp Inc (PEBO)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/07/2025: PEBO (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $34.17
1 Year Target Price $34.17
| 1 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -32.82% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/07/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.01B USD | Price to earnings Ratio 9.61 | 1Y Target Price 34.17 |
Price to earnings Ratio 9.61 | 1Y Target Price 34.17 | ||
Volume (30-day avg) 7 | Beta 0.66 | 52 Weeks Range 25.47 - 35.59 | Updated Date 08/7/2025 |
52 Weeks Range 25.47 - 35.59 | Updated Date 08/7/2025 | ||
Dividends yield (FY) 5.75% | Basic EPS (TTM) 2.94 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-21 | When Before Market | Estimate 0.7929 | Actual 0.59 |
Profitability
Profit Margin 18.79% | Operating Margin (TTM) 31.61% |
Management Effectiveness
Return on Assets (TTM) 1.11% | Return on Equity (TTM) 9.34% |
Valuation
Trailing PE 9.61 | Forward PE 9.8 | Enterprise Value 1441405952 | Price to Sales(TTM) 1.82 |
Enterprise Value 1441405952 | Price to Sales(TTM) 1.82 | ||
Enterprise Value to Revenue 3.6 | Enterprise Value to EBITDA - | Shares Outstanding 35670900 | Shares Floating 33645336 |
Shares Outstanding 35670900 | Shares Floating 33645336 | ||
Percent Insiders 3.35 | Percent Institutions 60.93 |
Upturn AI SWOT
Peoples Bancorp Inc
Company Overview
History and Background
Peoples Bancorp Inc. was founded in 1902 and is headquartered in Marietta, Ohio. It operates as the holding company for Peoples Bank, providing community banking, insurance, and investment products and services. Over the years, it has grown through organic expansion and strategic acquisitions to serve communities across Ohio, West Virginia, Kentucky, Virginia, Maryland, and the District of Columbia.
Core Business Areas
- Community Banking: Offers a range of deposit accounts, loans (commercial, residential, and consumer), and other traditional banking services to individuals and businesses.
- Insurance: Provides various insurance products, including property and casualty, life, and health insurance.
- Investment Services: Offers investment management and financial planning services to individuals and businesses.
Leadership and Structure
Chuck Sulerzyski serves as the President and CEO. The company has a board of directors and is structured into various departments responsible for different aspects of its operations, including lending, finance, and technology.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, such as expansion, working capital, and equipment financing. Market share data for Peoples Bancorp Inc in commercial lending is not publicly available at the national level, but it competes with larger national and regional banks. Competitors include Huntington Bancshares (HBAN), Fifth Third Bancorp (FITB), and PNC Financial Services (PNC).
- Residential Mortgages: Offers mortgage loans for home purchases and refinances. Market share data for Peoples Bancorp Inc in residential mortgages is not publicly available. The residential mortgage market is highly competitive, with national players like Wells Fargo (WFC), JPMorgan Chase (JPM), and Bank of America (BAC) holding significant market share.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Market share data for deposit accounts is not publicly available at the granular level for Peoples Bancorp Inc, but it competes with other community banks and larger national banks for deposit market share.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, technological advancements, and increasing competition from non-bank financial institutions.
Positioning
Peoples Bancorp Inc. is positioned as a community-focused bank offering personalized service and local expertise. Its competitive advantages include its strong relationships with local businesses and customers and its presence in growing markets.
Total Addressable Market (TAM)
The TAM for the banking services Peoples Bancorp Inc offers is in the hundreds of billions of dollars annually, encompassing all lending, deposit, and wealth management activities within its geographic footprint and adjacent markets. Peoples Bancorp Inc. is positioned to capture a portion of this TAM through its community-focused approach and expansion strategies.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Diversified revenue streams (banking, insurance, investment services)
- Sound asset quality
- Strategic acquisition history
Weaknesses
- Smaller scale compared to larger national banks
- Limited geographic footprint compared to larger national banks
- Reliance on traditional banking services
- Sensitivity to interest rate fluctuations
Opportunities
- Expansion into new markets through organic growth and acquisitions
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Capitalizing on the current increase in interest rates
Threats
- Increasing competition from larger banks and fintech companies
- Economic downturns
- Regulatory changes
- Cybersecurity threats
- Rising interest rates
Competitors and Market Share
Key Competitors
- HBAN
- FITB
- PNC
- KEY
Competitive Landscape
Peoples Bancorp Inc. operates in a highly competitive market. Its advantages include strong local relationships and community focus. Its disadvantages include its smaller scale compared to larger national and regional banks.
Major Acquisitions
Premier Financial Bancorp, Inc.
- Year: 2024
- Acquisition Price (USD millions): 292.3
- Strategic Rationale: Expansion into attractive markets, increased scale and operational efficiencies, and enhanced financial performance.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be assessed based on revenue, earnings, and asset growth over the past several years. This requires historical financial data.
Future Projections: Future growth projections require analyst estimates and management guidance, which are not available in this context.
Recent Initiatives: Recent initiatives include strategic acquisitions in new geographic areas and investments in digital banking technologies.
Summary
Peoples Bancorp Inc. is a relatively small, well-established community bank with a diversified revenue stream and a focus on community banking. The company has a history of strategic acquisitions to grow its footprint but faces competition from larger banks. Its strengths include strong community relationships and sound asset quality, while its weaknesses include its relatively small size and reliance on traditional banking services. Recent acquisitions will help it to continue to grow.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Yahoo Finance
- Earnings Transcripts
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual risk tolerance and due diligence. Market share estimates are approximate and may vary based on data sources and methodology. Financial performance requires more granular financial data.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Peoples Bancorp Inc
Exchange NASDAQ | Headquaters Marietta, OH, United States | ||
IPO Launch date 1993-02-11 | President, CEO & Director Mr. Tyler J. Wilcox | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1477 | Website https://www.peoplesbancorp.com |
Full time employees 1477 | Website https://www.peoplesbancorp.com | ||
Peoples Bancorp Inc. operates as the financial holding company for Peoples Bank that provides commercial and consumer banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, certificates of deposit, and governmental deposits; 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 online, telephone, and mobile banking services. In addition, it provides various life, health, and property and casualty insurance products; third-party insurance administration; interactive teller machines; insurance premium financing; commercial and technology equipment leasing; fiduciary and trust; equipment financing agreements; and asset management and administration services, as well as employee benefit, retirement, and health care plan administration services. Further, the company offers brokerage services through an unaffiliated registered broker-dealer; and credit cards to individuals and businesses, as well as merchant credit card transaction processing, and person-to-person and business-to-business payment processing services. Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio.
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