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PEBO 
Peoples Bancorp Inc (PEBO)
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Upturn Advisory Summary
12/01/2025: 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 $33.08
1 Year Target Price $33.08
| 1 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -38.13% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.07B USD | Price to earnings Ratio 10.44 | 1Y Target Price 33.08 |
Price to earnings Ratio 10.44 | 1Y Target Price 33.08 | ||
Volume (30-day avg) 7 | Beta 0.66 | 52 Weeks Range 25.11 - 33.74 | Updated Date 12/1/2025 |
52 Weeks Range 25.11 - 33.74 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 5.50% | Basic EPS (TTM) 2.86 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.36% | Operating Margin (TTM) 38.46% |
Management Effectiveness
Return on Assets (TTM) 1.09% | Return on Equity (TTM) 8.84% |
Valuation
Trailing PE 10.44 | Forward PE 9.8 | Enterprise Value 1568113920 | Price to Sales(TTM) 1.92 |
Enterprise Value 1568113920 | Price to Sales(TTM) 1.92 | ||
Enterprise Value to Revenue 3.92 | Enterprise Value to EBITDA - | Shares Outstanding 35702963 | Shares Floating 33795263 |
Shares Outstanding 35702963 | Shares Floating 33795263 | ||
Percent Insiders 3.36 | Percent Institutions 61.07 |
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 has grown through organic expansion and strategic acquisitions, becoming a leading community bank in the region.
Core Business Areas
- Commercial Banking: Offers lending, treasury management, and other financial services to businesses of all sizes.
- Retail Banking: Provides deposit accounts, loans, and other financial services to individuals and families.
- Wealth Management: Offers investment management, trust, and financial planning services.
Leadership and Structure
The company is led by a board of directors and an executive management team headed by the CEO. The organizational structure is divided into business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offer various commercial loan products to businesses, including term loans, lines of credit, and real estate financing. Market share data is regionally focused. Competitors include larger national banks and other regional players.
- Mortgage Loans: Provides mortgage loan products for homebuyers, including fixed-rate and adjustable-rate mortgages. Competitors are mortgage lenders such as Rocket Mortgage (RKT) and United Wholesale Mortgage (UWMC).
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include large national banks (e.g., JPM, BAC) and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Peoples Bancorp Inc. is positioned as a community bank with a strong focus on customer service and local relationships. Its competitive advantages include its established presence and reputation in the region.
Total Addressable Market (TAM)
The TAM for banking services in the company's operating region is estimated in the billions of dollars. Peoples Bancorp Inc. captures a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Solid financial performance
- Established presence in the region
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Acquisitions of smaller banks
- Growth in wealth management business
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WSBC
- FFBC
- HFWA
Competitive Landscape
Peoples Bancorp Inc. competes with other community banks and larger regional and national banks. Its advantages include its strong local presence and customer relationships, while its disadvantages include its smaller scale and limited geographic reach.
Major Acquisitions
Premier Financial Bancorp, Inc.
- Year: 2023
- Acquisition Price (USD millions): 292.3
- Strategic Rationale: Expanded market presence into West Virginia, Kentucky, and the metropolitan markets of Cincinnati, Ohio and Lexington, Kentucky.
Growth Trajectory and Initiatives
Historical Growth: Peoples Bancorp Inc.'s historical growth has been driven by organic expansion and acquisitions.
Future Projections: Future growth projections are based on analyst estimates and company guidance. These typically involve increases in lending activity and fee income.
Recent Initiatives: Recent strategic initiatives undertaken by Peoples Bancorp Inc. may include investments in technology, expansion into new markets, and acquisitions.
Summary
Peoples Bancorp Inc. is a financially stable community bank with a strong presence in its operating region. Its strengths lie in its customer relationships and experienced management, but it faces challenges from competition and economic uncertainty. Recent acquisitions should help bolster market share, but attention needs to be paid to adapting to digital transformation to remain competitive.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), press releases, analyst reports, market research reports.
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data may vary depending on the source and methodology.
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 1454 | Website https://www.peoplesbancorp.com |
Full time employees 1454 | 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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