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Upturn AI SWOT - About
PEBO 
Peoples Bancorp Inc (PEBO)
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Upturn Advisory Summary
09/11/2025: PEBO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -33.81% | Avg. Invested days 23 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.09B USD | Price to earnings Ratio 10.45 | 1Y Target Price 34.17 |
Price to earnings Ratio 10.45 | 1Y Target Price 34.17 | ||
Volume (30-day avg) 7 | Beta 0.66 | 52 Weeks Range 25.47 - 35.59 | Updated Date 09/11/2025 |
52 Weeks Range 25.47 - 35.59 | Updated Date 09/11/2025 | ||
Dividends yield (FY) 5.32% | Basic EPS (TTM) 2.93 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.79% | Operating Margin (TTM) 31.61% |
Management Effectiveness
Return on Assets (TTM) 1.11% | Return on Equity (TTM) 9.34% |
Valuation
Trailing PE 10.45 | Forward PE 9.8 | Enterprise Value 1525026944 | Price to Sales(TTM) 1.97 |
Enterprise Value 1525026944 | Price to Sales(TTM) 1.97 | ||
Enterprise Value to Revenue 3.8 | Enterprise Value to EBITDA - | Shares Outstanding 35670900 | Shares Floating 33646386 |
Shares Outstanding 35670900 | Shares Floating 33646386 | ||
Percent Insiders 3.34 | Percent Institutions 61.33 |
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 organically and through strategic acquisitions to become a leading community bank in the region.
Core Business Areas
- Commercial Banking: Provides commercial loans, deposit accounts, and other financial services to businesses of all sizes.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides investment management, financial planning, and trust services.
- Insurance: Offers a range of insurance products through its insurance division.
Leadership and Structure
The company is led by a board of directors and a senior management team. The organizational structure includes various departments responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, expansion, and equipment financing. Competitors include regional and national banks such as Huntington Bancshares (HBAN) and Fifth Third Bancorp (FITB). Limited specific market share data available.
- Mortgages: Offers a variety of mortgage products to homebuyers. Competitors include national mortgage lenders such as Rocket Companies (RKT) and UWM Holdings Corporation (UWMC). Limited specific market share data available.
- Deposit Accounts: Provides checking, savings, and other deposit accounts to individuals and businesses. Competitors include other regional and national banks.
Market Dynamics
Industry Overview
The banking industry is undergoing rapid transformation due to technological advancements, increasing regulatory scrutiny, and changing customer preferences.
Positioning
Peoples Bancorp Inc. is a well-established community bank with a strong presence in its core markets. Its competitive advantages include its local expertise, personalized service, and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the regions Peoples Bancorp Inc. serves is estimated in the billions of dollars. Peoples Bancorp Inc. is positioned to capture a portion of this TAM through its diverse product offerings and strong local presence.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Diversified product offerings
- Strong customer relationships
- Solid Capital Ratios
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on traditional banking channels
- Higher operational costs
- Limited market share outside of key regions
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- HBAN
- FITB
- WTFC
- CMA
Competitive Landscape
Peoples Bancorp Inc. faces competition from larger regional and national banks, as well as fintech companies. Its competitive advantages include its local expertise and personalized service.
Major Acquisitions
Premier Financial Bancorp, Inc.
- Year: 2021
- Acquisition Price (USD millions): 481.1
- Strategic Rationale: Expanded market presence in West Virginia, Kentucky, and Ohio.
Growth Trajectory and Initiatives
Historical Growth: Peoples Bancorp Inc. has grown steadily over the years through organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth for Peoples Bancorp Inc. driven by its strong market position and strategic initiatives. No data provided due to limitations.
Recent Initiatives: Recent strategic initiatives include expanding its digital banking capabilities and pursuing strategic acquisitions.
Summary
Peoples Bancorp Inc. is a stable community bank with a strong regional presence, leveraging personalized service. It faces challenges from larger competitors and evolving tech, but continues to expand with strategic acquisitions. Maintaining a focus on operational efficiency and digital adaptation is crucial. While the market share is low, key acquisitions provide a strong position in its region. Overall, PEBO is a good regional bank with a proven track record.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Market research reports, Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary. Financial performance and competitive positioning can change over time. Consult with a qualified financial advisor before making any investment decisions.
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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