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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
06/27/2025: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $32.83
1 Year Target Price $32.83
| 1 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -28.04% | 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 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.09B USD | Price to earnings Ratio 9.7 | 1Y Target Price 32.83 |
Price to earnings Ratio 9.7 | 1Y Target Price 32.83 | ||
Volume (30-day avg) 7 | Beta 0.64 | 52 Weeks Range 25.85 - 36.11 | Updated Date 06/30/2025 |
52 Weeks Range 25.85 - 36.11 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 5.36% | Basic EPS (TTM) 3.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.95% | Operating Margin (TTM) 34.1% |
Management Effectiveness
Return on Assets (TTM) 1.21% | Return on Equity (TTM) 10.18% |
Valuation
Trailing PE 9.7 | Forward PE 9.8 | Enterprise Value 1146348928 | Price to Sales(TTM) 1.94 |
Enterprise Value 1146348928 | Price to Sales(TTM) 1.94 | ||
Enterprise Value to Revenue 2.99 | Enterprise Value to EBITDA - | Shares Outstanding 35645800 | Shares Floating 33599133 |
Shares Outstanding 35645800 | Shares Floating 33599133 | ||
Percent Insiders 3.39 | Percent Institutions 61.29 |
Analyst Ratings
Rating 3 | Target Price 32.83 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Peoples Bancorp Inc
Company Overview
History and Background
Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio. It operates as a community financial services provider, offering a range of banking and financial services through its subsidiaries.
Core Business Areas
- Community Banking: Offers traditional banking services, including deposit accounts, loans (commercial, residential, and consumer), and other financial products to individuals and businesses within its service area.
- Wealth Management: Provides wealth management services, including trust and investment management, financial planning, and insurance products.
- Insurance: Offers a broad range of insurance products.
Leadership and Structure
The leadership team includes the CEO, CFO, and other senior executives overseeing various departments. The organizational structure involves a board of directors and various operating divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data is not publicly available at a granular level for specific loan types. Competitors include regional and national banks.
- Residential Mortgages: Mortgages for home purchases and refinancing. Market share data is not publicly available. Competitors include national mortgage lenders and other regional banks.
- Deposit Accounts: Checking, savings, and money market accounts. Market share varies by location; no broad national share available. Competitors include online banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, facing pressures from fintech companies, rising interest rates, and changing customer preferences.
Positioning
Peoples Bancorp Inc. is a regional bank focusing on community relationships and personalized service, differentiating itself from larger national banks.
Total Addressable Market (TAM)
The US banking market represents trillions of dollars. Peoples Bancorp Inc is positioned as a strong regional player focused on specific markets.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Diversified revenue streams
- Solid capital base
Weaknesses
- Limited geographic footprint
- Lower brand recognition compared to national banks
- Dependence on interest rate environment
- Limited technology investment compared to larger competitors
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from online lenders
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WSFS
- FCNCA
- PBCT
- OFG
Competitive Landscape
Peoples Bancorp Inc. competes with larger national banks and smaller regional banks. Its advantages include strong community relationships and personalized service. It faces challenges from larger competitors with greater resources and brand recognition.
Major Acquisitions
Premier Financial Bancorp, Inc.
- Year: 2021
- Acquisition Price (USD millions): 292.3
- Strategic Rationale: Expanded Peoples' footprint into attractive markets and added scale to its operations.
Growth Trajectory and Initiatives
Historical Growth: Peoples Bancorp Inc. has experienced steady growth driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth driven by expansion into new markets and increased adoption of digital banking. Requires replacement with updated financial information.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
Peoples Bancorp Inc. is a stable regional bank with a strong community presence. Its consistent profitability and dividend history are positives. Challenges include competition from larger banks and adapting to changing customer preferences. Growth is achievable through strategic initiatives.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is based on estimates and may not be precise. Financial data should be verified with official sources.
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 1460 | Website https://www.peoplesbancorp.com |
Full time employees 1460 | 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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