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FMBH vs PEBO

FMBH
First Mid Bancshares, Inc.
BULLISH
Price
$43.93
Market Cap
$1.17B
Sector
Financial Services
AI Confidence
80%
PEBO
Peoples Bancorp Inc.
NEUTRAL
Price
$33.66
Market Cap
$1.21B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
FMBH
11.29
PEBO
11.26
Forward P/E
FMBH
9.12
PEBO
9.48
P/B Ratio
FMBH
1.1
PEBO
0.97
P/S Ratio
FMBH
3.45
PEBO
2.9
EV/EBITDA
FMBH
--
PEBO
--

Profitability

Gross Margin
FMBH
0.0%
PEBO
0.0%
Operating Margin
FMBH
39.58%
PEBO
38.01%
Profit Margin
FMBH
27.04%
PEBO
25.6%
ROE
FMBH
10.17%
PEBO
9.21%
ROA
FMBH
1.19%
PEBO
1.13%

Growth

Revenue Growth
FMBH
5.1%
PEBO
3.7%
Earnings Growth
FMBH
23.8%
PEBO
17.0%

Financial Health

Debt/Equity
FMBH
--
PEBO
--
Current Ratio
FMBH
--
PEBO
--
Quick Ratio
FMBH
--
PEBO
--

Dividends

Dividend Yield
FMBH
2.27%
PEBO
4.87%
Payout Ratio
FMBH
25.59%
PEBO
54.52%

AI Verdict

FMBH BULLISH

FMBH presents a strong value opportunity, trading significantly below its Graham Number ($59.15) and Intrinsic Value ($114.76). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company demonstrates robust earnings growth of 23.8% YoY and a consistent track record of beating estimates over 25 quarters. Despite bearish insider sentiment and a poor technical trend score, the fundamental valuation and profitability metrics suggest significant upside potential.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong earnings growth (23.8% YoY) and consistent quarterly beats
Low P/E ratio (11.29) compared to the financial services sector average (26.81)
Risks
Bearish insider activity with recent officer sales
Technical trend score (10/100) suggests potential short-term momentum weakness
Piotroski F-Score of 4/9 indicates only 'stable' health rather than 'strong'
PEBO NEUTRAL

PEBO presents a classic value disconnect, trading significantly below its Graham Number ($48.2) and Intrinsic Value ($88.21). While the Piotroski F-Score of 4/9 indicates stable financial health and the dividend yield of 4.87% is attractive, the stock is currently plagued by a bearish technical trend (10/100) and negative insider sentiment. Strong earnings growth (17% YoY) is offset by sluggish top-line revenue growth. Overall, it is a fundamentally sound regional bank trading at a discount, but it lacks an immediate bullish catalyst.

Strengths
Trading below book value (P/B 0.97)
Strong earnings growth (17% YoY)
Attractive dividend yield (4.87%) with a sustainable payout ratio (54.52%)
Risks
Bearish insider activity with recent sales by directors and general counsel
Extremely weak technical trend (10/100) suggesting strong selling pressure
Slow top-line revenue growth (3.7% YoY) compared to earnings

Compare Another Pair

FMBH vs PEBO: Head-to-Head Comparison

This page compares First Mid Bancshares, Inc. (FMBH) and Peoples Bancorp Inc. (PEBO) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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