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PEBO vs PFBC

PEBO
Peoples Bancorp Inc.
NEUTRAL
Price
$33.66
Market Cap
$1.21B
Sector
Financial Services
AI Confidence
85%
PFBC
Preferred Bank
BULLISH
Price
$94.41
Market Cap
$1.15B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
PEBO
11.26
PFBC
9.07
Forward P/E
PEBO
9.48
PFBC
8.53
P/B Ratio
PEBO
0.97
PFBC
1.46
P/S Ratio
PEBO
2.9
PFBC
4.09
EV/EBITDA
PEBO
--
PFBC
--

Profitability

Gross Margin
PEBO
0.0%
PFBC
0.0%
Operating Margin
PEBO
38.01%
PFBC
71.65%
Profit Margin
PEBO
25.6%
PFBC
47.52%
ROE
PEBO
9.21%
PFBC
17.21%
ROA
PEBO
1.13%
PFBC
1.84%

Growth

Revenue Growth
PEBO
3.7%
PFBC
4.2%
Earnings Growth
PEBO
17.0%
PFBC
24.0%

Financial Health

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

Dividends

Dividend Yield
PEBO
4.87%
PFBC
3.39%
Payout Ratio
PEBO
54.52%
PFBC
36.5%

AI Verdict

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
PFBC BULLISH

PFBC exhibits strong fundamental value, trading significantly below its Graham Number ($123.23) and Intrinsic Value ($307.1). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company boasts a high ROE of 17.21% and a consistent 25-quarter track record of earnings beats. Despite bearish insider sentiment and technical trends, the low P/E ratio of 9.07 and sustainable dividend payout make it an attractive value play.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong profitability with 17.21% ROE and 1.84% ROA
Exceptional earnings track record with consistent beats over 25 quarters
Risks
Bearish insider activity with 8 sell transactions and 0 buys
Weak technical trend (0/100) suggesting short-term price pressure
Sluggish year-over-year revenue growth of 4.20%

Compare Another Pair

PEBO vs PFBC: Head-to-Head Comparison

This page compares Peoples Bancorp Inc. (PEBO) and Preferred Bank (PFBC) 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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