PEBO

NEUTRAL

$33.66 Live

Peoples Bancorp Inc. · NASDAQ

Target $35.5 (+5.5%)

$26.61 52W Range $34.89

PEBO Peoples Bancorp Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

PEBO Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$33.66

Analyst Target

$35.5

+5.5% Upside

52W High

$34.89

52W Low

$26.61

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 17, 2026

Market cap

$1.21B

P/E

11.26

ROE

9.2%

Profit margin

25.6%

Debt/Equity

N/A

Dividend yield

4.87%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

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.

Key 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%)

Significant discount to both Graham and Intrinsic value estimates

Long-term track record of earnings beats over 25 quarters

Key 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

Exposure to regional banking sector systemic risks

Moderate Piotroski score (4/9) suggests health is stable but not optimal

AI Fair Value Estimate

Based on comprehensive analysis

$48.2

+43.2% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Undervalued but Languishing

Key drivers: Deep Value, Dividend Income, Bearish Technicals, Insider Selling

Confidence

80%

Value

90/100

Trading at a significant discount to defensive fair value and book value.

Positives

P/B < 1
P/E 11.26
Price well below Graham Number

Watchpoints

No urgent risks highlighted.

Future

60/100

Earnings growth is strong, but revenue growth is sluggish, suggesting growth is coming from cost-cutting or interest margin rather than expansion.

Positives

17% Earnings Growth

Watchpoints

3.7% Revenue Growth

Past

80/100

Strong historical earnings reliability and consistency.

Positives

Consistent EPS beats over 25 quarters

Watchpoints

Recent 2/4 beat rate

Health

50/100

Piotroski F-Score indicates stable health, avoiding the 'weak' category but far from 'strong'.

Positives

Stable Piotroski F-Score (4/9)

Watchpoints

No Altman Z-Score available for bank structure

Dividend

75/100

Strong dividend profile providing a safety floor for investors.

Positives

4.87% Yield
Sustainable 54.52% Payout

Watchpoints

No urgent risks highlighted.

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$33.66

Analyst Target

$35.5

Upside/Downside

+5.5%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for PEBO and closest competitors.

Updated 2026-04-16

Company	5Y	3Y	1Y	6M	1M	1W
PEBO Peoples Bancorp Inc. Primary	+29.5%	+52.5%	+28.5%	+25.0%	+6.4%	-2.9%
FMBH First Mid Bancshares, Inc. Peer	+14.0%	+77.1%	+37.0%	+22.6%	+9.3%	+5.5%
PFBC Preferred Bank Peer	+63.0%	+105.6%	+23.1%	+13.6%	+6.6%	-0.3%
OSBC Old Second Bancorp, Inc. Peer	+78.5%	+68.3%	+48.8%	+22.4%	+10.5%	+2.3%
AMAL Amalgamated Financial Corp. Peer	+138.8%	+109.7%	+36.9%	+34.9%	-5.9%	+0.8%

PEB

Peoples Bancorp Inc.

Primary

+29.5%

+52.5%

+28.5%

+25.0%

+6.4%

-2.9%

FMB

First Mid Bancshares, Inc.

Peer

+14.0%

+77.1%

+37.0%

+22.6%

+9.3%

+5.5%

PFB

Preferred Bank

Peer

+63.0%

+105.6%

+23.1%

+13.6%

+6.6%

-0.3%

OSB

Old Second Bancorp, Inc.

Peer

+78.5%

+68.3%

+48.8%

+22.4%

+10.5%

+2.3%

AMA

Amalgamated Financial Corp.

Peer

+138.8%

+109.7%

+36.9%

+34.9%

-5.9%

+0.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

11.26

9.48

1.45

0.97

2.9

4.17

N/A

$1.21B

Profitability

Profit margins and return metrics

Profit Margin 25.6%

Operating Margin 38.01%

Gross Margin N/A

ROE 9.21%

ROA 1.13%

Growth

Revenue and earnings growth rates

Revenue Growth +3.7%

Earnings Growth +17.0%

Q/Q Revenue Growth +5.36%

Q/Q Earnings Growth +17.9%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$5.64

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.1B

Net Margin

26.3%

Total Assets

$9.6B

Liabilities

$8.4B

Equity

$1.2B

Debt/Equity

7.00x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-21

$N/A

2026-01-20

$0.94

+7.0% surprise

2025-10-21

$0.9

+9.9% surprise

2025-07-22

$0.61

-21.5% surprise

Financial Services Sector Comparison

Comparing PEBO against 484 companies in the Financial Services sector (87 bullish, 202 neutral, 195 bearish)

P/E Ratio

11.26

This Stock

46.02

Sector Avg

-75.5% (Discount)

Return on Equity (ROE)

9.21%

This Stock

0.23%

Sector Avg

+3927.0% (Excellent)

Profit Margin

25.6%

This Stock

50.44%

Sector Avg

-49.2% (Weaker)

Revenue Growth

3.7%

This Stock

37.35%

Sector Avg

-90.1% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
PEBO Peoples Bancorp Inc.	NEUTRAL	$1.21B	11.26	9.2%	25.6%	$33.66
FMBH First Mid Bancshares, Inc.	BULLISH	$1.17B	11.29	10.2%	27.0%	$43.93	Compare
PFBC Preferred Bank	BULLISH	$1.15B	9.07	17.2%	47.5%	$94.41	Compare
OSBC Old Second Bancorp, Inc.	BULLISH	$1.14B	13.29	10.2%	25.8%	$21.67	Compare
AMAL Amalgamated Financial Corp.	NEUTRAL	$1.14B	11.17	13.9%	33.4%	$38.1	Compare

PEBO Peoples Bancorp Inc.

NEUTRAL

Mkt Cap

$1.2B

P/E

11.3

ROE

9.2%

Price

$33.66

Compare with PEBO

Compare with PEBO

Compare with PEBO

Compare with PEBO

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-31	REEVES KEVIN R.	Director	Stock Award	399	$13,115
2026-03-31	DIERKER DAVID F	Director	Stock Award	399	$13,115
2026-03-31	SCHNEEBERGER CAROL A	Director	Stock Award	399	$13,115
2026-03-31	JAMES BROOKE WILLIAMS	Director	Stock Award	399	$13,115
2026-03-31	BEAM S CRAIG	Director	Stock Award	399	$13,115
2026-03-31	HOGAN W GLENN	Director	Stock Award	399	$13,115
2026-03-31	VITTORIO MICHAEL NICHOLAS	Director	Stock Award	399	$13,115
2026-03-11	SCHNEEBERGER CAROL A	Director	Sale	1,895	$59,446
2026-03-09	SCHNEEBERGER CAROL A	Director	Sale	1,000	$31,410
2026-03-03	KIRKHAM MICHAEL RYAN	General Counsel	Sale	986	$32,016
2026-02-23	BEAM S CRAIG	Director	Stock Award	137	$4,472
2026-02-13	WYATT DOUGLAS VINCENT	Officer	Stock Award	4,456	$149,543
2026-02-13	MACIA MATTHEW JOSEPH	Officer	Stock Award	4,170	$139,945
2026-02-13	KIRKHAM MICHAEL RYAN	General Counsel	Stock Award	6,446	$216,328
2026-02-13	EAKLE JASON M	Officer	Stock Award	4,707	$157,967

REEVES KEVIN R.

Director

Stock Award

2026-03-31

399 shares · $13,115

DIERKER DAVID F

Director

Stock Award

2026-03-31

399 shares · $13,115

SCHNEEBERGER CAROL A

Director

Stock Award

2026-03-31

399 shares · $13,115

JAMES BROOKE WILLIAMS

Director

Stock Award

2026-03-31

399 shares · $13,115

BEAM S CRAIG

Director

Stock Award

2026-03-31

399 shares · $13,115

HOGAN W GLENN

Director

Stock Award

2026-03-31

399 shares · $13,115

VITTORIO MICHAEL NICHOLAS

Director

Stock Award

2026-03-31

399 shares · $13,115

SCHNEEBERGER CAROL A

Director

Sell

2026-03-11

1,895 shares · $59,446

SCHNEEBERGER CAROL A

Director

Sell

2026-03-09

1,000 shares · $31,410

KIRKHAM MICHAEL RYAN

General Counsel

Sell

2026-03-03

986 shares · $32,016

BEAM S CRAIG

Director

Stock Award

2026-02-23

137 shares · $4,472

WYATT DOUGLAS VINCENT

Officer

Stock Award

2026-02-13

4,456 shares · $149,543

MACIA MATTHEW JOSEPH

Officer

Stock Award

2026-02-13

4,170 shares · $139,945

KIRKHAM MICHAEL RYAN

General Counsel

Stock Award

2026-02-13

6,446 shares · $216,328

EAKLE JASON M

Officer

Stock Award

2026-02-13

4,707 shares · $157,967

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

2026-03-06

PEBO filed a definitive proxy statement (DEF 14A) on March 6, 2026, providing shareholders with information regarding matters to be voted on at an upcoming meeting.

10-K

2026-02-26

Peoples Bancorp Inc. is a financial holding company that operates primarily through its wholly-owned subsidiary, Peoples Bank. While the provided filing excerpts include sections for financial statements and risk factors, specific financial highlights and detailed risk disclosures were not included in the available text.

8-K

2026-02-02

PEBO filed an 8-K on February 2, 2026, likely to announce its financial results for the fourth quarter and full year ended December 31, 2025.

8-K

2026-01-26

8-K

2026-01-20

8-K

2025-11-03

PEBO filed a current report on November 3, 2025, likely announcing its third-quarter financial results.

10-Q

2025-10-30

PEBO filed its 10-Q on October 30, 2025. While the filing includes a section dedicated to risk factors, specific financial highlights and detailed risk disclosures were not provided in the available excerpts.

8-K

2025-10-27

PEBO filed an 8-K on October 27, 2025, likely to announce its third-quarter financial results.

8-K

2025-10-21

10-Q

2025-07-31

PEBO filed its 10-Q on July 31, 2025. While the filing includes a section dedicated to risk factors, specific financial highlights and detailed risk disclosures were not provided in the available excerpts.

8-K

2025-07-28

8-K

2025-07-28

8-K

2025-07-22

10-Q

2025-05-01

8-K

2025-04-29

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

HOLD

6 analysts

Piper Sandler

2025-10-22

Maintains

Overweight Overweight

Past News Coverage

Recent headlines mentioning PEBO from our newsroom.

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PEBO

PEBO Peoples Bancorp Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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