Peoples Bancorp

PEBO

Banks - Regional · Financial Services

Price

$39.39

-0.56 (-1.40%)

Market Cap

$1.42B

Exchange

NASDAQ

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Share count rising — dilution

+61.0% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 22.0M (2021) → 35.4M (2025)

Peoples Bancorp Inc. operates as the holding company for Peoples Bank that provides commercial and retail banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; 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 al

Winston Score History

Politician Trades

1 trades / 12mo

0 Congressional buys and 1 sell on PEBO in the last 12 months.

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Score breakdown

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Quality

Gross Margin

70.3%

Premium pricing power — 70.3% gross margin

Operating Margin

24.1%

Excellent — 24.1% operating margin

ROCE

2.0%

Weak — 2.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-2.4%

Shrinking sales (-2.4% YoY)

EPS YoY

-1.6%

Earnings shrinking (-1.6% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

121%

Turns 121% of profit into real cash

FCF Margin

20.6%

Converts sales into free cash efficiently (20.6%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.57

Conservative — low debt load (0.57)

Interest Cover

0.77x

Dangerous — barely covers interest (0.8x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

12.5x

Attractive valuation — P/E 12.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+1.2

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

4.26%

Healthy income — 4.26% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth

+2.5%

Dividend flat

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