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Peoples Bancorp

PEBO
51
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
51
Winston is curious
Mixed quality — meaningful strengths and weaknesses.

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)
12.2x
no trend
Attractive valuation — P/E 12.2

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

P/E vs Forward
+0.9
GROWING
Earnings roughly flat

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Dividends

Dividend Yield
4.26%
no trend
Healthy income — 4.26% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth
+2.5%
no trend
Dividend flat

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