Peoples Bancorp Inc. Common Stock (PEBO)

FairStock Score: 61/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Peoples Bancorp is a $1.3 billion regional bank holding company. It takes deposits and makes commercial and consumer loans. That is a business I can understand, but the moat is modest: local relationships and deposit franchises matter, yet most regional banks are price takers on loans and must manage credit and funding carefully. The price is reasonable. At the close on 2026-10-13, $35.95, FairStock calculates a P/E of 10.86, P/B of 1.02, dividend yield of 4.67%, and PEG of 0.34. FairStock's ROE is 9.89%. A bank earning around 10% on equity should not command a large premium to book, so P/B 1.02 looks fair, maybe slightly cheap with the dividend. The low beta of 0.61 adds defensiveness. The growth record is mixed. In fiscal Q2 2026, the quarter ended 2026-06-30, filed net income was $28.0M and diluted EPS $0.78, up from $21.2M and $0.59 in fiscal Q2 2025, the quarter ended 2025-06-30. But in fiscal year 2025, the year ended 2025-12-31, net income was $106.8M and EPS $2.99, down from fiscal year 2024, the year ended 2024-12-31, when net income was $117.2M and EPS $3.31; fiscal year 2023, the year ended 2023-12-31, had $113.4M and $3.44. Filed revenue was $86.7M in fiscal year 2025, $84.8M in fiscal year 2024, and $79.5M in fiscal year 2023. FairStock labels it a stalwart, citing 25.2% annual profit growth and 10.0% revenue growth over five years, but the latest full year shows volatility. Piotroski 4/9 and revenue growth of -1.31% keep me cautious. The data lacks CET1, net interest margin, nonperforming loans, reserves, and charge-offs. For a bank, those are the real tests. Without them, a 4.67% yield and near-book price are interesting, not compelling.

In plain English: Peoples Bancorp is a regional bank holding company that takes deposits and makes loans. The business looks steady but not spectacular: annual profits slipped in fiscal 2025 even though the latest quarter was better than a year earlier. At $35.95, the stock looks roughly fairly priced to slightly cheap for a bank with a solid dividend, but the available numbers do not show enough about loan quality.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer