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Upturn AI SWOT - About
PEBO 
Peoples Bancorp Inc (PEBO)
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Upturn Advisory Summary
04/01/2025: PEBO (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -27.84% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.06B USD | Price to earnings Ratio 8.95 | 1Y Target Price 35.92 |
Price to earnings Ratio 8.95 | 1Y Target Price 35.92 | ||
Volume (30-day avg) 141463 | Beta 0.74 | 52 Weeks Range 25.73 - 36.62 | Updated Date 04/1/2025 |
52 Weeks Range 25.73 - 36.62 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 5.39% | Basic EPS (TTM) 3.31 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.73% | Operating Margin (TTM) 16.09% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 10.83% |
Valuation
Trailing PE 8.95 | Forward PE 9.8 | Enterprise Value 1258886656 | Price to Sales(TTM) 1.87 |
Enterprise Value 1258886656 | Price to Sales(TTM) 1.87 | ||
Enterprise Value to Revenue 3.31 | Enterprise Value to EBITDA - | Shares Outstanding 35670200 | Shares Floating 33590724 |
Shares Outstanding 35670200 | Shares Floating 33590724 | ||
Percent Insiders 3.37 | Percent Institutions 59.6 |
Analyst Ratings
Rating 3.43 | Target Price 36.75 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Peoples Bancorp Inc
Company Overview
History and Background
Peoples Bancorp Inc. was founded in 1902 in Marietta, Ohio. It began as a single community bank and has grown through organic expansion and acquisitions into a multi-bank holding company.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending, deposit, and treasury management services to businesses.
- Retail Banking: Provides personal banking services including checking, savings, mortgages, and consumer loans.
- Wealth Management: Offers wealth management and trust services to individuals and families.
- Insurance: Provides insurance products and services through its insurance subsidiaries.
Leadership and Structure
Chuck Sulerzyski serves as President and CEO. The company operates with a board of directors overseeing management, and a structure organized around its core business areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes (e.g., working capital, equipment). Market share data is not publicly available. Competitors include Huntington Bancshares (HBAN), Fifth Third Bancorp (FITB).
- Mortgages: Residential mortgage loans to individuals. Market share data is not publicly available. Competitors include U.S. Bancorp (USB), KeyCorp (KEY).
- Deposit Accounts: Checking, savings, and money market accounts. Market share data is not publicly available. Competitors include Chase (JPM), Bank of America (BAC).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increasing competition from fintech companies.
Positioning
Peoples Bancorp Inc. is a regional bank with a strong presence in its core markets. Its competitive advantage lies in its local knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the regions Peoples Bancorp operates is estimated to be in the billions of dollars. Peoples Bancorp is positioned to capture a portion of this TAM through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Diversified revenue streams
- Solid asset quality
Weaknesses
- Limited geographic reach
- Lower brand recognition compared to larger banks
- Vulnerability to regional economic downturns
Opportunities
- Potential for further acquisitions
- Expansion of wealth management services
- Increased focus on digital banking
- Growth in existing markets
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- HBAN
- FITB
- KEY
Competitive Landscape
Peoples Bancorp Inc. competes with larger regional and national banks. Its strength lies in its community focus, but it faces challenges in terms of scale and brand recognition.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth is not available.
Future Projections: Future Projections not available.
Recent Initiatives: Recent initiatives not available.
Summary
Peoples Bancorp Inc. is a well-established regional bank with a solid foundation in its communities. Its strengths include experienced management and diversified revenue streams. However, it faces challenges related to its limited geographic reach and competition from larger banks. The company should focus on expanding its digital presence and wealth management services to drive future growth.
Similar Companies
- HBAN
- FITB
- KEY
- USB
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be precise. Financial metrics and projections are not available. Always consult with a qualified financial advisor before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Peoples Bancorp Inc
Exchange NASDAQ | Headquaters Marietta, OH, United States | ||
IPO Launch date 1993-02-11 | President, CEO & Director Mr. Tyler J. Wilcox | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1479 | Website https://www.peoplesbancorp.com |
Full time employees 1479 | Website https://www.peoplesbancorp.com | ||
Peoples Bancorp Inc. operates as the financial holding company for Peoples Bank that provides commercial and consumer banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, certificates of deposit, and governmental deposits; 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 also offers debit and automated teller machine (ATM) cards; safe deposit rental facilities; money orders and cashier's checks; and online, telephone, and mobile banking services. In addition, it provides various life, health, and property and casualty insurance products; third-party insurance administration; interactive teller machines; insurance premium financing; commercial and technology equipment leasing; fiduciary and trust; equipment financing agreements; and asset management and administration services, as well as employee benefit, retirement, and health care plan administration services. Further, the company offers brokerage services through an unaffiliated registered broker-dealer; and credit cards to individuals and businesses, as well as merchant credit card transaction processing, and person-to-person and business-to-business payment processing services. Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio.
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