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Market Price

33.75 

0.15 0.5%

as of Apr 12 '21

52 Week Range:

18.35 36.75


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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 real estate construction loans, other commercial real estate loans, commercial and industrial loans, residential real estate loans, home equity lines of credit, and indirect and other consumer loans. It also offers overdraft protection services; debit and automated teller machine (ATM) cards; corporate and personal trust services; safe deposit rental facilities; money orders and cashier's checks; and telephone, mobile, and Internet-based banking services. In addition, the company provides various life, health, and property and casualty insurance products; and fiduciary and asset management and administration services, as well as employee benefit plans. Further, it offers brokerage services through an unaffiliated registered broker-dealers; and credit cards to individuals and businesses, as well as provides merchant credit card transaction processing services through joint marketing arrangements with third parties. As of January 23, 2018, the company operated 74 locations, including 65 full-service bank branches and 72 ATMs in Ohio, West Virginia, and Kentucky. Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 18.36
19.67
21.02
20.96
21.52
23.15
24.21
25.01
25.83
28.50
29.06
growth rate 7.1% 6.9% -0.3% 2.7% 7.6% 4.6% 3.3% 3.3% 10.3% 2.0%
Earnings BIT 5.75
17.15
29.91
29.08
28.77
19.33
49.92
63.20
54.94
65.36
42.65
growth rate 198.3% 74.4% -2.8% -1.1% -32.8% 158.2% 26.6% -13.1% 19.0% -34.8%
Avg.PE 46.30
13.85
10.55
13.68
17.56
30.66
18.91
16.73
15.88
15.88
15.88
growth rate -70.1% -23.8% 29.7% 28.4% 74.6% -38.3% -11.5% -5.1% 0.0% 0.0%
ROA 0.18
0.62
1.09
0.88
0.72
0.37
0.93
1.10
1.22
1.29
0.76
growth rate 244.4% 75.8% -19.3% -18.2% -48.6% 151.4% 18.3% 10.9% 5.7% -41.1%
ROE 1.78
5.62
9.46
7.93
5.90
2.85
7.25
8.61
9.45
9.64
5.94
growth rate 215.7% 68.3% -16.2% -25.6% -51.7% 154.4% 18.8% 9.8% 2.0% -38.4%
ROIC 7.36
6.71
7.45
5.76
4.52
growth rate -8.8% 11.0% -22.7% -21.5%
Leverage 9.57
8.68
8.65
9.29
7.55
7.76
7.89
7.81
7.67
7.33
8.27
growth rate -9.3% -0.4% 7.4% -18.7% 2.8% 1.7% -1.0% -1.8% -4.4% 12.8%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Payable 19.87
27.43
21.38
1,933.07
2,535.94
2,509.72
2,730.33
2,955.47
3,291.41
3,910.46
growth rate 38.0% -22.0% 8,941.1% 31.2% -1.0% 8.8% 8.3% 11.4% 18.8%
Cur.Assets 66.77
73.80
75.83
79.51
77.61
141.69
197.76
growth rate 10.5% 2.8% 4.9% -2.4% 82.6% 39.6%
Total Assets 1,838.00
1,794.16
1,918.05
2,059.11
2,567.77
3,258.97
3,432.35
3,581.69
3,991.45
4,354.17
4,760.76
growth rate -2.4% 6.9% 7.4% 24.7% 26.9% 5.3% 4.4% 11.4% 9.1% 9.3%
Cash 74.60
708.18
771.63
734.35
45.75
49.82
48.15
53.49
77.61
115.19
152.10
growth rate 849.3% 9.0% -4.8% -93.8% 8.9% -3.4% 11.1% 45.1% 48.4% 32.0%
Inventory 0.95
0.73
0.66
0.21
0.09
0.23
0.13
growth rate -22.5% -9.8% -68.5% -54.8% 141.5% -41.0%
Cur.Liabilities 2,048.57
2,725.51
2,851.93
2,979.08
356.20
316.98
73.26
growth rate 33.0% 4.6% 4.5% -88.0% -11.0% -76.9%
Liabilities 1,607.30
1,587.50
1,696.32
1,837.56
2,227.65
2,839.18
2,997.09
3,123.09
3,471.31
3,759.77
4,185.09
growth rate -1.2% 6.9% 8.3% 21.2% 27.5% 5.6% 4.2% 11.2% 8.3% 11.3%
LT Debt 2,010.00
2,011.00
2,012.00
2,013.00
179.08
113.67
145.16
144.02
109.64
83.12
110.57
growth rate 0.1% 0.1% 0.1% -91.1% -36.5% 27.7% -0.8% -23.9% -24.2% 33.0%
Equity 230.70
206.66
221.73
221.55
340.12
419.79
435.26
458.59
520.14
594.39
575.67
growth rate -10.4% 7.3% -0.1% 53.5% 23.4% 3.7% 5.4% 13.4% 14.3% -3.2%
Common Shares 10.00
10.00
11.00
11.00
12.00
18.00
18.00
18.00
19.52
20.65
19.51
growth rate 0.0% 10.0% 0.0% 9.1% 50.0% 0.0% 0.0% 8.5% 5.8% -5.5%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 2.00
1.29
4.53
6.60
7.11
9.43
5.44
4.87
4.53
2.81
4.30
growth rate -35.5% 251.2% 45.8% 7.6% 32.7% -42.4% -10.5% -6.9% -38.0% 53.0%
Cash Dividends 5.80
5.15
4.46
5.42
6.77
10.07
11.17
14.71
-20.92
-25.94
-27.05
growth rate -11.1% -13.5% 21.6% 24.9% 48.7% 11.0% 31.6% -100.0% 0.0% 0.0%
Cash From OA 45.10
43.38
41.25
40.46
31.50
47.88
60.66
61.03
75.24
67.16
85.48
growth rate -3.8% -4.9% -1.9% -22.2% 52.0% 26.7% 0.6% 23.3% -10.8% 27.3%
FCF per Share 4.14
4.10
3.49
4.10
1.82
2.04
2.85
3.31
3.17
3.69
3.32
growth rate -1.0% -14.9% 17.5% -55.6% 12.1% 39.7% 16.1% -4.2% 16.4% -10.0%
Sale Purchase of Stock -39.18
-1.35
-0.22
40.24
0.02
0.02
-0.50
0.03
-0.80
growth rate 0.0% 0.0% 100.0% -100.0% 0.0% -100.0% 100.0% -100.0%
FCF 43.00
42.00
37.00
34.00
24.00
38.00
55.00
56.00
71.00
64.00
81.00
growth rate -2.3% -11.9% -8.1% -29.4% 58.3% 44.7% 1.8% 26.8% -9.9% 26.6%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 89.70
107.63
103.66
104.63
109.50
131.11
152.90
165.18
249.04
0.40
0.65
growth rate 20.0% -3.7% 0.9% 4.7% 19.7% 16.6% 8.0% 50.8% -99.8% 60.2%
Op.Income 5.80
12.56
20.39
17.57
28.27
31.47
52.78
63.42
54.94
65.36
42.65
growth rate 116.5% 62.4% -13.8% 60.8% 11.3% 67.7% 20.2% -13.4% 19.0% -34.8%
IBT 5.75
17.15
29.91
29.08
24.18
14.82
45.28
57.20
54.94
65.36
42.65
growth rate 198.3% 74.4% -2.8% -16.9% -38.7% 205.6% 26.3% -4.0% 19.0% -34.8%
Net Income 5.60
12.56
20.39
17.57
16.68
10.94
31.16
38.47
46.26
53.70
34.77
growth rate 124.2% 62.4% -13.8% -5.1% -34.4% 184.8% 23.5% 20.2% 16.1% -35.3%
EPS 0.34
1.07
1.92
1.63
1.35
0.61
1.71
2.10
2.41
2.63
1.73
growth rate 214.7% 79.4% -15.1% -17.2% -54.8% 180.3% 22.8% 14.8% 9.1% -34.2%
Gross Profit 107.44
128.21
150.56
162.61
198.79
0.40
0.65
growth rate 19.3% 17.4% 8.0% 22.3% -99.8% 60.2%
R&D 0.00
growth rate

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 17.63
-0.92
5.89
12.85
24.84
growth rate -100.0% 100.0% 118.3% 93.3%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Payable 3,291.41
3,398.43
4,024.88
3,952.01
3,910.46
growth rate 3.3% 18.4% -1.8% -1.1%
Cur.Assets 141.69
165.87
236.28
168.67
197.76
growth rate 17.1% 42.5% -28.6% 17.3%
Total Assets 4,354.17
4,469.12
4,985.82
4,911.81
4,760.76
growth rate 2.6% 11.6% -1.5% -3.1%
Cash 115.19
163.65
219.27
161.25
152.10
growth rate 42.1% 34.0% -26.5% -5.7%
Inventory 0.23
0.23
0.24
0.29
0.13
growth rate -0.4% 4.4% 24.2% -54.3%
Cur.Liabilities 316.98
259.66
177.91
182.06
73.26
growth rate -18.1% -31.5% 2.3% -59.8%
Liabilities 3,759.77
3,885.40
4,416.64
4,344.95
4,185.09
growth rate 3.3% 13.7% -1.6% -3.7%
LT Debt 83.12
132.79
112.54
111.39
110.57
growth rate 59.8% -15.3% -1.0% -0.7%
Equity 594.39
583.72
569.18
566.86
575.67
growth rate -1.8% -2.5% -0.4% 1.6%
Common Shares 20.60
20.30
19.87
19.67
19.51
growth rate -1.5% -2.1% -1.0% -0.8%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 0.05
1.03
1.69
0.98
0.60
growth rate 1,915.7% 64.8% -42.2% -39.1%
Cash Dividends -6.73
-6.92
-6.56
-6.67
-6.91
growth rate 0.0% 0.0% 0.0% 0.0%
Cash From OA 14.63
18.22
11.82
25.95
29.49
growth rate 24.5% -35.1% 119.5% 13.7%
Sale Purchase of Stock -0.37
-10.23
-9.73
-4.78
growth rate 0.0% 0.0% 0.0%
FCF 14.58
17.19
10.13
24.97
28.89
growth rate 17.9% -41.1% 146.5% 15.7%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales -165.61
0.18
0.12
0.23
0.13
growth rate 100.0% -33.7% 96.6% -43.9%
Op.Income 17.63
-0.92
5.89
12.85
24.84
growth rate -100.0% 100.0% 118.3% 93.3%
IBT 17.63
-0.92
5.89
12.85
24.84
growth rate -100.0% 100.0% 118.3% 93.3%
Net Income 14.86
-0.77
4.75
10.21
20.57
growth rate -100.0% 100.0% 115.0% 101.5%
EPS
growth rate
Gross Profit -165.61
0.18
41.35
0.23
0.13
growth rate 100.0% 23,529.1% -99.5% -43.9%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (33.69)

YOY Growth Grade:

D (34.24)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 15.88 15.93 11.85
EPS / Growth 3.3% 2.12 8.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 8.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.3% 6.5% 6.5%
Future PE 6.64 13.58 13.58
Future EPS 2.94 3.98 3.98
Value Price
MOS %
4.82
-85.7%
13.35
-60.4%
13.35
-60.4%
MOS Price 2.41 6.67 6.67
IRT 12.65 10.78 10.78

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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