ScoreWhy is Peoples Bancorp, Inc. (Ohio) ?
1
High Profitability with a Net Interest Margin of 18.35%
2
Strong Long Term Fundamental Strength with a 29.79% CAGR growth in Net Profits
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 29.79%
4
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at USD 99.41 MM
5
With ROA of 0.77%, it has a very attractive valuation with a 0.99 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 5.99%, its profits have fallen by -9.4%
6
High Institutional Holdings at 61.95%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Peoples Bancorp, Inc. (Ohio) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Peoples Bancorp, Inc. (Ohio) for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Peoples Bancorp, Inc. (Ohio)
5.99%
0.54
25.06%
S&P 500
11.87%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
26.77%
EBIT Growth (5y)
18.16%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
54.52%
Pledged Shares
0
Institutional Holding
61.95%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.99
EV to EBIT
13.95
EV to EBITDA
12.37
EV to Capital Employed
0.99
EV to Sales
3.24
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
7.11%
ROE (Latest)
8.77%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 88.79%
NET PROFIT(Q)
Highest at USD 31.5 MM
EPS(Q)
Highest at USD 0.89
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 99.41 MM
Here's what is working for Peoples Bancorp, Inc. (Ohio)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Profit
Highest at USD 31.5 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.89
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 88.79%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 12.72%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Peoples Bancorp, Inc. (Ohio)
Operating Cash Flow
Lowest at USD 99.41 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
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