Stock fact sheet · data as of
Peoples Bancorp Inc. (PEBO): fair value, margin of safety and Wheel Score
Ticker symbol PEBO · Financial Services · Banks - Regional · United States · Value Income
Is PEBO undervalued?
At 39.84 (close of 5 Nov 2026), PEBO trades 29% under the GLS average fair value of 56.28. 5 of the 9 models that produced a value land above the price. A discount of this size counts as a positive margin of safety in every GLS scan; whether it is enough depends on the rest of the picture - the health score, the moat and the option premium below.
The 9 models disagree widely: DCF gives 10.35 while 10 Cap gives 113.81. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, PEBO is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 64, growth score 29, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).
Nine valuation models for PEBO
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 10.35 | -74% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 52.24 | +31% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 111.69 | +180% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 42.34 | +6% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 16.13 | -60% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 113.81 | +186% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 96.75 | +143% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 24.57 | -38% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 38.63 | -3% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -43.67 | -210% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 45.00 | +13% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health PEBO scores 7/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 6.4 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 5.5%, ROE 8.8%, ROA 1.1% - with debt at 0.61 times equity and a free-cash-flow yield of 11.6%.
The dividend yield is high at 4.19% (payout ratio 49%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. Revenue comes mainly from Fiduciary and Trust 100% (quarter Q3 FY2026).
Institutional ownership scores 9/10, insider activity 2/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 26 Oct 2026.
| Piotroski F-score | 7 / 9 | ROIC | 5.5% |
|---|---|---|---|
| GLS Moat | 6.4 / 10 | ROE | 8.8% |
| Debt / equity | 0.61 | ROA | 1.1% |
| Free-cash-flow yield | 11.6% | Payout ratio | 49% |
| Institutions | 9 / 10 | Insiders · Congress | 2 · 5 / 10 |
Wheel Score 51: Fair
PEBO scores 51 out of 100 on the Wheel Score (Fair band, 50-69) because it fails filter 1, options that actually trade - options too quiet (811 open interest, 558 a day). A stock must pass all 9 Wheel Trade Filters to reach 70. Otherwise the parts read: value strong, premium strong, moat good, health good, red flags strong, option trading weak, stability fair.
Implied volatility is 34% on the near-the-money contracts 20-60 days out: enough to pass the 25-80% Wheel Trade Filter, but under the 35-60% sweet spot the score rewards most. Chain open interest is thin - 811 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 558k shares a day on a market cap of $1.4B, with a beta of 0.61 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (811 open interest, 558 a day) |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 29% below fair value | |
| Premium | Strong | implied volatility 34% | |
| Moat | Good | moat 6.4/10 | |
| Health | Good | Piotroski 7/9 | |
| Red Flags | Strong | Red Flags score 90/100 | |
| Option trading | Weak | 558 contracts a day, 811 open interest | |
| Stability | Fair | beta 0.61, $1.4B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 19 Jan 2027, 75 days away - outside the window of a 30-45-day put sold today.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Peoples Bancorp Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| WABC Westamerica Bancorporation | 61.28 | 63.28 | +3% | 36Weak | $1.4B |
| BHRB Burke & Herbert Financial Services Corp. | 71.90 | 85.16 | +16% | 25No options | $1.5B |
| TMP Tompkins Financial Corporation | 102.60 | 137.17 | +25% | 46Weak | $1.5B |
| BLX Bladex, Inc. | 51.27 | 161.65 | +68% | 47Weak | $1.5B |
| FMBH First Mid Bancshares, Inc. | 51.94 | 73.05 | +29% | 47Weak | $1.4B |
| HBT HBT Financial, Inc. | 37.81 | 40.86 | +7% | 35Weak | $1.4B |
| AMAL Amalgamated Financial Corp. | 50.82 | 77.15 | +34% | 48Weak | $1.5B |
| ESQ Esquire Financial Holdings, Inc. | 127.36 | 131.61 | +3% | 21No options | $1.5B |
| TFIN Triumph Financial, Inc. | 64.90 | 52.95 | -23% | 34Weak | $1.6B |
| LKFN Lakeland Financial Corporation | 62.90 | 56.81 | -11% | 40Weak | $1.6B |
| CTBI Community Trust Bancorp, Inc. | 70.71 | 104.51 | +32% | 48Weak | $1.3B |
| OSBC Old Second Bancorp, Inc. | 25.19 | 36.94 | +32% | 50Fair | $1.3B |
⚖ Compare PEBO with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about PEBO
Is PEBO undervalued right now?
By the GLS models, moderately: at 39.84 the stock trades 29% below the average fair value of 56.28 (data as of 5 Nov 2026).
What is the Wheel Score of PEBO and what does it mean?
PEBO scores 51 out of 100 (Fair) - it fails Wheel Trade Filter 1. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for PEBO?
56.28 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Peoples Bancorp Inc. report earnings next?
The next earnings report is due on 19 Jan 2027, 75 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does PEBO have listed options, and how liquid are they?
Yes. The nightly snapshot found 24 listed contracts with 811 open interest across all expiries and implied volatility of 34% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.