Growth is the primary weakness (avg 35/100). Valuation is the relative bright spot.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
1.2x book, reasonable for a financial
Below 2%, essentially flat
5–8% BVPS CAGR, steady compounding
Business Quality & Capital Allocation
Heavy dilution above 5%
5–10%, adequate but not exceptional
12.7% equity/assets, well-capitalized
Net margin expanded 3+pp, strong improvement
Peoples Bancorp (PEBO) quality: score, margins and returns
Peoples Bancorp (PEBO) scores 64/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100, on 241.8% operating margins and 6.1% ROIC. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Peoples Bancorp (PEBO) a high-quality business?+
Peoples Bancorp scores 64 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Recent figures include a 241.8% operating margin and a 6.1% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Peoples Bancorp's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from PEBO's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Peoples Bancorp scores well and where it falls behind.
What is Peoples Bancorp's return on invested capital (ROIC)?+
Peoples Bancorp earns about 6.1% on its invested capital, which is modest. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to PEBO's margins and growth on this scorecard to judge durability.
How profitable is Peoples Bancorp?+
Peoples Bancorp runs an operating margin of about 241.8% and a net margin of about 192.6%. Revenue has grown at roughly -15.4% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.
SourceQuality score computed from the 10-Q filed 28 Oct 2026, covering the period ending 30 Sept 2026, as reported to the SEC. Data last refreshed 30 Oct 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
State Commercial Banks · Pick stocks to compare with PEBO
Held by ETFs
PEBO is in 59 US ETFs. The largest of them, with PEBO's weight in each:
Spot a number that looks wrong? Check it in PEBO's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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