Peoples Bancorp (Peoples Bancorp) Accounts Receivable : $0.76 Mil (As of Mar. 2012)

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What is Peoples Bancorp Accounts Receivable?

Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Peoples Bancorp's accounts receivables for the quarter that ended in Mar. 2012 was $0.76 Mil.

Accounts receivable can be measured by Days Sales Outstanding. Peoples Bancorp's Days Sales Outstanding for the quarter that ended in Mar. 2012 was 25.72.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Peoples Bancorp's Net-Net Working Capital per share for the quarter that ended in Mar. 2012 was $-248.62.

Peoples Bancorp Accounts Receivable Historical Data

The historical data trend for Peoples Bancorp's Accounts Receivable can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Peoples Bancorp Accounts Receivable Chart

Peoples Bancorp Annual Data

Trend

Dec05

Dec06

Dec07

Dec08

Dec09

Dec10

Dec11

Accounts Receivable

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1.82

1.58

1.45

1.36

1.09

Peoples Bancorp Quarterly Data
	Jun07	Sep07	Dec07	Mar08	Jun08	Sep08	Dec08	Mar09	Jun09	Sep09	Dec09	Mar10	Jun10	Sep10	Dec10	Mar11	Jun11	Sep11	Dec11	Mar12
Accounts Receivable	Get a 7-Day Free Trial															1.01	1.03	1.04	1.09	0.76

Peoples Bancorp Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

Peoples Bancorp Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

Peoples Bancorp's Days Sales Outstanding for the quarter that ended in Mar. 2012 is calculated as:

	Days Sales Outstanding
=	Accounts Receivable	/	Revenue	*	Days in Period
=	0.76	/	2.696	*	91
=	25.72

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Peoples Bancorp's accounts receivable are only considered to be worth 75% of book value:

Peoples Bancorp's Net-Net Working Capital Per Share for the quarter that ended in Mar. 2012 is calculated as:

	Net-Net Working Capital Per Share
=	(Cash And Cash Equivalents	+	0.75 * Accounts Receivable	+	0.5 * Total Inventories	-	Total Liabilities
-	Preferred Stock	-	Minority Interest)	/	Shares Outstanding (EOP)
=	(33.1	+	0.75 * 0.76	+	0.5 * 0	-	227.471
-	0	-	0)	/	0.77951
=	-248.62

Be Aware

Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.

Peoples Bancorp Accounts Receivable Related Terms

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Peoples Bancorp (Peoples Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Peoples Bancorp Inc (OTCPK:PEBC) » Definitions » Accounts Receivable

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Traded in Other Exchanges

N/A

Address

100 Spring Avenue, P.O. Box 210, Chestertown, MD, USA, 21620-0210

Website

https://www.pbkc.com

Peoples Bancorp Inc is a diversified financial products and services company. It offers a complete line of banking, investment, insurance, and trust solutions in Kent, Cecil, Queen Anne's, and Talbot Counties, Maryland. The Bank offers deposit services and loans to individuals, small businesses, associations, and government entities. Other services include direct deposit of payroll and social security checks, automatic drafts from accounts, automated teller machine services, cash management services, safe deposit boxes, money orders, and online banking with bill payment service. Its operating segment includes Community banking and Insurance.

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