Peoples BancorpPEBC 63 FCF Margin % is 23.92% as of Dec. 2024, which is 18% above its 10-year median of 20.29. GuruFocus rates PEBC with a GF Score™ of 63/100 and a GF Value™ of $39.39 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,505 Banks companies, Peoples Bancorp ranks worse than 53.42% on this metric.
The historical rank and industry rank for Peoples Bancorp's FCF Margin % or its related term are showing as below:
PEBC'
s FCF Margin % Range Over the Past 10 Years
Min: 11.92 Med: 20.29 Max: 38.36
Current: 23.92
During the past 13 years, the highest FCF Margin % of Peoples Bancorp was 38.36%. The lowest was 11.92%. And the median was 20.29%.
PEBC's FCF Margin % is ranked worse than 53.42% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs PEBC: 23.92
Peoples Bancorp FCF Margin % Related Terms
Peoples Bancorp FCF Margin % Historical Data
* Premium members only.
The historical data trend for Peoples Bancorp's FCF Margin % 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.
For the Banks - Regional subindustry, Peoples Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Peoples Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp's FCF Margin % falls into.
* 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.
Peoples Bancorp (PEBC) has a FCF Margin % of 23.92% as of Dec. 2024. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Peoples Bancorp and its competitors. This is 18% above median its historical median of 20.29. Over the past decade, Peoples Bancorp's FCF Margin % has ranged from 11.92 to 38.36. According to the industry distribution chart, Peoples Bancorp ranks #804 out of 1505 companies in the Banks industry, placing it in the top 53.4%.
Is Peoples Bancorp's FCF Margin % too high?
Peoples Bancorp's current FCF Margin % of 23.92% is 18% above median its 10-year median of 20.29. Over the past 10 years, this metric has ranged from a low of 11.92 to a high of 38.36. The Banks industry median FCF Margin % is 26.42. Peoples Bancorp's value of 23.92% is 9.5% below this industry median. Based on the distribution chart, Peoples Bancorp ranks #804 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Peoples Bancorp has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Peoples Bancorp's FCF Margin % compare to FCRM and LFLS?
According to the Banks industry distribution chart, Peoples Bancorp ranks #804 out of 1505 companies for FCF Margin %. This places Peoples Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.42. Peoples Bancorp's value of 23.92% is 9.5% below this benchmark. Historically, Peoples Bancorp's own FCF Margin % has ranged from 11.92 to 38.36 over the past decade. While the company's 10-year median is 20.29 vs. the industry median of 26.42, Peoples Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp's current FCF Margin % of 23.92% is 9.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Peoples Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp's current FCF Margin % is 23.92%, which is 18% above median its own 10-year median of 20.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Peoples Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Peoples Bancorp (PEBC) is currently considered Significantly Undervalued. The stock's GF Value™ is $39.39, compared to a current price of $0.80 — trading 98% below its estimated fair value. The current FCF Margin % is 23.92%, which is 18% above median its 10-year median of 20.29 and 9.5% below the Banks industry median of 26.42. Peoples Bancorp's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Peoples Bancorp (PEBC), the current FCF Margin % is 23.92% as of Dec. 2024. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Peoples Bancorp (PEBC) Overvalued in 2026?
Based on GuruFocus' analysis, Peoples Bancorp stock appears to be undervalued.
The current stock price of $0.80 is trading 98% below its estimated GF Value™ of $39.39.
GuruFocus considers Peoples Bancorp to be Significantly Undervalued.
Key valuation signals for PEBC:
FCF Margin %: 23.92% (18% above median its 10-year median of 20.29)
GF Value™: $39.39 vs. price of $0.80 (98% below fair value)
Industry Position: 9.5% below the Banks median (#804 of 1505)
No single metric tells the full story. See the PEBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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. Majority of revenue is from Community Banking.
63GF Score
Get the complete analysis for PEBC
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PEBC has been successfully added to your 
