Peoples BancorpPEBC 42 Net Margin % is 18.31% as of Dec. 2024, which is 6% above its 10-year median of 17.27. GuruFocus rates PEBC with a GF Score™ of 42/100 and a GF Value™ of $39.57 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,526 Banks companies, Peoples Bancorp ranks worse than 74.51% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Peoples Bancorp's Net Income for the
six
months ended in Dec. 2024 was $3.30 Mil. Peoples Bancorp's Revenue for the
six
months ended in Dec. 2024 was $18.00 Mil. Therefore, Peoples Bancorp's net margin for the quarter that ended in Dec. 2024 was 18.31%.
The historical rank and industry rank for Peoples Bancorp's Net Margin % or its related term are showing as below:
PEBC'
s Net Margin % Range Over the Past 10 Years
Min: -18.07 Med: 17.27 Max: 25.5
Current: 18.31
PEBC's Net Margin % is ranked worse than 74.51% of 1526
companies
in the Banks industry
Industry Median: 26.845
vs PEBC: 18.31
Peoples Bancorp (OTCPK:PEBC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Peoples Bancorp Net Margin % Related Terms
Peoples Bancorp Net Margin % Historical Data
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The historical data trend for Peoples Bancorp's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp's Net 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 Net Margin % of 18.31% as of Dec. 2024. Net margin is the ratio of total net income to net sales. View historical data on Peoples Bancorp and its competitors. This is near median its historical median of 17.27. According to the industry distribution chart, Peoples Bancorp ranks #1137 out of 1526 companies in the Banks industry, placing it in the top 74.5%.
Is Peoples Bancorp's Net Margin % too high?
Peoples Bancorp's current Net Margin % of 18.31% is near median its 10-year median of 17.27. The Banks industry median Net Margin % is 26.85. Peoples Bancorp's value of 18.31% is 31.8% below this industry median. Based on the distribution chart, Peoples Bancorp ranks #1137 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Peoples Bancorp has a GF Score™ of 42/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Peoples Bancorp's Net Margin % compare to SHFS and PNC?
According to the Banks industry distribution chart, Peoples Bancorp ranks #1137 out of 1526 companies for Net Margin %. This places Peoples Bancorp in the lower half of its industry. The industry median Net Margin % is 26.85. Peoples Bancorp's value of 18.31% is 31.8% below this benchmark. While the company's 10-year median is 17.27 vs. the industry median of 26.85, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp's current Net Margin % of 18.31% is 31.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Peoples Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp's current Net Margin % is 18.31%, which is near median its own 10-year median of 17.27. 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 $39.57, compared to a current price of $2.00 — trading 94.9% below its estimated fair value. The current Net Margin % is 18.31%, which is near median its 10-year median of 17.27 and 31.8% below the Banks industry median of 26.85. Peoples Bancorp's overall GF Score™ is 42/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Peoples Bancorp (PEBC), the current Net Margin % is 18.31% 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 $2.00 is trading 94.9% below its estimated GF Value™ of $39.57.
GuruFocus considers Peoples Bancorp to be Significantly Undervalued.
Key valuation signals for PEBC:
Net Margin %: 18.31% (near median its 10-year median of 17.27)
GF Value™: $39.57 vs. price of $2.00 (94.9% below fair value)
Industry Position: 31.8% below the Banks median (#1137 of 1526)
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.
42GF Score
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