PEBC (Peoples Bancorp) Dividend Payout Ratio: 0.18 (As of Dec. 2024) — Near Median


PEBC Peoples Bancorp Inc PEBC
63 GF Score
Price $0.80
GF Value $39.41
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Peoples Bancorp Dividend Payout Ratio?

Peoples Bancorp PEBC 63 Dividend Payout Ratio is 0.18 as of Dec. 2024, which is 5% below its 10-year median of 0.19. GuruFocus rates PEBC with a GF Score™ of 63/100 and a GF Value™ of $39.41 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,168 Banks companies, Peoples Bancorp ranks better than 82.79% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Peoples Bancorp's Dividend Payout Ratio for the months ended in Dec. 2024 was 0.18.

The historical rank and industry rank for Peoples Bancorp's Dividend Payout Ratio or its related term are showing as below:

PEBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.12   Med: 0.19   Max: 0.36
Current: 0.18

During the past 13 years, the highest Dividend Payout Ratio of Peoples Bancorp was 0.36. The lowest was 0.12. And the median was 0.19.

PEBC's Dividend Payout Ratio is ranked better than
82.79% of 1168 companies
in the Banks industry
Industry Median: 0.32 vs PEBC: 0.18

As of today (2026-06-26), the Dividend Yield % of Peoples Bancorp is 52.50%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Peoples Bancorp was 102.50%. The lowest was 1.24%. And the median was 2.27%.

Peoples Bancorp's Dividends per Share for the months ended in Dec. 2024 was $0.82.

During the past 12 months, Peoples Bancorp's average Dividends Per Share Growth Rate was 9.30% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 4.40% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 2.60% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Peoples Bancorp was 15.30% per year. The lowest was 0.90% per year. And the median was 4.40% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Peoples Bancorp (OTCPK:PEBC) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Peoples Bancorp Dividend Payout Ratio Related Terms

Peoples Bancorp Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Peoples Bancorp's Dividend Payout Ratio 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.

Peoples Bancorp Dividend Payout Ratio Chart

Peoples Bancorp Annual Data
Trend Dec10 Dec11 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.24 0.36 0.17 0.12 0.18

Peoples Bancorp Semi-Annual Data
Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.24 0.36 0.17 0.12 0.18

PEBC vs FCRM, LFLS, PNC: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Peoples Bancorp's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Peoples Bancorp's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Peoples Bancorp's Dividend Payout Ratio falls into.


PEBC
63GF Score
Peoples Bancorp Inc PEBC
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Peoples Bancorp Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Peoples Bancorp's Dividend Payout Ratio for the fiscal year that ended in Dec. 2024 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2024 )/ EPS without NRI (A: Dec. 2024 )
=0.82/ 4.523
=0.18

Peoples Bancorp's Dividend Payout Ratio for the quarter that ended in Dec. 2024 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2024 )/ EPS without NRI (Q: Dec. 2024 )
=0.82/ 4.523
=0.18

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.18 mean?
Peoples Bancorp (PEBC) has a Dividend Payout Ratio of 0.18 as of Dec. 2024. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Peoples Bancorp and its competitors. This is near median its historical median of 0.19. Over the past decade, Peoples Bancorp's Dividend Payout Ratio has ranged from 0.12 to 0.36. According to the industry distribution chart, Peoples Bancorp ranks #201 out of 1168 companies in the Banks industry, placing it in the top 17.2%.
Is Peoples Bancorp's Dividend Payout Ratio too high?
Peoples Bancorp's current Dividend Payout Ratio of 0.18 is near median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.36. The Banks industry median Dividend Payout Ratio is 0.32. Peoples Bancorp's value of 0.18 is 43.8% below this industry median. Based on the distribution chart, Peoples Bancorp ranks #201 out of 1168 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Dividend Payout Ratio compare to FCRM and LFLS?
According to the Banks industry distribution chart, Peoples Bancorp ranks #201 out of 1168 companies for Dividend Payout Ratio. This places Peoples Bancorp in the top 17% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Peoples Bancorp's value of 0.18 is 43.8% below this benchmark. Historically, Peoples Bancorp's own Dividend Payout Ratio has ranged from 0.12 to 0.36 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp's current Dividend Payout Ratio of 0.18 is 43.8% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Peoples Bancorp and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp's current Dividend Payout Ratio is 0.18, which is near median its own 10-year median of 0.19. 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 $39.41, compared to a current price of $0.80 — trading 98% below its estimated fair value. The current Dividend Payout Ratio is 0.18, which is near median its 10-year median of 0.19 and 43.8% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Peoples Bancorp (PEBC), the current Dividend Payout Ratio is 0.18 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 $39.41. GuruFocus considers Peoples Bancorp to be Significantly Undervalued.

Key valuation signals for PEBC:

  • Dividend Payout Ratio: 0.18 (near median its 10-year median of 0.19)
  • GF Value™: $39.41 vs. price of $0.80 (98% below fair value)
  • GF Score™: 63/100 with 1 warning sign
  • Industry Position: 43.8% below the Banks median (#201 of 1168)

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 Business Description

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

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.80
Price
$39.41
GF Value