Peoples BancorpPEBC 63 PB Ratio is 0.02 as of Jun. 25, 2026, which is 97% below its 10-year median of 0.77. GuruFocus rates PEBC with a GF Score™ of 63/100 and a GF Value™ of $39.40 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,515 Banks companies, Peoples Bancorp ranks better than 99.93% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-25), Peoples Bancorp's share price is $0.80. Peoples Bancorp's Book Value per Share for the quarter that ended in Dec. 2024 was $49.00. Hence, Peoples Bancorp's PB Ratio of today is 0.02.
Good Sign:
Peoples Bancorp Inc stock PB Ratio (=0.02) is close to 10-year low of 0.02.
The historical rank and industry rank for Peoples Bancorp's PB Ratio or its related term are showing as below:
PEBC'
s PB Ratio Range Over the Past 10 Years
Min: 0.02 Med: 0.77 Max: 1.35
Current: 0.02
During the past 13 years, Peoples Bancorp's highest PB Ratio was 1.35. The lowest was 0.02. And the median was 0.77.
PEBC's PB Ratio is ranked better than 99.93% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs PEBC: 0.02
During the past 12 months, Peoples Bancorp's average Book Value Per Share Growth Rate was 10.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 4.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Peoples Bancorp was 7.30% per year. The lowest was -4.40% per year. And the median was 3.15% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Peoples Bancorp PB Ratio Related Terms
Peoples Bancorp PB Ratio Historical Data
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The historical data trend for Peoples Bancorp's PB 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.
For the Banks - Regional subindustry, Peoples Bancorp's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Peoples Bancorp's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Peoples Bancorp (PEBC) has a PB Ratio of 0.02 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Peoples Bancorp and its competitors. This is 97% below median its historical median of 0.77. Over the past decade, Peoples Bancorp's PB Ratio has ranged from 0.02 to 1.35. According to the industry distribution chart, Peoples Bancorp ranks #1 out of 1515 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is Peoples Bancorp's PB Ratio too high?
Peoples Bancorp's current PB Ratio of 0.02 is 97% below median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 1.35. The Banks industry median PB Ratio is 1.08. Peoples Bancorp's value of 0.02 is 98.1% below this industry median. Based on the distribution chart, Peoples Bancorp ranks #1 out of 1515 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 PB Ratio compare to FCRM and LFLS?
According to the Banks industry distribution chart, Peoples Bancorp ranks #1 out of 1515 companies for PB Ratio. This places Peoples Bancorp in the top 0% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.08. Peoples Bancorp's value of 0.02 is 98.1% below this benchmark. Historically, Peoples Bancorp's own PB Ratio has ranged from 0.02 to 1.35 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp's current PB Ratio of 0.02 is 98.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Peoples Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp's current PB Ratio is 0.02, which is 97% below median its own 10-year median of 0.77. 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 $39.40, compared to a current price of $0.80 — trading 98% below its estimated fair value. The current PB Ratio is 0.02, which is 97% below median its 10-year median of 0.77 and 98.1% below the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Peoples Bancorp (PEBC), the current PB Ratio is 0.02 as of Jun. 25, 2026. 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 $39.40.
GuruFocus considers Peoples Bancorp to be Significantly Undervalued.
Key valuation signals for PEBC:
PB Ratio: 0.02 (97% below median its 10-year median of 0.77)
GF Value™: $39.40 vs. price of $0.80 (98% below fair value)
Industry Position: 98.1% below the Banks median (#1 of 1515)
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
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