Peoples BancorpPEBC 63 Pretax Margin % is 23.65% as of Dec. 2024, which is 1% below its 10-year median of 23.89. 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 1,526 Banks companies, Peoples Bancorp ranks worse than 74.9% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Peoples Bancorp Pretax Margin % Related Terms
Peoples Bancorp Pretax Margin % Historical Data
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The historical data trend for Peoples Bancorp's Pretax 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.
PEBC vs FCRM, LFLS, PNC: Pretax Margin % Comparison
For the Banks - Regional subindustry, Peoples Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp's Pretax 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 Pretax Margin % of 23.65% as of Dec. 2024. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Peoples Bancorp and its competitors. This is near median its historical median of 23.89. According to the industry distribution chart, Peoples Bancorp ranks #1143 out of 1526 companies in the Banks industry, placing it in the top 74.9%.
Is Peoples Bancorp's Pretax Margin % too high?
Peoples Bancorp's current Pretax Margin % of 23.65% is near median its 10-year median of 23.89. The Banks industry median Pretax Margin % is 34.89. Peoples Bancorp's value of 23.65% is 32.2% below this industry median. Based on the distribution chart, Peoples Bancorp ranks #1143 out of 1526 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 Pretax Margin % compare to FCRM and LFLS?
According to the Banks industry distribution chart, Peoples Bancorp ranks #1143 out of 1526 companies for Pretax Margin %. This places Peoples Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.89. Peoples Bancorp's value of 23.65% is 32.2% below this benchmark. While the company's 10-year median is 23.89 vs. the industry median of 34.89, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp's current Pretax Margin % of 23.65% is 32.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Peoples Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp's current Pretax Margin % is 23.65%, which is near median its own 10-year median of 23.89. 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 Pretax Margin % is 23.65%, which is near median its 10-year median of 23.89 and 32.2% below the Banks industry median of 34.89. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Peoples Bancorp (PEBC), the current Pretax Margin % is 23.65% 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 $39.40.
GuruFocus considers Peoples Bancorp to be Significantly Undervalued.
Key valuation signals for PEBC:
Pretax Margin %: 23.65% (near median its 10-year median of 23.89)
GF Value™: $39.40 vs. price of $0.80 (98% below fair value)
Industry Position: 32.2% below the Banks median (#1143 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.
63GF Score
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