Peoples BancorpPEBC 42 Return-on-Tangible-Asset is 1.06% as of Dec. 2024, which is 28% above its 10-year median of 0.83. GuruFocus rates PEBC with a GF Score™ of 42/100 and a GF Value™ of $39.60 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, Peoples Bancorp ranks better than 55.47% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Peoples Bancorp's annualizedNet Income for the quarter that ended in Dec. 2024 was $3.30 Mil. Peoples Bancorp's average total tangible assets for the quarter that ended in Dec. 2024 was $309.77 Mil. Therefore, Peoples Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2024 was 1.06%.
The historical rank and industry rank for Peoples Bancorp's Return-on-Tangible-Asset or its related term are showing as below:
PEBC'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.8 Med: 0.83 Max: 1.38
Current: 1.06
During the past 13 years, Peoples Bancorp's highest Return-on-Tangible-Asset was 1.38%. The lowest was -0.80%. And the median was 0.83%.
PEBC's Return-on-Tangible-Asset is ranked better than 55.47% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs PEBC: 1.06
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Peoples Bancorp Return-on-Tangible-Asset Related Terms
Peoples Bancorp Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Peoples Bancorp's Return-on-Tangible-Asset 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 SHFS, PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Peoples Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2024) net income data.
What does a Return-on-Tangible-Asset of 1.06% mean?
Peoples Bancorp (PEBC) has a Return-on-Tangible-Asset of 1.06% as of Dec. 2024. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Peoples Bancorp and its competitors. This is 28% above median its historical median of 0.83. According to the industry distribution chart, Peoples Bancorp ranks #680 out of 1527 companies in the Banks industry, placing it in the top 44.5%.
Is Peoples Bancorp's Return-on-Tangible-Asset too high?
Peoples Bancorp's current Return-on-Tangible-Asset of 1.06% is 28% above median its 10-year median of 0.83. The Banks industry median Return-on-Tangible-Asset is 0.99. Peoples Bancorp's value of 1.06% is 7.1% above this industry median. Based on the distribution chart, Peoples Bancorp ranks #680 out of 1527 companies in the Banks industry, which is above 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 Return-on-Tangible-Asset compare to SHFS and PNC?
According to the Banks industry distribution chart, Peoples Bancorp ranks #680 out of 1527 companies for Return-on-Tangible-Asset. This puts Peoples Bancorp in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Peoples Bancorp's value of 1.06% is 7.1% above this benchmark. While the company's 10-year median is 0.83 vs. the industry median of 0.99, Peoples Bancorp has consistently been above 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp's current Return-on-Tangible-Asset of 1.06% is 7.1% above 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Peoples Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp's current Return-on-Tangible-Asset is 1.06%, which is 28% above median its own 10-year median of 0.83. 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 $39.60, compared to a current price of $2.00 — trading 94.9% below its estimated fair value. The current Return-on-Tangible-Asset is 1.06%, which is 28% above median its 10-year median of 0.83 and 7.1% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Peoples Bancorp (PEBC), the current Return-on-Tangible-Asset is 1.06% 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 $39.60.
GuruFocus considers Peoples Bancorp to be Significantly Undervalued.
Key valuation signals for PEBC:
Return-on-Tangible-Asset: 1.06% (28% above median its 10-year median of 0.83)
GF Value™: $39.60 vs. price of $2.00 (94.9% below fair value)
Industry Position: 7.1% above the Banks median (#680 of 1527)
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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