Peoples BancorpPEBC 63 ROA % is 1.05% as of Dec. 2024, which is 28% above its 10-year median of 0.82. GuruFocus rates PEBC with a GF Score™ of 63/100 and a GF Value™ of $39.39 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,529 Banks companies, Peoples Bancorp ranks better than 55.26% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Peoples Bancorp's annualizedNet Income for the quarter that ended in Dec. 2024 was $3.30 Mil.
Peoples Bancorp's average Total Assets over the quarter that ended in Dec. 2024 was $312.60 Mil. Therefore, Peoples Bancorp's annualized ROA % for the quarter that ended in Dec. 2024 was 1.05%.
The historical rank and industry rank for Peoples Bancorp's ROA % or its related term are showing as below:
PEBC'
s ROA % Range Over the Past 10 Years
Min: -0.8 Med: 0.82 Max: 1.36
Current: 1.05
During the past 13 years, Peoples Bancorp's highest ROA % was 1.36%. The lowest was -0.80%. And the median was 0.82%.
PEBC's ROA % is ranked better than 55.26% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs PEBC: 1.05
Peoples Bancorp (OTCPK:PEBC) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is one times the annual (Dec. 2024) net income data. The Revenue data used here is one times the annual (Dec. 2024) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Peoples Bancorp ROA % Related Terms
Peoples Bancorp ROA % Historical Data
* Premium members only.
The historical data trend for Peoples Bancorp's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp's ROA % distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Peoples Bancorp (PEBC) has a ROA % of 1.05% as of Dec. 2024. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Peoples Bancorp and its competitors. This is 28% above median its historical median of 0.82. According to the industry distribution chart, Peoples Bancorp ranks #684 out of 1529 companies in the Banks industry, placing it in the top 44.7%.
Is Peoples Bancorp's ROA % too high?
Peoples Bancorp's current ROA % of 1.05% is 28% above median its 10-year median of 0.82. The Banks industry median ROA % is 0.98. Peoples Bancorp's value of 1.05% is 7.1% above this industry median. Based on the distribution chart, Peoples Bancorp ranks #684 out of 1529 companies in the Banks industry, which is above 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 ROA % compare to FCRM and LFLS?
According to the Banks industry distribution chart, Peoples Bancorp ranks #684 out of 1529 companies for ROA %. This puts Peoples Bancorp in the upper half of its industry. The industry median ROA % is 0.98. Peoples Bancorp's value of 1.05% is 7.1% above this benchmark. While the company's 10-year median is 0.82 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp's current ROA % of 1.05% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Peoples Bancorp and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp's current ROA % is 1.05%, which is 28% above median its own 10-year median of 0.82. 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 $39.39, compared to a current price of $0.80 — trading 98% below its estimated fair value. The current ROA % is 1.05%, which is 28% above median its 10-year median of 0.82 and 7.1% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Peoples Bancorp (PEBC), the current ROA % is 1.05% 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 $39.39.
GuruFocus considers Peoples Bancorp to be Significantly Undervalued.
Key valuation signals for PEBC:
ROA %: 1.05% (28% above median its 10-year median of 0.82)
GF Value™: $39.39 vs. price of $0.80 (98% below fair value)
Industry Position: 7.1% above the Banks median (#684 of 1529)
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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