Peoples BancorpPEBC 63 ROE % is 9.69% as of Dec. 2024, which is 23% above its 10-year median of 7.85. 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 1,524 Banks companies, Peoples Bancorp ranks worse than 54.33% on this metric.
The historical rank and industry rank for Peoples Bancorp's ROE % or its related term are showing as below:
PEBC'
s ROE % Range Over the Past 10 Years
Min: -7.61 Med: 7.85 Max: 15.62
Current: 9.69
During the past 13 years, Peoples Bancorp's highest ROE % was 15.62%. The lowest was -7.61%. And the median was 7.85%.
PEBC's ROE % is ranked worse than 54.33% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs PEBC: 9.69
Peoples Bancorp (OTCPK:PEBC) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Peoples Bancorp ROE % Related Terms
Peoples Bancorp ROE % Historical Data
* Premium members only.
The historical data trend for Peoples Bancorp's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Peoples Bancorp (PEBC) has a ROE % of 9.69% as of Dec. 2024. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Peoples Bancorp and its competitors. This is 23% above median its historical median of 7.85. According to the industry distribution chart, Peoples Bancorp ranks #828 out of 1524 companies in the Banks industry, placing it in the top 54.3%.
Is Peoples Bancorp's ROE % too high?
Peoples Bancorp's current ROE % of 9.69% is 23% above median its 10-year median of 7.85. The Banks industry median ROE % is 10.22. Peoples Bancorp's value of 9.69% is 5.2% below this industry median. Based on the distribution chart, Peoples Bancorp ranks #828 out of 1524 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 ROE % compare to FCRM and LFLS?
According to the Banks industry distribution chart, Peoples Bancorp ranks #828 out of 1524 companies for ROE %. This places Peoples Bancorp in the lower half of its industry. The industry median ROE % is 10.22. Peoples Bancorp's value of 9.69% is 5.2% below this benchmark. While the company's 10-year median is 7.85 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp's current ROE % of 9.69% is 5.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Peoples Bancorp and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp's current ROE % is 9.69%, which is 23% above median its own 10-year median of 7.85. 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 ROE % is 9.69%, which is 23% above median its 10-year median of 7.85 and 5.2% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Peoples Bancorp (PEBC), the current ROE % is 9.69% 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:
ROE %: 9.69% (23% above median its 10-year median of 7.85)
GF Value™: $39.39 vs. price of $0.80 (98% below fair value)
Industry Position: 5.2% below the Banks median (#828 of 1524)
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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