PEBC (Peoples Bancorp) Scaled Net Operating Assets: -0.01 (As of Dec. 2024)


PEBC Peoples Bancorp Inc PEBC
63 GF Score
Price $0.80
GF Value $39.41
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Peoples Bancorp Scaled Net Operating Assets?

Peoples Bancorp PEBC 63 Scaled Net Operating Assets is -0.01 as of Dec. 2024. GuruFocus rates PEBC with a GF Score™ of 63/100 and a GF Value™ of $39.41 (Significantly Undervalued). The stock has 1 warning sign investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Peoples Bancorp's operating assets for the quarter that ended in Dec. 2024 was $266.53 Mil. Peoples Bancorp's operating liabilities for the quarter that ended in Dec. 2024 was $270.47 Mil. Peoples Bancorp's Total Assets for the quarter that ended in Dec. 2023 was $319.01 Mil. Therefore, Peoples Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2024 was -0.01.

PEBC
63GF Score
Peoples Bancorp Inc PEBC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Peoples Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Peoples Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2024 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2024 )
=(Operating Assets (A: Dec. 2024 )-Operating Liabilities (A: Dec. 2024 ))/Total Assets (A: Dec. 2023 )
=(266.532-270.473)/319.008
=-0.01

where

Operating Assets(A: Dec. 2024 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=306.191 - 39.659
=266.532

Operating Liabilities(A: Dec. 2024 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=270.473 - 0 - 0
=270.473

Peoples Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2024 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2024 )
=(Operating Assets (Q: Dec. 2024 )-Operating Liabilities (Q: Dec. 2024 ))/Total Assets (Q: Dec. 2023 )
=(266.532-270.473)/319.008
=-0.01

where

Operating Assets(Q: Dec. 2024 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=306.191 - 39.659
=266.532

Operating Liabilities(Q: Dec. 2024 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=270.473 - 0 - 0
=270.473

* 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.

What does a Scaled Net Operating Assets of -0.01 mean?
Peoples Bancorp (PEBC) has a Scaled Net Operating Assets of -0.01 as of Dec. 2024. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Peoples Bancorp and its competitors.
Is Peoples Bancorp's Scaled Net Operating Assets too high?
Peoples Bancorp's current Scaled Net Operating Assets is -0.01. 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 Scaled Net Operating Assets compare to FCRM and LFLS?
Peoples Bancorp's Scaled Net Operating Assets of -0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Peoples Bancorp and its competitors. Peoples Bancorp's current Scaled Net Operating Assets is -0.01. 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 $39.41, compared to a current price of $0.80 — trading 98% below its estimated fair value. The current Scaled Net Operating Assets is -0.01. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Peoples Bancorp (PEBC), the current Scaled Net Operating Assets is -0.01 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 $39.41. GuruFocus considers Peoples Bancorp to be Significantly Undervalued.

Key valuation signals for PEBC:

  • Scaled Net Operating Assets: -0.01
  • GF Value™: $39.41 vs. price of $0.80 (98% below fair value)
  • GF Score™: 63/100 with 1 warning sign

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 Business Description

Address 100 Spring Avenue, P.O. Box 210, Chestertown, MD, USA, 21620
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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$0.80
Price
$39.41
GF Value