Peoples BancorpPEBC 42 5-Year Yield-on-Cost % is 23.88 as of Jul. 11, 2026, which is 826% above its 10-year median of 2.58. GuruFocus rates PEBC with a GF Score™ of 42/100 and a GF Value™ of $39.58 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,253 Banks companies, Peoples Bancorp ranks better than 96.49% on this metric.
Peoples Bancorp's yield on cost for the quarter that ended in Dec. 2024 was 23.88.
The historical rank and industry rank for Peoples Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
PEBC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.41 Med: 2.58 Max: 116.54
Current: 23.88
During the past 13 years, Peoples Bancorp's highest Yield on Cost was 116.54. The lowest was 1.41. And the median was 2.58.
PEBC's 5-Year Yield-on-Cost % is ranked better than 96.49% of 1253
companies
in the Banks industry
Industry Median: 3.89
vs PEBC: 23.88
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Peoples Bancorp 5-Year Yield-on-Cost % Related Terms
PEBC vs SHFS, PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Peoples Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Peoples Bancorp is calculated as
Peoples Bancorp (PEBC) has a 5-Year Yield-on-Cost % of 23.88 as of Jul. 11, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Peoples Bancorp and its competitors. This is 826% above median its historical median of 2.58. Over the past decade, Peoples Bancorp's 5-Year Yield-on-Cost % has ranged from 1.41 to 116.54. According to the industry distribution chart, Peoples Bancorp ranks #44 out of 1253 companies in the Banks industry, placing it in the top 3.5%.
Is Peoples Bancorp's 5-Year Yield-on-Cost % too high?
Peoples Bancorp's current 5-Year Yield-on-Cost % of 23.88 is 826% above median its 10-year median of 2.58. Over the past 10 years, this metric has ranged from a low of 1.41 to a high of 116.54. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Peoples Bancorp's value of 23.88 is 513.9% above this industry median. Based on the distribution chart, Peoples Bancorp ranks #44 out of 1253 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 5-Year Yield-on-Cost % compare to SHFS and PNC?
According to the Banks industry distribution chart, Peoples Bancorp ranks #44 out of 1253 companies for 5-Year Yield-on-Cost %. This places Peoples Bancorp in the top 4% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.89. Peoples Bancorp's value of 23.88 is 513.9% above this benchmark. Historically, Peoples Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.41 to 116.54 over the past decade. While the company's 10-year median is 2.58 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,253 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp's current 5-Year Yield-on-Cost % of 23.88 is 513.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Peoples Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp's current 5-Year Yield-on-Cost % is 23.88, which is 826% above median its own 10-year median of 2.58. 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 $39.58, compared to a current price of $2.00 — trading 94.9% below its estimated fair value. The current 5-Year Yield-on-Cost % is 23.88, which is 826% above median its 10-year median of 2.58 and 513.9% above the Banks industry median of 3.89. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Peoples Bancorp (PEBC), the current 5-Year Yield-on-Cost % is 23.88 as of Jul. 11, 2026. 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 $39.58.
GuruFocus considers Peoples Bancorp to be Significantly Undervalued.
Key valuation signals for PEBC:
5-Year Yield-on-Cost %: 23.88 (826% above median its 10-year median of 2.58)
GF Value™: $39.58 vs. price of $2.00 (94.9% below fair value)
Industry Position: 513.9% above the Banks median (#44 of 1253)
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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