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    Evaluating Peoples Bancorp (PEBO) Valuation After Q4 Earnings Beat And Insider Buying Signals

    Simply Wall St·01/25/2026 10:29:07
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    Peoples Bancorp (PEBO) has drawn fresh attention after reporting fourth quarter 2025 earnings that slightly exceeded analyst expectations, supported by commercial and construction loan growth, firmer fee income, and stable asset quality.

    See our latest analysis for Peoples Bancorp.

    At a share price of US$31.40, Peoples Bancorp has delivered a 6.22% 90 day share price return and a 33.54% five year total shareholder return. This suggests momentum has been gradually building alongside recent dividend reaffirmations, insider buying and earnings updates.

    If you are looking beyond regional banks after this earnings update, it could be a good time to broaden your search with fast growing stocks with high insider ownership.

    With earnings slightly ahead of expectations, a dividend yield above 5% and analyst targets sitting above the current US$31.40 share price, the key question now is whether Peoples Bancorp is still undervalued or if the market is already pricing in its next leg of growth.

    Most Popular Narrative: 8.1% Undervalued

    Peoples Bancorp's most followed narrative pegs fair value at $34.17, a touch above the recent $31.40 close, which puts the current debate on valuation front and center.

    Proactive cost containment and technology investments, including the scaling of digital banking and automation, are already reflected in lower deposit and borrowing costs, more stable noninterest expense, and an improving efficiency ratio; further digital adoption is expected to reduce costs and support net margin expansion.

    Read the complete narrative.

    Want to see what kind of revenue path and profit margins need to line up for that fair value to make sense? The narrative leans on steadier earnings, higher profitability, and a future valuation multiple that still sits below where many banks trade today. Curious which assumptions really carry the weight in that model and how sensitive the outcome is to small changes in growth? The full narrative lays those moving parts out clearly.

    Result: Fair Value of $34.17 (UNDERVALUED)

    Have a read of the narrative in full and understand what's behind the forecasts.

    However, there are still pressure points to watch, including ongoing charge offs in the small ticket leasing book and funding costs tied to retail CDs, which could squeeze margins.

    Find out about the key risks to this Peoples Bancorp narrative.

    Build Your Own Peoples Bancorp Narrative

    If you are not fully on board with this view or simply prefer to weigh the numbers yourself, you can put together a custom thesis in just a few minutes with Do it your way.

    A good starting point is our analysis highlighting 4 key rewards investors are optimistic about regarding Peoples Bancorp.

    Looking for more investment ideas?

    If Peoples Bancorp is on your radar, do not stop there, you could miss other compelling setups that match your style and risk comfort.

    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.