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PEBO Peoples Bancorp, Inc.

Peoples Bancorp, Inc. operates as a financial holding company, which engages in banking, investment, insurance, and trust solutions. It offers various demand deposit accounts, savings accounts, money market accounts and certificates of deposit; commercial, consumer, real estate mortgage loans and lines of credit; debit and automated teller machine cards; credit cards for individuals and businesses; merchant credit card transaction processing services; corporate and personal trust services; safe deposit rental facilities; money orders and cashier's checks; life, health, property and casualty insurance products; brokerage services; and custom-tailored fiduciary, employee benefit plans and asset management & administration services. The company was founded in 1980 and is headquartered in Marietta, OH.

Company profile

Ticker
PEBO
Exchange
CEO
Charles W. Sulerzyski
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
SEC CIK
IRS number
310987416

PEBO stock data

(
)

Investment data

Data from SEC filings
Securities sold
Number of investors

Calendar

1 Mar 21
17 Apr 21
31 Dec 21
Quarter (USD)
Dec 20 Sep 20 Jun 20 Mar 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD)
Dec 20 Dec 19 Dec 18 Dec 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from company earnings reports.

Cash burn rate (estimated) Burn method: Change in cash Burn method: Operating income/loss Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 152.1M 152.1M 152.1M 152.1M 152.1M 152.1M
Cash burn (monthly) 3.05M (positive/no burn) (positive/no burn) (positive/no burn) (positive/no burn) (positive/no burn)
Cash used (since last report) 10.89M n/a n/a n/a n/a n/a
Cash remaining 141.21M n/a n/a n/a n/a n/a
Runway (months of cash) 46.3 n/a n/a n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
31 Mar 21 Tyler J Wilcox Common Stock Other Aquire J No No 28.19 63.9 1.8K 15,685.666
31 Mar 21 James S. Huggins Common Stock Grant Aquire A No No 33.17 194 6.43K 9,688.479
31 Mar 21 James S. Huggins Deferred Compensation Common Stock Grant Aquire A Yes No 33.17 77 2.55K 7,390
31 Mar 21 George W Broughton Common Stock Grant Aquire A No No 33.17 194 6.43K 130,843
31 Mar 21 George W Broughton Deferred Compensation Common Stock Grant Aquire A Yes No 33.17 22 729.74 2,073
31 Mar 21 Susan D. Rector Deferred Compensation Common Stock Grant Aquire A Yes No 33.17 371 12.31K 4,236
31 Mar 21 James Brooke Williams Common Stock Grant Aquire A No No 33.17 194 6.43K 213,266.9

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

58.3% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 106 109 -2.8%
Opened positions 15 11 +36.4%
Closed positions 18 14 +28.6%
Increased positions 31 27 +14.8%
Reduced positions 36 48 -25.0%
13F shares
Current Prev Q Change
Total value 440.29M 510.29M -13.7%
Total shares 11.44M 11.17M +2.4%
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners
Shares Value Change
Dimensional Fund Advisors 1.64M $44.31M -1.5%
BLK Blackrock 1.42M $38.58M +2.7%
BEN Franklin Resources 985.93K $26.71M +0.2%
Peoples Bank 945.58K $25.62M -0.4%
Vanguard 885.55K $23.99M +5.5%
Russell Investments 629.81K $17.06M +139.8%
Private Management 428.68K $11.61M -0.8%
STT State Street 399.67K $10.83M -1.9%
Manufacturers Life Insurance Company, The 362.84K $9.83M -0.9%
LSV Asset Management 320.46K $8.68M -2.0%
Largest transactions
Shares Bought/sold Change
Russell Investments 629.81K +367.16K +139.8%
Deprince Race & Zollo 103.86K +103.86K NEW
Mendon Capital Advisors 0 -75K EXIT
Renaissance Technologies 256K -66.58K -20.6%
Boston Partners 105.62K +59.5K +129.0%
Martingale Asset Management L P 0 -54.34K EXIT
Acadian Asset Management 6.46K -52.73K -89.1%
Assenagon Asset Management 0 -51.6K EXIT
Vanguard 885.55K +45.79K +5.5%
JPM JPMorgan Chase & Co. 48.25K +37.4K +344.8%

Financial report summary

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Management Discussion
  • Peoples earns interest income on loans and investments, and incurs interest expense on interest-bearing deposits and borrowed funds. Net interest income, the amount by which interest income exceeds interest expense, remains Peoples' largest source of revenue and was 69% of total revenue during 2020. The amount of net interest income earned by Peoples is affected by various factors, including changes in market interest rates due to the Federal Reserve Board's monetary policy, the level and degree of pricing competition for both loans and deposits in Peoples' markets, and the amount and composition of Peoples' earning assets and interest-bearing liabilities.
  • Peoples monitors net interest income performance and manages its balance sheet composition through regular ALCO meetings. The asset-liability management process employed by the ALCO is intended to mitigate the impact of future interest rate changes on Peoples' net interest income and earnings. However, the frequency and/or magnitude of changes in market interest rates are difficult to predict, and may have a greater impact on net interest income than adjustments management is able to make.
  • As part of the analysis of net interest income, management converts tax-exempt income earned on obligations of states and political subdivisions to the pre-tax equivalent of taxable income using a statutory federal corporate income tax rate of 21% for 2020, 2019 and 2018. Management believes the resulting FTE net interest income allows for a more meaningful comparison of tax-exempt income and yields to their taxable equivalents. Net interest margin, which is calculated by dividing FTE net interest income by average interest-earning assets, serves as an important measurement of the net revenue stream generated by the volume, mix and pricing of earning assets and interest-bearing liabilities.
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