Peoples Bancorp Inc. (PEBO) vs Preferred Bank (PFBC)

Peoples Bancorp Inc. and Preferred Bank are both Banks Regional companies. Peoples Bancorp Inc. and Preferred Bank are of similar size ($1.3B and $1.2B). Preferred Bank trades at the lower P/E: 9.4× against 11.0×. Preferred Bank grew revenue faster over the last twelve months: 1.04% against −0.12%. Preferred Bank has the higher net margin (26.5% vs 19.2%) and the higher return on invested capital (34.3% vs 7.67%). Both pay a dividend; Peoples Bancorp Inc. yields more (4.52% vs 3.06%). Across the 19 metrics below, Preferred Bank leads on 12 and Peoples Bancorp Inc. on 7.

Valuation

Metric PEBO PFBC Banks Regional median
P/E 10.99 9.37 11.98
P/S 2.10 2.42 2.34
P/B 1.04 1.56 1.19
Price to free cash flow 9.47 8.80 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.10% 10.68% 8.23%
Free cash flow yield 10.56% 11.37% 9.08%

Profitability

Metric PEBO PFBC Banks Regional median
Gross margin 75.31% 58.03% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.17% 26.54% 18.66%
Free cash flow margin 22.13% 27.55% 21.11%
Return on equity 9.89% 17.23% 10.65%
Return on assets 1.24% 1.83% 1.13%
Return on invested capital 7.67% 34.31% 8.35%

Growth

Metric PEBO PFBC Banks Regional median
Revenue growth (TTM) (0.12%) 1.04% 6.98%
EPS growth (last fiscal year) (9.67%) 7.99% 18.88%
Revenue growth, 5-year CAGR 22.87% 18.09% 12.38%
Net income growth, 5-year CAGR 25.16% 14.04% 9.71%

Health

Metric PEBO PFBC Banks Regional median
Debt to equity 0.13 0.44 0.22
Current ratio 0.85 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PEBO PFBC Banks Regional median
Dividend yield 4.52% 3.06% 2.57%
Payout ratio 0.50 0.29 0.30

Size

Metric PEBO PFBC Banks Regional median
Market cap 1.32b 1.23b 913.33m

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