PEBO
Peoples Bancorp Inc.
Banks - Regional
Market Cap$1.31B
5Y Perf.+72.0%
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Side-by-side financial analysisPEBO
FMNB
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Stock Comparison
PEBO vs FMNB
Revenue, margins, valuation, and 5-year total return — side by side.
FMNB
Farmers National Banc Corp.
Banks - Regional
Market Cap$571M
5Y Perf.+22.5%
PEBO vs FMNB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  PEBO |  FMNB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $1.31B | $571M |
| Revenue (TTM) | $593M | $278M |
| Net Income (TTM) | $107M | $55M |
| Gross Margin | 66.0% | 64.6% |
| Operating Margin | 19.4% | 23.4% |
| Forward P/E | 10.7x | 9.6x |
| Total Debt | $734M | $368M |
| Cash & Equiv. | $189M | $20M |
PEBO vs FMNB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PEBO
FMNB
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Peoples Bancorp Inc. (PEBO) | 100 | 172.0 | +72.0% |
| Farmers National Ba… (FMNB) | 100 | 122.5 | +22.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PEBO vs FMNB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: FMNB leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Peoples Bancorp Inc. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
🥇FMNB emerged as the overall leader. Track its performance:
PEBO
Peoples Bancorp Inc.
The Banking Pick
PEBO is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 10 yrs, beta 0.63, yield 4.5%
- 132.4% 10Y total return vs FMNB's 123.8%
- Lower volatility, beta 0.63, Low D/E 60.9%, current ratio 0.84x
Best for: income & stability and long-term compounding
FMNB
Farmers National Banc Corp.
The Banking Pick
FMNB carries the broadest edge in this set and is the clearest fit for growth exposure.
- Rev growth 0.9%, EPS growth 18.9%
- 0.9% NII/revenue growth vs PEBO's 0.4%
- Efficiency ratio 0.4% vs PEBO's 0.5% (lower = leaner)
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  FMNB | 0.9% NII/revenue growth vs PEBO's 0.4% |
| Value |  PEBO | Better valuation composite |
| Quality / Margins | FMNB | Efficiency ratio 0.4% vs PEBO's 0.5% (lower = leaner) |
| Stability / Safety | PEBO | Beta 0.63 vs FMNB's 0.72, lower leverage |
| Dividends | FMNB | 4.7% yield, vs PEBO's 4.5% |
| Momentum (1Y) | PEBO | +27.8% vs FMNB's +14.1% |
| Efficiency (ROA) | FMNB | Efficiency ratio 0.4% vs PEBO's 0.5% |
PEBO vs FMNB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
PEBO vs FMNB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPEBOLAGGINGFMNB
FMNBFarmers National Banc…
1leads
PEBOPeoples Bancorp Inc.
3leads
6 Total Categories
CATEGORYLEADERvs FMNBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PEBO3/5
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
FMNB5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
PEBO6/6
Risk & VolatilityBeta, volatility, and downside exposure
PEBO2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
PEBO leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
PEBO is the larger business by revenue, generating $593M annually — 2.1x FMNB's $278M. Profitability is closely matched — net margins range from 19.6% (FMNB) to 18.0% (PEBO).
| Metric | PEBOPeoples Bancorp I… | FMNBFarmers National … |
|---|---|---|
| RevenueTrailing 12 months | $593M | $278M |
| EBITDAEarnings before interest/tax | $121M | $70M |
| Net IncomeAfter-tax profit | $107M | $55M |
| Free Cash FlowCash after capex | $122M | $45M |
| Gross MarginGross profit ÷ Revenue | +66.0% | +64.6% |
| Operating MarginEBIT ÷ Revenue | +19.4% | +23.4% |
| Net MarginNet income ÷ Revenue | +18.0% | +19.6% |
| FCF MarginFCF ÷ Revenue | +20.6% | +16.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +17.1% | +2.6% |
PEBO leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
Evenly matched — PEBO and FMNB each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 10.0x trailing earnings, FMNB trades at a 18% valuation discount to PEBO's 12.2x P/E. On an enterprise value basis, PEBO's 13.8x EV/EBITDA is more attractive than FMNB's 14.1x.
| Metric | PEBOPeoples Bancorp I… | FMNBFarmers National … |
|---|---|---|
| Market CapShares × price | $1.3B | $571M |
| Enterprise ValueMkt cap + debt − cash | $1.9B | $918M |
| Trailing P/EPrice ÷ TTM EPS | 12.24x | 10.02x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.68x | 9.62x |
| PEG RatioP/E ÷ EPS growth rate | 1.06x | — |
| EV / EBITDAEnterprise value multiple | 13.80x | 14.12x |
| Price / SalesMarket cap ÷ Revenue | 2.13x | 2.10x |
| Price / BookPrice ÷ Book value/share | 1.07x | 1.13x |
| Price / FCFMarket cap ÷ FCF | 10.21x | 10.95x |
Evenly matched — PEBO and FMNB each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
FMNB leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
FMNB delivers a 12.0% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $9 for PEBO. PEBO carries lower financial leverage with a 0.61x debt-to-equity ratio, signaling a more conservative balance sheet compared to FMNB's 0.76x. On the Piotroski fundamental quality scale (0–9), FMNB scores 7/9 vs PEBO's 4/9, reflecting strong financial health.
| Metric | PEBOPeoples Bancorp I… | FMNBFarmers National … |
|---|---|---|
| ROE (TTM)Return on equity | +9.1% | +12.0% |
| ROA (TTM)Return on assets | +1.1% | +1.0% |
| ROICReturn on invested capital | +5.8% | +5.9% |
| ROCEReturn on capital employed | +9.0% | +2.4% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 7 |
| Debt / EquityFinancial leverage | 0.61x | 0.76x |
| Net DebtTotal debt minus cash | $545M | $347M |
| Cash & Equiv.Liquid assets | $189M | $20M |
| Total DebtShort + long-term debt | $734M | $368M |
| Interest CoverageEBIT ÷ Interest expense | 0.72x | 0.71x |
FMNB leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
PEBO leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PEBO five years ago would be worth $14,260 today (with dividends reinvested), compared to $10,538 for FMNB. Over the past 12 months, PEBO leads with a +27.8% total return vs FMNB's +14.1%. The 3-year compound annual growth rate (CAGR) favors PEBO at 13.6% vs FMNB's 9.7% — a key indicator of consistent wealth creation.
| Metric | PEBOPeoples Bancorp I… | FMNBFarmers National … |
|---|---|---|
| YTD ReturnYear-to-date | +24.1% | +12.1% |
| 1-Year ReturnPast 12 months | +27.8% | +14.1% |
| 3-Year ReturnCumulative with dividends | +46.6% | +32.0% |
| 5-Year ReturnCumulative with dividends | +42.6% | +5.4% |
| 10-Year ReturnCumulative with dividends | +132.4% | +123.8% |
| CAGR (3Y)Annualised 3-year return | +13.6% | +9.7% |
PEBO leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
PEBO leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PEBO is the less volatile stock with a 0.63 beta — it tends to amplify market swings less than FMNB's 0.72 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PEBO currently trades 99.9% from its 52-week high vs FMNB's 93.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PEBOPeoples Bancorp I… | FMNBFarmers National … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.63x | 0.72x |
| 52-Week HighHighest price in past year | $36.64 | $15.50 |
| 52-Week LowLowest price in past year | $27.49 | $12.13 |
| % of 52W HighCurrent price vs 52-week peak | +99.9% | +93.7% |
| RSI (14)Momentum oscillator 0–100 | 65.0 | 62.0 |
| Avg Volume (50D)Average daily shares traded | 225K | 299K |
PEBO leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — PEBO and FMNB each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates PEBO as "Hold" and FMNB as "Hold". Consensus price targets imply 10.1% upside for FMNB (target: $16) vs 3.8% for PEBO (target: $38). For income investors, FMNB offers the higher dividend yield at 4.66% vs PEBO's 4.49%.
| Metric | PEBOPeoples Bancorp I… | FMNBFarmers National … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $38.00 | $16.00 |
| # AnalystsCovering analysts | 11 | 7 |
| Dividend YieldAnnual dividend ÷ price | +4.5% | +4.7% |
| Dividend StreakConsecutive years of raises | 10 | 0 |
| Dividend / ShareAnnual DPS | $1.64 | $0.68 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | 0.0% |
Evenly matched — PEBO and FMNB each lead in 1 of 2 comparable metrics.
Key Takeaway
PEBO leads in 3 of 6 categories (Income & Cash Flow, Total Returns). FMNB leads in 1 (Profitability & Efficiency). 2 tied.
Best OverallPeoples Bancorp Inc. (PEBO)Leads 3 of 6 categories
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PEBO vs FMNB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PEBO or FMNB a better buy right now?
For growth investors, Farmers National Banc Corp.
(FMNB) is the stronger pick with 0. 9% revenue growth year-over-year, versus 0. 4% for Peoples Bancorp Inc. (PEBO). Farmers National Banc Corp. (FMNB) offers the better valuation at 10. 0x trailing P/E (9. 6x forward), making it the more compelling value choice. Analysts rate Peoples Bancorp Inc. (PEBO) a "Hold" — based on 11 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — PEBO or FMNB?
On trailing P/E, Farmers National Banc Corp.
(FMNB) is the cheapest at 10. 0x versus Peoples Bancorp Inc. at 12. 2x. On forward P/E, Farmers National Banc Corp. is actually cheaper at 9. 6x.
03Which is the better long-term investment — PEBO or FMNB?
Over the past 5 years, Peoples Bancorp Inc.
(PEBO) delivered a total return of +42. 6%, compared to +5. 4% for Farmers National Banc Corp. (FMNB). Over 10 years, the gap is even starker: PEBO returned +132. 4% versus FMNB's +123. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — PEBO or FMNB?
By beta (market sensitivity over 5 years), Peoples Bancorp Inc.
(PEBO) is the lower-risk stock at 0. 63β versus Farmers National Banc Corp. 's 0. 72β — meaning FMNB is approximately 15% more volatile than PEBO relative to the S&P 500. On balance sheet safety, Peoples Bancorp Inc. (PEBO) carries a lower debt/equity ratio of 61% versus 76% for Farmers National Banc Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — PEBO or FMNB?
By revenue growth (latest reported year), Farmers National Banc Corp.
(FMNB) is pulling ahead at 0. 9% versus 0. 4% for Peoples Bancorp Inc. (PEBO). On earnings-per-share growth, the picture is similar: Farmers National Banc Corp. grew EPS 18. 9% year-over-year, compared to -9. 7% for Peoples Bancorp Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — PEBO or FMNB?
Farmers National Banc Corp.
(FMNB) is the more profitable company, earning 20. 1% net margin versus 17. 3% for Peoples Bancorp Inc. — meaning it keeps 20. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FMNB leads at 23. 9% versus 21. 8% for PEBO. At the gross margin level — before operating expenses — PEBO leads at 67. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is PEBO or FMNB more undervalued right now?
On forward earnings alone, Farmers National Banc Corp.
(FMNB) trades at 9. 6x forward P/E versus 10. 7x for Peoples Bancorp Inc. — 1. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FMNB: 10. 1% to $16. 00.
08Which pays a better dividend — PEBO or FMNB?
All stocks in this comparison pay dividends.
Farmers National Banc Corp. (FMNB) offers the highest yield at 4. 7%, versus 4. 5% for Peoples Bancorp Inc. (PEBO).
09Is PEBO or FMNB better for a retirement portfolio?
For long-horizon retirement investors, Peoples Bancorp Inc.
(PEBO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 63), 4. 5% yield, +132. 4% 10Y return). Both have compounded well over 10 years (PEBO: +132. 4%, FMNB: +123. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between PEBO and FMNB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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