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Why PEBO Stock surged +3.54% Today — RQD Quant Desk Flash

$39.50 +3.54% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $39.68

Peoples Bancorp Inc. (PEBO) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $1.39B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PEBO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Peoples Bancorp Inc. (NASDAQ: PEBO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $39.50 (+3.54% 1D, market cap $1.39B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, PEBO ranks #136 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PEBO compare to WABC and BHRB in the Financials sector?
▼

Within the Financials sector (Major Banks), PEBO carries a Roarable C+ (69/100 RQD), trailing P/E of 13.1x, gross margin of —, and ROIC of 10.5%. By comparison, WABC (Westamerica Bancorporation) holds a C+ grade (67/100 RQD, P/E 12.2x, ROIC 12.4%, cap $1.40B) and BHRB (Burke & Herbert Financial Services Corp.) posts a C grade (64/100 RQD, P/E 12.2x, ROIC 13.7%, cap $1.42B). Among the 5-stock peer group, TMP leads on earnings multiple (9.1x) while TMP leads on capital efficiency (17.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PEBO?
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Per PEBO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000318300), Peoples Bancorp Inc. generated $86.7M in revenue (+2.3% YoY), $106.8M in net income, and $128.7M in free cash flow against $9.65B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $39.68 (+0.45%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 148.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510069
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B- · Rk C+
Cash (13)Whales (13)SEC (13)Macro (14)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+5% Base Target
$49 Bull$41 Base$32 Bear
📬 FREE PEBO RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PEBO)Realized 20D OHLCV Swing Band: ±3.9%
Deterministic 5-Pillar Attribution (69/100 Composite)
🔍 WHY PEBO SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+14/20 pts (20% of score)

FRED Regime × Technicals: 80% of 52W Range • RSI-14 at 56.6 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
61
Grade C$35.95+4.5% Next Q
Q2 (-2Q)
64
Grade C+$37.56+2.4% Next Q
Q3 (-1Q)
66
Grade B-$38.45+2.7% Next Q
Current
69
Grade C+$39.50+2% Hist 90D α
Trajectory: C (61) → C+ (69)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PEBO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, PEBO faces multiple-compression risk if 13.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($38.36) or 200D SMA ($36.16) invalidates the momentum regime and cuts Target Base ($41.46) toward Bear Floor ($32.34).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PEBO• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PEBO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why PEBO Stock surged +3.54% Today — RQD Quant Desk Flash

Peoples Bancorp Inc. (PEBO) surged +3.54% to $39.50, trading at 80% of its 52-week range ($28.01 – $42.29). Solid steady margins (11% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.

  • ▸Technical Tape: Trading at 80% of its 52-week range ($28.01 – $42.29) with RSI-14 at 56.6 (BULLISH MOMENTUM).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±3.9% around $39.50 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $128.7M annual free cash flow.
Live PEBO Headlines & Catalysts
MARKET WIREYahoo • 2d ago
3 Bank Stocks Where Higher Rates Could Reshape Deposit Value

Central banks are hinting at more rate hikes just as inflation in the US, Eurozone and UK keeps policymakers on edge, and that mix is quietly reshaping where cash feels safest. Higher short-term yields can reward patient

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PEBO Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
PEBO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.83%▲ RESISTANCE BREAKOUT
2026-11-03O $38.81H $39.50L $38.57C $39.50VOL 501.6K
RES: $38.13SUP: $34.53SMA50: $38.36SMA200: $36.16
$43.08$39.82$36.56$33.31$30.05RES $38.13SUP $34.53$39.502026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PEBO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
4.3%/yr Implied 5Y Growth

vs. +2.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PEBO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PEBO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PEBO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PEBO)

Financials Rank #136 of 1097 ⚔️ WABC vs PEBO Full Matrix →

1. Head-to-Head Financials Peer Comparison (PEBO vs. WABC, BHRB, TMP, FMBH)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Peoples Bancorp Inc. (PEBO) ranks #136 by composite RQD confidence (69/100, grade C+) and #502 by equity capitalization ($1.39B). Within this direct 5-issuer industry benchmark cohort, TMP leads on earnings valuation at 9.1x trailing P/E, while TMP leads on capital efficiency and profitability with 17.2% ROIC and — gross margin. PEBO currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PEBO ACTIVE
Peoples Bancorp Inc.
C+ 69/100 13.1x — 10.5% +3.54% $1.39B Benchmark Subject
WABC
Westamerica Bancorporation
C+ 67/100 12.2x — 12.4% +1.64% $1.40B /wabc-vs-pebo →
BHRB
Burke & Herbert Financial Services Corp.
C 64/100 12.2x — 13.7% +2.23% $1.42B /bhrb-vs-pebo →
TMP
Tompkins Financial Corporation
C- 59/100 9.1x — 17.2% +1.97% $1.43B /tmp-vs-pebo →
FMBH
First Mid Bancshares Inc.
C+ 66/100 14.8x — 9.6% +2.12% $1.34B /fmbh-vs-pebo →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000318300 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Peoples Bancorp Inc. (PEBO) reported GAAP revenue of $86.7M (+2.3% vs. FY2024 revenue of $84.8M , and +9.1% cumulative change since FY2023) , GAAP net income of $106.8M, operating cash flow of $134.7M, and free cash flow of $128.7M (-5.6% YoY). On the balance sheet, PEBO closed FY2025 with $9.65B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $86.7M $106.8M $134.7M $128.7M $9.65B —
FY2024 (FY) 2024-12-31 $84.8M $117.2M $143.2M $136.4M $9.25B —
FY2023 (FY) 2023-12-31 $79.5M $113.4M $143.6M $143.6M — —

3. PEBO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PEBO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Peoples Bancorp Inc. (NASDAQ: PEBO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $39.50 (+3.54% 1D, market cap $1.39B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, PEBO ranks #136 in composite RQD confidence.

How does PEBO compare to WABC and BHRB in the Financials sector?

Within the Financials sector (Major Banks), PEBO carries a Roarable C+ (69/100 RQD), trailing P/E of 13.1x, gross margin of —, and ROIC of 10.5%. By comparison, WABC (Westamerica Bancorporation) holds a C+ grade (67/100 RQD, P/E 12.2x, ROIC 12.4%, cap $1.40B) and BHRB (Burke & Herbert Financial Services Corp.) posts a C grade (64/100 RQD, P/E 12.2x, ROIC 13.7%, cap $1.42B). Among the 5-stock peer group, TMP leads on earnings multiple (9.1x) while TMP leads on capital efficiency (17.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PEBO?

Per PEBO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000318300), Peoples Bancorp Inc. generated $86.7M in revenue (+2.3% YoY), $106.8M in net income, and $128.7M in free cash flow against $9.65B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PEBO trading relative to its 50-day, 200-day, and 52-week technical levels?

PEBO last traded at $39.50 (+3.54% on volume of 578,372 shares), positioning the stock +2.97% above its 50-day simple moving average ($38.36) and +9.24% above its 200-day simple moving average ($36.16). Across its 52-week range of $28.01 to $42.29, PEBO sits at the 80.5% percentile with a 14-day RSI of 56.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.9% ($37.96 to $41.04).

ROARABLE RATING BRIEF • RQD 69/100 (C+) ✓ SEC XBRL & RQD VERIFIED

PEBO — Peoples Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Peoples Bancorp Inc. (PEBO) earns a live Roarable RQD composite score of 69/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $39.50 (+3.54% 1D, market capitalization $1.39B).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 10.5%, gross margin of —, operating margin of 75.0%, and free cash flow yield of 9.23%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Peoples Bancorp Inc. (PEBO) is a NASDAQ-listed operating company in the Major Banks industry (Financials sector) with an equity market capitalization of $1.39B. The business operates with a gross margin of 0%, an operating margin of 75%, and a return on invested capital (ROIC) of 10.5% (free cash flow yield of 9.23%). Within the Major Banks peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Peoples Bancorp Inc. (PEBO) reported $86.7M in annual revenue (up from $84.8M in FY2024, +2.3% YoY) and $106.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($79.5M revenue, $113.4M net income) through FY2025, PEBO scaled operating cash flow to $134.7M and free cash flow to $128.7M, backed by $9.65B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 69/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 9.23% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $28.01 – $42.29 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 13.1x trailing P/E and 8.6x EV/EBITDA against 75.0% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), PEBO carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can PEBO sustain or expand its 75.0% operating margin and 10.5% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $86.7M and free cash flow of $128.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PEBO's 12.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PEBO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Peoples Bancorp Inc. (PEBO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PEBO Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PEBO Bull vs. Bear Conversation Board — What's Your Call at $39.50?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PEBO 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PEBO:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $48.60 (+26.0%)
📌 Pinned Debate

Insider conviction scores 16 of 20, the strongest RQD pillar, alongside a 9.23% FCF yield and 4.17% dividend yield at a 13.1 TTM P/E.

Long PEBO at $38.57 targeting $48.60. Insider conviction scores 16 of 20, the strongest RQD pillar, alongside a 9.23% FCF yield and 4.17% dividend yield at a 13.1 TTM P/E.. Institutional whale score is 13/20 and the risk/reward vs. the $28.01 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd 🐂 BULL

@CashFlowKing Agree on the RQD 69/100 quality, though with 1.0 beta I'm scaling in with half-size at $38.57 and keeping dry powder in case we test $35.87.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $29.31 (-24.0%)
Spot @ $38.57

Net income fell from $117.2M in FY 2024 to $106.8M in FY 2025 while FCF declined from $136.4M to $128.7M.

Fading this rally in PEBO at $38.57. Net income fell from $117.2M in FY 2024 to $106.8M in FY 2025 while FCF declined from $136.4M to $128.7M.. With a beta of 1.0 and the stock sitting at $38.57 (52-wk range $28.01–$42.29), the easy multiple expansion is already priced in.

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