Peoples Bancorp, Inc. (PEBC) Stock Analysis
DELISTED 2026
What happened to Peoples Bancorp, Inc. (PEBC) stock?
Peoples Bancorp, Inc. (PEBC) no longer trades on public markets. It was delisted in July 2026. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Peoples Bancorp, Inc. (PEBC) trades at $2.00. Peoples Bancorp, Inc. Market cap: $1.46M, Sector: Financial services.
Last analyzed: Jun 14, 2026Analyst Coverage for PEBC: PEBC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PEBC against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
Peoples Bancorp, Inc. (PEBC) Financial Services Profile
Peoples Bancorp, Inc. operates as the holding company for The Peoples Bank, a community financial institution delivering comprehensive banking, lending, and diversified financial services across Maryland's Kent, Cecil, Queen Anne's, and Talbot Counties. Established in 1910, it serves individuals, businesses, and government entities through six branch locations, emphasizing localized service within its regional market.
What Is the Investment Thesis for PEBC?
Peoples Bancorp, Inc. presents as a community-focused financial institution operating through its subsidiary, The Peoples Bank, with a long-standing presence since 1910. The company's comprehensive suite of banking, lending, insurance, and investment services caters to a diverse client base across four Maryland counties, fostering strong local relationships. Key financial metrics include a P/E ratio of 0.18 and a profit margin of 18.3%, indicating potential efficiency and a low valuation. A reported gross margin of 100.0% is consistent with its banking model. The exceptionally high dividend yield of 8283.75% suggests a significant payout relative to its share price, warranting investor scrutiny. Growth catalysts include leveraging its diversified product portfolio for cross-selling opportunities, enhancing digital banking capabilities to expand customer reach, and deepening market penetration within its established regional footprint. However, the company's small market capitalization of $583,134 and its OTC Other tier listing introduce higher volatility and liquidity risks. Investors should monitor its ability to compete with larger institutions and manage interest rate sensitivities, alongside its localized economic exposure.
Based on FMP financials and quantitative analysis
PEBC Key Highlights
Market Capitalization: $583,134, positioning Peoples Bancorp, Inc. as a micro-cap entity within the financial services sector.
- Price-to-Earnings (P/E) Ratio: 0.18, suggesting a significantly low valuation relative to its reported earnings.
- Profit Margin: 18.3%, reflecting the company's operational efficiency in converting revenue into net income.
- Gross Margin: 100.0%, which is typical for a banking institution where net interest income is the primary revenue driver.
- Dividend Yield: 8283.75%, indicating a very high payout relative to its share price, which could be a key consideration for income-focused investors.
Who Are PEBC's Competitors?
PEBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PEBC's Key Strengths?
Long operating history since 1910, fostering deep community trust and relationships.
- Comprehensive and diversified product offerings, including banking, lending, insurance, and investment services.
- Strong profit margin of 18.3% and gross margin of 100.0%, indicating operational efficiency.
- Community-focused business model providing personalized service within its regional footprint.
What Are PEBC's Weaknesses?
Small market capitalization of $583,134, which can lead to higher volatility and liquidity risks.
- OTC Other tier listing, implying limited public disclosure and potentially less investor visibility.
- Limited geographic reach, concentrating risks within four Maryland counties.
- Reliance on traditional banking models, potentially slower adoption of advanced financial technologies compared to larger institutions.
What Could Drive PEBC Stock Higher?
Deepening community relationships and expanding customer engagement within its four-county service area in Maryland.
- Continued enhancement and adoption of digital banking services to improve customer convenience and broaden reach.
- Strategic cross-selling of diversified financial products, including insurance and investment securities, to existing clients.
- Potential for local economic development initiatives in its service counties to stimulate loan demand and deposit growth.
What Are the Key Risks for PEBC?
Financial-distress signal — its Altman Z-Score of 0.25 sits in the distress zone (elevated bankruptcy risk).
- Higher volatility and liquidity risks due to its small market capitalization of $583,134 and OTC Other tier listing.
- Intense competition from larger financial institutions with greater resources and broader geographic reach.
- Sensitivity to interest rate fluctuations, which could impact its net interest margin and overall profitability.
- Economic downturns or localized challenges within its specific Maryland service areas, potentially affecting loan portfolio quality and demand for banking services.
- Regulatory changes and compliance costs that may disproportionately affect smaller financial institutions.
What Are the Growth Opportunities for PEBC?
- Digital Banking Expansion: Peoples Bancorp, Inc. has an opportunity to significantly enhance and promote its digital banking solutions, including online and mobile banking. By investing in user-friendly interfaces, advanced security features, and expanded digital services like online loan applications or wealth management tools, the bank can attract a younger, tech-savvy demographic and improve convenience for existing customers. This expansion can broaden its effective reach within its four-county service area, potentially increasing deposit acquisition and service utilization without requiring additional physical branch infrastructure, tapping into the growing demand for convenient digital financial access.
- Cross-Selling Diversified Products: The company's diversified portfolio, which includes banking, insurance (property, casualty, life, marine, long-term care, health), and investment securities products, presents a robust opportunity for cross-selling. By leveraging its existing customer relationships across its six branches, Peoples Bancorp can educate clients on the full spectrum of its offerings. This strategy can increase the average revenue per customer, deepen customer loyalty by fulfilling multiple financial needs, and create more sticky relationships, thereby enhancing the overall profitability and stability of its revenue streams within its Maryland communities.
- Targeted Commercial Lending Growth: Peoples Bancorp, Inc. can capitalize on its community bank status by expanding its targeted commercial lending activities, focusing specifically on small businesses, local organizations, and real estate developers within its Kent, Cecil, Queen Anne's, and Talbot Counties service areas. By offering personalized service, flexible terms, and a deep understanding of local economic conditions, the bank can differentiate itself from larger competitors. This approach supports local economic development while growing its high-yield loan portfolio, particularly in areas like commercial real estate, construction, and general business financing, which are vital to regional prosperity.
- Deposit Base Enhancement and Retention: Strengthening and growing its core deposit base remains a critical growth opportunity for Peoples Bancorp, Inc. By offering competitive rates on checking, savings, money market, CD, and IRA accounts, combined with exceptional customer service, the bank can attract new individual and business depositors. A robust and stable deposit base provides a low-cost funding source for its lending activities, which is essential for maintaining healthy net interest margins, especially in fluctuating interest rate environments. Effective retention strategies, such as personalized financial planning and community engagement, will also be key to long-term stability and growth.
- Deepening Local Market Penetration: Peoples Bancorp, Inc. has a significant opportunity to further penetrate its existing four-county service area in Maryland. By actively participating in local community events, fostering strong relationships with local businesses and government entities, and tailoring products to specific regional needs, the bank can increase its market share. This hyper-local focus allows for a deeper understanding of customer requirements and competitive dynamics, enabling more effective marketing and service delivery. Enhanced brand recognition and trust within these communities can lead to organic growth in both deposit and loan volumes, solidifying its position as a preferred local financial partner.
What Are PEBC's Competitive Advantages?
- Strong community relationships and local market knowledge cultivated since 1910.
- Diversified product offerings, including banking, insurance, and investment services, creating multiple touchpoints with customers.
- Personalized customer service typical of a community bank, fostering loyalty.
- Established physical presence with six branch locations in its specific Maryland service areas.
What Does PEBC Do?
Peoples Bancorp, Inc. functions as the parent holding company for The Peoples Bank, an institution with a rich history dating back to its establishment in 1910 in Chestertown, Maryland. Over its long operational tenure, the company has evolved to provide a comprehensive array of banking services and financial products tailored to a diverse client base. These offerings cater to individuals, small businesses, various organizations, and government entities primarily within Maryland's Kent, Cecil, Queen Anne's, and Talbot Counties. The bank's core services include a wide range of deposit options, such as checking accounts, Negotiable Order of Withdrawal (NOW) accounts, savings accounts, money market accounts, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs). Beyond deposits, Peoples Bancorp, Inc. extends various lending solutions, encompassing financing for residential and commercial real estate, construction and land development projects, general commercial purposes, consumer needs, and other property-backed loans, alongside essential overdraft services. To enhance customer convenience, the bank provides a broad spectrum of additional services, including bill payment, drive-through banking, merchant card processing, night deposit facilities, remote deposit capture, and safe deposit boxes. Customers also benefit from direct deposit for payroll and social security, automatic account deductions, and Automated Teller Machine (ATM) access. Embracing modern financial technology, the bank offers robust digital solutions such as online banking with bill pay, mobile banking, and internet/telephone banking, complemented by money orders, credit and debit cards, VISA travel cards, and gift cards. Diversifying its portfolio, Peoples Bancorp, Inc. has also ventured into insurance products, specifically property, casualty, life, marine, long-term care, and health coverage, and facilitates access to investment securities products. The company conducts its operations through a network of six strategically located branch offices, solidifying its presence as a community-focused financial partner in its designated service areas.
What Products and Services Does PEBC Offer?
- Operates as a parent holding company for The Peoples Bank.
- Offers a full range of deposit products including checking, savings, money market, CDs, and IRAs.
- Provides diverse lending solutions for residential and commercial real estate, construction, and consumer needs.
- Delivers modern digital banking services such as online and mobile banking with bill pay.
- Offers additional conveniences like ATM access, drive-through banking, and merchant card processing.
- Diversifies into insurance products, including property, casualty, life, and health coverage.
- Provides access to investment securities products for its clients.
- Serves individuals, small businesses, organizations, and government entities across four Maryland counties through six branch locations.
How Does PEBC Make Money?
- Generates net interest income primarily from loans (residential, commercial, consumer) funded by customer deposits.
- Earns non-interest income through service charges and fees on deposit accounts, overdraft services, and merchant card processing.
- Derives revenue from the sale of diversified financial products, including insurance premiums and fees from investment securities products.
- Manages a portfolio of investment securities to generate additional income and liquidity.
- Operates through a network of six physical branches complemented by digital banking platforms to serve its regional customer base.
What Industry Does PEBC Operate In?
Peoples Bancorp, Inc. operates within the Banks - Regional industry, a segment characterized by institutions that primarily serve specific geographic areas, often emphasizing community relationships and personalized service. This industry is influenced by several market trends, including the ongoing shift towards digital banking, fluctuations in interest rates impacting net interest margins, and evolving regulatory landscapes. Peoples Bancorp, Inc. positions itself as a community bank, focusing on individuals, small businesses, and local government entities across four Maryland counties. The competitive landscape for regional banks is intense, with competition from larger national and super-regional banks offering extensive resources and technology, as well as from other local community banks and non-bank financial service providers. Peoples Bancorp's strategy relies on its established local presence and diversified product offerings to maintain and grow its market share against these competitors.
Who Are PEBC's Key Customers?
- Individuals seeking personal banking, lending, and investment services.
- Small businesses requiring commercial loans, deposit accounts, and merchant services.
- Various organizations, including non-profits and community groups.
- Government entities within Maryland's Kent, Cecil, Queen Anne's, and Talbot Counties.
Company Profile
Peoples Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Chestertown, US. The company is led by CEO William G. Wheatley. PEBC has traded publicly since 2013.
How Peoples Bancorp, Inc. Is Valued
Peoples Bancorp, Inc. carries a market capitalization of $1.46M, placing it in the micro-cap category.
Key Financial Metrics
Return on equity for Peoples Bancorp, Inc. stands at 9.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. PEBC trades at a trailing price-to-earnings ratio of 0.18, below the Financial Services sector average of ~18x. A current ratio of 0.15 means current liabilities exceed short-term assets, a liquidity point worth watching.
Financial Health
Peoples Bancorp, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.25 places it in the distress zone, a signal of elevated financial risk.
PEBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Long operating history since 1910, fostering deep community trust and relationships.
- Comprehensive and diversified product offerings, including banking, lending, insurance, and investment services.
- Strong profit margin of 18.3% and gross margin of 100.0%, indicating operational efficiency.
- Community-focused business model providing personalized service within its regional footprint.
Bear Case
- Small market capitalization of $583,134, which can lead to higher volatility and liquidity risks.
- OTC Other tier listing, implying limited public disclosure and potentially less investor visibility.
- Limited geographic reach, concentrating risks within four Maryland counties.
- Reliance on traditional banking models, potentially slower adoption of advanced financial technologies compared to larger institutions.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
PEBC Latest News
No recent news available for PEBC.
Leadership: William G. Wheatley
Unknown
William G. Wheatley serves as the leader of Peoples Bancorp, Inc., overseeing an organization with 62 employees. Details regarding his specific educational background, prior career history, and previous executive roles before his current tenure at Peoples Bancorp, Inc. are not explicitly provided in the available source data. His leadership is central to the operational management of the community bank, guiding its strategic direction and day-to-day activities within its four-county service area in Maryland. Further information on his professional journey or specific credentials is not disclosed.
Track Record: Specific achievements, strategic decisions, or company milestones directly attributable to Mr. Wheatley's leadership tenure at Peoples Bancorp, Inc. are not detailed within the provided information. His role involves steering the company's efforts in delivering comprehensive banking, lending, and diversified financial services to its community base. The bank's continued operation since 1910, including its current network of six branches, reflects ongoing management and strategic oversight.
PEBC OTC Market Information
Peoples Bancorp, Inc. trades on the OTC Other tier, which is the lowest of the three tiers for over-the-counter (OTC) securities, distinct from the major exchanges like NYSE or NASDAQ. Stocks on the OTC Other tier typically have limited public information and do not meet the minimum financial standards or disclosure requirements for higher OTC tiers or national exchanges. This tier is often characterized by companies with minimal financial reporting, making it challenging for investors to access comprehensive and timely information compared to companies on regulated exchanges that adhere to stricter listing standards and disclosure mandates.
- OTC Tier: OTC Other
- Higher volatility and liquidity risks due to small market capitalization and OTC Other tier listing.
- Limited public disclosure and financial reporting, making comprehensive due diligence challenging.
- Potential for wider bid-ask spreads and difficulty in executing trades efficiently.
- Increased susceptibility to market manipulation due to lower trading volumes and less regulatory oversight.
- Limited analyst coverage and institutional interest compared to exchange-listed companies.
- Verify all available financial statements and regulatory filings, however limited, directly from the company or OTC Markets.
- Assess the company's operational history, management team, and business model for long-term viability.
- Evaluate the current market depth and typical trading volumes to understand potential liquidity constraints.
- Research any news, press releases, or corporate actions published by the company.
- Understand the competitive landscape within its specific regional banking market.
- Consider the company's dividend history and sustainability given the reported yield.
- Analyze the local economic conditions in Maryland's Kent, Cecil, Queen Anne's, and Talbot Counties.
- Long operating history since its establishment in 1910, indicating sustained operations over a century.
- Operates through a network of six physical branch locations, signifying tangible assets and a community presence.
- Provides a comprehensive suite of traditional banking, lending, insurance, and investment products.
- Focuses on serving specific communities within Maryland, suggesting a localized and established business model.
- Manages 62 employees, indicating a structured and operational organization.
PEBC Financial Services Stock FAQ
What happened to Peoples Bancorp, Inc. (PEBC) stock?
Peoples Bancorp, Inc. (PEBC) no longer trades on public markets. It was delisted in July 2026. The figures below are historical and are not a current quote.
Can I still buy PEBC shares?
No. PEBC stopped trading on public markets in July 2026, so the shares are not available through a broker. Anything you see quoted for PEBC elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before PEBC stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Peoples Bancorp, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Peoples Bancorp, Inc. do?
Peoples Bancorp, Inc. serves as the parent holding company for The Peoples Bank, a community financial institution established in 1910. It offers a comprehensive suite of traditional banking services, including various deposit products such as checking, savings, money market, CDs, and IRAs.
What are the primary financial metrics for Peoples Bancorp, Inc.?
Peoples Bancorp, Inc. reports a market capitalization of $583,134, indicating its micro-cap status within the financial sector. Its Price-to-Earnings (P/E) ratio stands at 0.18, suggesting a low valuation relative to its earnings. The company maintains a profit margin of 18.3% and a gross margin of 100.0%, reflecting its operational efficiency in converting revenue into net income.
What are the main risks associated with investing in PEBC?
Investing in Peoples Bancorp, Inc. carries several risks, primarily stemming from its small market capitalization of $583,134 and its listing on the OTC Other tier. This classification often leads to higher volatility and reduced liquidity compared to exchange-listed stocks, making it potentially difficult to trade shares efficiently.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Market capitalization data from AI Insight ($583,134) was used as it provided a specific value, whereas 'Financials' listed $0.00B.
- CEO title, background details beyond employee count, and specific track record achievements are not available in the provided source data.
- Competitor information (specific tickers/names) was not provided in the source data, thus 'Unknown' was used for the single entry.
- Specific market sizes and explicit timelines for growth opportunities were inferred based on general industry knowledge and company context, as explicit data was not provided.
- Specific analyst ratings, price targets, or consensus information was not provided, therefore an analyst-focused FAQ was omitted.