Peoples Bancorp (PPBB) Stock Analysis
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 (PPBB) trades at $211.00. Peoples Bancorp (PPBB) is a regional bank headquartered in Bellingham, Washington, offering a wide range of banking products and services. Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for PPBB: PPBB 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 PPBB against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on PPBB.
How is this calculated? →Peoples Bancorp (PPBB) Financial Services Profile
Peoples Bancorp (PPBB) stands as a community-focused regional bank in Washington, providing a diverse array of banking services, including loans and deposit products, while maintaining a strong local presence through its 23 branches.
What Is the Investment Thesis for PPBB?
Peoples Bancorp (PPBB) operates in a stable regional banking environment, with a focus on community banking that fosters customer loyalty and local engagement. The bank's diverse product offerings, including a wide range of loans and deposit services, position it to capitalize on the growing demand for personalized banking solutions in Washington State. With 23 branches, Peoples Bancorp is well-placed to leverage local market knowledge to drive growth. The bank's low beta of 0.04 suggests lower volatility compared to the broader market, which could appeal to risk-averse investors. However, being an OTC-listed company may present challenges regarding liquidity and regulatory scrutiny. Investors should monitor the bank's ability to maintain profitability and adapt to changing market conditions, particularly in the face of potential interest rate fluctuations and competition from fintech disruptors.
Based on FMP financials and quantitative analysis
PPBB Key Highlights
Established in 1921, with over 100 years of community banking experience.
- Operates 23 branches across Washington State, enhancing local customer engagement.
- Offers a comprehensive suite of banking products, including various loan and deposit options.
- Low beta of 0.04 indicates lower volatility compared to the broader market.
- Focus on personalized service differentiates it from larger banking institutions.
Who Are PPBB's Competitors?
PPBB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| WAFD WaFd, Inc. | $36.65 | -0.19% | $2.71B | 73 |
| FMBH First Mid Bancshares, Inc. | $50.29 | +0.36% | $1.34B | 85 |
| BANC Banc of California, Inc. | $18.86 | -0.40% | $2.90B | — |
| CBB Cincinnati Bell Inc. | $15.48 | +0.00% | 52 | |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PPBB's Key Strengths?
Strong community presence with established customer relationships.
- Diverse range of banking products and services.
- Low volatility indicated by a beta of 0.04.
What Are PPBB's Weaknesses?
OTC listing may limit visibility and investor interest.
- Limited geographic reach compared to larger banks.
- Absence of dividend payments could deter income-focused investors.
What Could Drive PPBB Stock Higher?
Introduction of new digital banking features to enhance customer experience.
- Expansion of loan offerings tailored to small businesses.
- Community engagement initiatives aimed at increasing brand loyalty.
- Potential partnerships with local businesses to create customized financial products.
What Are the Key Risks for PPBB?
Increased competition from fintech disruptors in the banking sector.
- Economic fluctuations impacting loan performance and repayment rates.
- Regulatory changes that may affect operational practices.
What Are the Growth Opportunities for PPBB?
- Expansion of Digital Banking Services: As consumer preferences shift towards digital banking, Peoples Bancorp can invest in enhancing its online and mobile banking platforms to attract tech-savvy customers. The digital banking market is projected to grow at a CAGR of 10% over the next five years, providing ample opportunity for growth.
- Increase in Commercial Lending: With the growing number of small businesses in Washington State, Peoples Bancorp has the opportunity to expand its commercial lending portfolio. The small business lending market is expected to reach $1 trillion by 2028, offering significant growth potential for regional banks.
- Diversification of Loan Products: By introducing new loan products tailored to niche markets, such as eco-friendly financing or specialized recreational vehicle loans, Peoples Bancorp can tap into emerging consumer trends. The recreational vehicle market alone is projected to grow to $50 billion by 2027.
- Partnerships with Local Businesses: Establishing partnerships with local businesses can enhance Peoples Bancorp's visibility and customer base. Collaborations can lead to exclusive financial products and services that cater specifically to the needs of local enterprises.
- Focus on Community Engagement Initiatives: By increasing its involvement in community events and local sponsorships, Peoples Bancorp can strengthen its brand presence and customer loyalty. Community-focused initiatives can drive customer acquisition and retention, particularly in underserved markets.
What Are PPBB's Competitive Advantages?
- Strong local presence with 23 branches enhances customer relationships.
- Personalized service differentiates it from larger, impersonal banks.
- Established brand reputation built over 100 years in the community.
- Diverse product offerings cater to a wide range of customer needs.
What Does PPBB Do?
Founded in 1921, Peoples Bancorp operates as the holding company for Peoples Bank, headquartered in Bellingham, Washington. The bank has evolved over the decades to offer a comprehensive suite of banking products and services tailored to meet the needs of consumers and businesses across Washington State. Its deposit offerings encompass checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs), catering to a wide range of customer preferences. Additionally, Peoples Bancorp's extensive loan portfolio includes home equity loans, marine and boat financing, personal loans, auto loans, recreational vehicle financing, as well as commercial, small business, and residential mortgage loans. The bank also provides debit and credit card services, employer health savings accounts, employee benefit plans, and various business investment opportunities. Its treasury services cover payment processing, collection, merchant processing, and risk management, further enhanced by online and mobile banking capabilities. With a network of 23 branches strategically located throughout Washington State, Peoples Bancorp is well-positioned to serve its local communities effectively. The bank's focus on personalized service and community engagement differentiates it from larger financial institutions, allowing it to maintain a loyal customer base and a strong reputation in the regional banking sector.
What Products and Services Does PPBB Offer?
- Provide checking, savings, and money market accounts for consumers.
- Offer a range of loans including personal, auto, and home equity financing.
- Facilitate commercial lending and small business loans.
- Deliver treasury services such as payment processing and merchant services.
- Support customers with debit and credit card offerings.
- Enable online and mobile banking for convenient access to accounts.
How Does PPBB Make Money?
- Generate revenue through interest income from loans and fees from banking services.
- Offer a variety of deposit products that attract consumer savings.
- Provide treasury and merchant services to businesses for additional fee income.
- Engage in community-focused banking to build customer loyalty and retention.
What Industry Does PPBB Operate In?
The regional banking industry is characterized by a strong emphasis on community engagement and personalized service. As of 2026, the U.S. regional banking sector is projected to grow steadily, driven by increasing consumer demand for local financial services and personalized banking solutions. With a total market size expected to reach $1.5 trillion, regional banks like Peoples Bancorp are well-positioned to capture market share by leveraging their local knowledge and customer relationships. However, competition from fintech companies and larger banks remains a significant challenge, necessitating ongoing adaptation and innovation in service delivery.
Who Are PPBB's Key Customers?
- Individual consumers seeking personal banking solutions.
- Small businesses requiring commercial lending and banking services.
- Local organizations looking for tailored financial products.
- Community members interested in investment and retirement accounts.
Company Profile
Peoples Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Bellingham, US. The company is led by CEO Aubrey H. Hall. PPBB has traded publicly since 2017.
Key Financial Metrics
Return on equity for Peoples Bancorp stands at 0.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.0%, showing how much profit it generates from its asset base. PPBB trades at a trailing price-to-earnings ratio of 0.00, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
PPBB Financials
Bull Case vs Bear Case
Bull Case
- Strong community presence with established customer relationships.
- Diverse range of banking products and services.
- Low volatility indicated by a beta of 0.04.
- Upcoming: Introduction of new digital banking features to enhance customer experience.
Bear Case
- OTC listing may limit visibility and investor interest.
- Limited geographic reach compared to larger banks.
- Absence of dividend payments could deter income-focused investors.
- Potential: Increased competition from fintech disruptors in the banking sector.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
PPBB Latest News
No recent news available for PPBB.
PPBB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PPBB.
Price Targets
Wall Street price target analysis for PPBB.
PPBB MoonshotScore
What does this score mean?
The MoonshotScore rates PPBB 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: I. Charles LeCocq
CEO
I. Charles LeCocq has a robust background in banking and finance, having held various leadership roles in regional banks over the past two decades. He holds a degree in Business Administration from the University of Washington and has extensive experience in community banking, risk management, and strategic planning.
Track Record: Under LeCocq's leadership, Peoples Bancorp has successfully expanded its branch network and diversified its product offerings, contributing to steady growth in customer deposits and loan origination.
PPBB OTC Market Information
The OTC Other tier represents companies that trade on the over-the-counter market but do not meet the requirements for higher tiers like OTCQX or OTCQB. These companies may have less stringent reporting requirements, which can lead to less transparency and higher risks for investors compared to those listed on major exchanges like NYSE or NASDAQ.
- OTC Tier: OTC Other
- Lower visibility and investor interest due to OTC listing.
- Potential for higher volatility and trading risks.
- Limited financial disclosures may obscure company performance.
- Review recent financial statements and performance metrics.
- Assess management's track record and strategic vision.
- Evaluate the competitive landscape and market positioning.
- Monitor regulatory changes affecting the banking sector.
- Verify the company's operational and financial health.
- Established history as a community bank since 1921.
- Strong local presence with a network of branches.
- Positive customer reviews and community engagement initiatives.
Common Questions About PPBB (Financial Services)
What does Peoples Bancorp do?
Peoples Bancorp operates as the holding company for Peoples Bank, providing a comprehensive range of banking services to consumers and businesses in Washington State. Their offerings include checking and savings accounts, various loan products such as personal and commercial loans, and treasury services. The bank emphasizes personalized service and community engagement, which helps it maintain strong relationships with its customers.
What are the main risks for PPBB?
Peoples Bancorp faces several risks, including increased competition from both traditional banks and fintech companies that may offer more innovative solutions. Additionally, economic downturns could negatively impact loan performance and repayment rates, affecting profitability. Regulatory changes in the banking sector could also impose new compliance requirements, potentially increasing operational costs and affecting the bank's ability to serve its customers effectively.
How is Peoples Bancorp adapting to fintech disruption?
Peoples Bancorp is focusing on enhancing its digital banking capabilities to remain competitive in the evolving financial landscape. This includes investing in online and mobile banking features that cater to tech-savvy customers. By improving its digital offerings, the bank aims to attract a younger demographic while maintaining its commitment to personalized service, which is a hallmark of community banking.
What are the key factors to evaluate for PPBB?
Evaluate PPBB on fundamentals, analyst consensus, and risk factors. Peoples Bancorp (PPBB) operates in a stable regional banking environment, with a focus on community banking that fosters customer loyalty and local engagement. Not financial advice.
How frequently does PPBB data refresh on this page?
PPBB's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven PPBB's recent stock price performance?
Peoples Bancorp (PPBB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong community presence with established customer relationships. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PPBB overvalued or undervalued right now?
Peoples Bancorp (PPBB) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research PPBB before investing?
Before investing in Peoples Bancorp (PPBB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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.