COMP <GO>
PEBO vs WABC // 10Y YIELD & FRED MACRO BETA
Peoples Bancorp Inc. (NASDAQ) VS. Westamerica Bancorporation (NASDAQ) • 15-METRIC TALLY: PEBO 4
— WABC 3
■ METRIC PARITY
LAST: $38.81 (+1.09%) • MKT CAP: $1.39B
macro-sensitivity
—
LAST: $61.40 (+0.79%) • MKT CAP: $1.42B
macro-sensitivity
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PEBO VS. WABC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PEBO | WABC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.50% | 12.40% | -1.90 | WABC | /roic <GO> |
| EV/EBITDA & P/E Valuation | 8.6x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.23% | 8.43% | +0.80 | PEBO | /fcf-yield <GO> |
| Operating Margin | 75.00% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 2.30% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 4.17% | 3.31% | +0.86 | PEBO | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | PEBO | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.5 | 52.5 | +4.95 | PEBO | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.2x | 11.3x | +0.90 | WABC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.39B | $1.42B | -$24.1M | WABC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PEBO REV | WABC REV | PEBO GROSS % | WABC GROSS % | PEBO FCF | WABC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $86.7M | $0 | — | — | $128.7M | $119.7M |
| FY 2024 | $84.8M | $0 | — | — | $136.4M | $139.8M |
| FY 2023 | $79.5M | $0 | — | — | $143.6M | $158.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PEBO // BETA —
WABC // BETA —