WABC (63) FMBH (62) BHRB (61) HBT (70) ⌘ Pro Terminal →

Peoples Bancorp Inc. (PEBO) — RQD Stock Rating Cockpit

$38.81 +1.09% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $38.98

Peoples Bancorp Inc. (PEBO) earns a Roarable Rating of B (Buy) with 72/100 RQD Confidence. High-quality cash engine (steady margins, 11% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 72/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.0% avg 90D alpha vs SPY • 68.7% hit rate) →

ROARABLE B • BUY Cap $1.39B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $38.98 (+0.44%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 148.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 72/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.0% avg 90D alpha vs SPY • 68.7% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

JEV AI Jury 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 SNOWFLAKE RADARRw C+ · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+6.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PEBO)Realized 20D OHLCV Swing Band: ±4%

Deterministic 5-Pillar Attribution (72/100 Composite)

🔍 WHY PEBO SCORES 72/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+18/20 pts (25% of score)

FRED Regime × Technicals: 76% of 52W Range • RSI-14 at 57.5 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (22% of score)

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

▼ #1 Drag / Risk Factor: Whale & Options Positioning12/20 pts (-8 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$35.80+2.6% Next Q

Q2 (-2Q)

Grade B-$36.72+4% Next Q

Q3 (-1Q)

Grade B-$38.20+1.6% Next Q

Current

Grade B$38.81+7% Hist 90D α

Trajectory: C+ (64) → B (72)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 72/100 (B) 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 ($38.41) or 200D SMA ($36.08) invalidates the momentum regime and cuts Target Base ($41.26) toward Bear Floor ($31.82).

🎲 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”

YES 72%NO 28%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

57.530 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE76% OF RANGE

L: $28$38.81H: $42

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B-RQD 28 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B+RQD 31 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on PEBO

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (65)

10.5% ROIC with 42.0% gross margin and 9.23% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (77)

28/40 institutional & smart-money positioning score with 18/20 macro alignment.

Bull Case: Why Buyers Like PEBO

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

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

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?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PEBO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +12.82%▲ RESISTANCE BREAKOUT

2026-10-30O $39.00H $39.00L $38.37C $38.81VOL 501.6K

RES: $38.25SUP: $34.61SMA50: $38.41SMA200: $36.08

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

🦋 PEBO Butterfly Map → + Track PEBO →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #97 of 1096 ⚔️ WABC vs PEBO Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Peoples Bancorp Inc. (PEBO) ranks #97 by composite RQD confidence (72/100, grade B) and #504 by equity capitalization ($1.39B). Within this direct 5-issuer industry benchmark cohort, WABC leads on earnings valuation at 12.2x trailing P/E, while BHRB leads on capital efficiency and profitability with 13.7% ROIC and — gross margin. PEBO currently leads its immediate peer cohort in composite quantitative strength at 72/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PEBO ACTIVE Peoples Bancorp Inc.	B	72/100	13.1x	—	10.5%	+1.09%	$1.39B	Benchmark Subject
WABC Westamerica Bancorporation	C	63/100	12.2x	—	12.4%	+0.79%	$1.42B	/wabc-vs-pebo →
FMBH First Mid Bancshares Inc.	C	62/100	14.8x	—	9.6%	+1.21%	$1.36B	/fmbh-vs-pebo →
BHRB Burke & Herbert Financial Services Corp.	C-	61/100	12.2x	—	13.7%	+0.88%	$1.43B	/bhrb-vs-pebo →
HBT HBT Financial Inc.	B-	70/100	17.4x	—	12.5%	+1.10%	$1.34B	/hbt-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 2026-11-01, Peoples Bancorp Inc. (NASDAQ: PEBO) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 at a spot price of $38.81 (+1.09% 1D, market cap $1.39B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, PEBO ranks #97 in composite RQD confidence.

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

Within the Financials sector (Major Banks), PEBO carries a Roarable B (72/100 RQD), trailing P/E of 13.1x, gross margin of —, and ROIC of 10.5%. By comparison, WABC (Westamerica Bancorporation) holds a C grade (63/100 RQD, P/E 12.2x, ROIC 12.4%, cap $1.42B) and FMBH (First Mid Bancshares Inc.) posts a C grade (62/100 RQD, P/E 14.8x, ROIC 9.6%, cap $1.36B). Among the 5-stock peer group, WABC leads on earnings multiple (12.2x) while BHRB leads on capital efficiency (13.7% 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 $38.81 (+1.09% on volume of 404,652 shares), positioning the stock +1.04% above its 50-day simple moving average ($38.41) and +7.57% above its 200-day simple moving average ($36.08). Across its 52-week range of $28.01 to $42.29, PEBO sits at the 75.6% percentile with a 14-day RSI of 57.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.0% ($37.26 to $40.36).

PEBO Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PEBO stock right now?

Peoples Bancorp Inc. (PEBO) currently earns a Roarable Rating of B (Buy — BUY) with 72/100 RQD Confidence. High-quality cash engine (steady margins, 11% return on capital) with steady institutional support.

What is PEBO's 12-month price target and RQD AI Jury consensus?

PEBO's 12-month base price target is $41.26 (range $31.82 to $48.69), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: PEBO RQD Cockpit PEBO 12M Forecast PEBO Earnings & Move PEBO Dividends & DRIP PEBO Insiders & 13F PEBO Whale Options PEBO Profit Sankey PEBO News & Why