B+
Bull case
25%
Probability
Target price
$45.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
PEBO
Peoples BancorpCNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
The adjusted EPS beat, wider margin and higher fee income support better earnings power if credit costs remain controlled. Management projects a 4.30%–4.50% margin for 2027 excluding the pending Capital deal, but that outlook assumes specified rate increases and is not assured SEC Q3 presentation.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -1.2.
What can break
Citizens and Capital remain pending; regulatory, shareholder, integration and all-stock transaction risks are unresolved [#SEC-8K-2026-10-20].
Momentum
47
Value
57
Sentiment
57
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $38.00 · Bull $45.00 · Bear $31.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-30 • Vendor: Data Vendor v1
Scores
As of 2026-10-30 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-30
Investment thesis
As of 2026-10-30
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-30. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $42.83
Why
Momentum47 · Δ7d +13.4
Value57 · Δ7d -1.2
Sentiment57 · Δ7d +3.4
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Value remains the lead driver in the composite, 7D delta -1.2.
Contradictions & invalidation
- • Citizens and Capital remain pending; regulatory, shareholder, integration and all-stock transaction risks are unresolved [#SEC-8K-2026-10-20].
- • Higher Q3 net charge-offs partly offset the benefit from lower individually analyzed reserves [#SEC-8K-2026-10-20].
- • Only modest organic loan growth, higher net charge-offs, securities-sale losses and two pending acquisitions complicate the adjusted beat.
Catalyst clock
2026-11-15
Q3 earnings beat faces post-print scrutiny
Lead driver: Value · See fundamentals
Momentum
47
8% active weight
Current posture
7d trendImproving
Δ7d
+13.4
Δ21d
+5.1
Value
57
47% active weight
Current posture
7d trendSoftening
Δ7d
-1.2
Δ21d
-1.9
Sentiment
57
45% active weight
Current posture
7d trendImproving
Δ7d
+3.4
Δ21d
-21.9
Why this grade
Composite grade C. Momentum 46.7 / Value 56.5 / Sentiment 56.6
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$38.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$31.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-10-30
Fundamentals (TTM)
As of 2026-10-30
Market Cap
$1.39B
Beta
0.66
Shares Out
35.96M
P/E (TTM)
10.7
P/S (TTM)
2.42
P/FCF (TTM)
14.47
Rev YoY
-3.5%
EPS YoY
+30.9%
Gross Margin
-
Op Margin
+24.9%
Net Debt
$636.47M
Current Ratio
0.05
As of 2026-10-30 • Updated nightlySource: Internal modelMethods & Data