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Data as of Q3 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Ranked against 18 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| STT | $46.2B | 18.1× | — | 3.3× | 7.3% | — | 21.1% | 10.6% | 10.6% | — | 388 |
| NTRS | $30.9B | 19.4× | — | 3.8× | -2.5% | — | 21.5% | 13.4% | 13.4% | — | 272 |
| CFG | $26.7B | 16.5× | — | 3.2× | 5.6% | — | 22.2% | 7.0% | 4.9% | — | 319 |
| FCNCA | $26.1B | 14.2× | — | 2.7× | -2.2% | — | 23.1% | 9.9% | 3.8% | — | 162 |
| ALLY | $11.6B | 16.1× | — | 1.5× | -3.3% | — | 10.8% | 5.5% | 2.5% | — | 140 |
| UCB | $4.4B | 14.0× | — | 4.1× | 11.7% | — | 30.9% | 9.0% | 8.5% | — | 84 |
| FBP | $4.0B | 12.2× | — | 3.1× | 2.4% | — | 27.5% | 17.5% | 15.3% | — | 67 |
| FHB | $3.1B | 11.4× | — | 3.5× | 8.9% | — | 31.4% | 10.0% | 10.0% | — | 74 |
| BUSE | $2.4B | 19.6× | — | 3.3× | 55.7% | — | 18.8% | 5.5% | 5.5% | — | 61 |
| GABC | $1.8B | 16.0× | — | 3.8× | 37.8% | — | 23.1% | 9.7% | 8.9% | — | 39 |
| PEBO | $1.4B | 12.9× | 12.8× | 16.0× | 2.3% | — | — | 8.8% | 5.8% | 3.1× | 41 |
| UVSP | $1.1B | 12.7× | — | 3.3× | 9.6% | — | 27.7% | 9.6% | 9.4% | — | 49 |
| FMNB | $927M | 10.8× | — | 3.3× | 3.9% | — | 19.5% | 11.2% | 6.4% | — | 33 |
| WASH | $736M | 14.2× | — | 3.2× | 128% | — | 22.8% | 9.6% | 9.6% | — | 39 |
| ACNB | $665M | 18.2× | — | 3.5× | 45.1% | — | 19.3% | 8.8% | 5.0% | — | 22 |
| COFS | $530M | 17.6× | — | 2.3× | 63.6% | — | 12.4% | 6.1% | 6.1% | — | 23 |
| CFFI | $357M | 13.2× | — | 2.5× | 10.6% | — | 19.1% | 10.3% | 9.5% | — | 11 |
| MYFW | $303M | 23.1× | — | 3.1× | 7.6% | — | 13.6% | 5.0% | 5.0% | — | 17 |
| MNSB | $152M | 12.1× | — | 1.1× | -1.6% | 54.3% | 11.5% | 7.1% | 7.1% | — | 16 |
Peers = companies sharing PEBO's sector (State Commercial Banks) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
What the company returns to shareholders — and whether it's covered by cash.
The dividend is comfortably covered — only 45% of free cash flow, leaving room to grow it and fund buybacks. Last year: $58.1M dividends + $838K buybacks = $59.0M returned on $128.7M FCF.
9 consecutive years of dividend increases · 12%/yr.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A balanced mix of reinvestment and shareholder returns.
Reinvestment has been productive — operating income grew well per dollar put in. Current ROIC on all capital: 6%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
Leverage ratios is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $189.0M covers the $54.6M due within a year 3.5× over. Scheduled principal only (excludes interest & revolver draws). As of 2025-12-31 (10-K).
Thin coverage — earnings barely cover interest. Effective rate ~11.5% on $866.7M of debt. Interest last disclosed in FY2023 (no longer broken out).
Cash of $189.0M is below short-term debt of $530.3M — relies on refinancing/operations.
Mostly short-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
A reverse discounted cash flow is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
EOD close · as of 2026-10-30
How a revenue dollar becomes profit — FY2025
Dividends and buybacks are cash paid out, shown here against the same year's profit for scale — not funded from it.
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $86.7M 100.0% | $84.8M 100.0% | $79.5M 100.0% | $70.0M 100.0% | $197K 100.0% | $647K 100.0% | $404K 100.0% | $207K 100.0% | — | — |
| Operating Income | $134.8M 155.4% | $149.5M 176.3% | $145.1M 182.5% | $128.6M 183.9% | $57.0M 28918.8% | $42.6M 6591.3% | $65.4M 16177.7% | $54.9M 26541.5% | $57.2M | $45.3M |
| Interest Expense | — | — | $100.0M 125.8% | $16.1M 23.0% | $12.2M 6211.2% | $18.2M 2810.0% | $29.3M 7241.8% | $21.7M 10459.9% | $13.1M | $10.6M |
| Interest & Investment Income | — | — | — | — | — | — | — | — | $11.6M | $10.6M |
| Income Tax Expense | $28.0M 32.3% | $32.3M 38.1% | $31.8M 40.0% | $27.3M 39.1% | $9.4M 4779.2% | $7.9M 1217.8% | $11.7M 2886.9% | $8.7M 4196.1% | $18.7M | $14.1M |
| Net Income | $106.8M 123.1% | $117.2M 138.3% | $113.4M 142.6% | $101.3M 144.8% | $47.6M 24139.6% | $34.8M 5373.6% | $53.7M 13290.8% | $46.3M 22345.4% | $38.5M | $31.2M |
| Per Share | ||||||||||
| EPS (Basic) | $3.03 | $3.34 | $3.46 | $3.61 | $2.17 | $1.74 | $2.65 | $2.42 | $2.12 | $1.72 |
| EPS (Diluted) | $2.99 | $3.31 | $3.44 | $3.60 | $2.15 | $1.73 | $2.63 | $2.41 | $2.10 | $1.71 |
| Weighted Avg Shares (Basic) | 35.0M | 34.8M | 32.5M | 27.9M | 21.8M | 19.7M | 20.1M | 19.0M | 18.1M | 18.0M |
| Weighted Avg Shares (Diluted) | 35.4M | 35.1M | 32.8M | 28.0M | 22.0M | 19.8M | 20.3M | 19.1M | 18.2M | 18.2M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Last reported position per insider, carried forward. Steps can be a holding disclosed for the first time rather than a trade.
| Date | Insider | What it was | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-10-26 | Smith Dwight Eric Director | Open-market buy | 300 | $38.66 | $12k |
| 2026-10-23 | Augenstein Mark EVP, Operations | Open-market sale | 2,000 | $37.88 | $76k |
| 2026-10-22 | Donlon Hugh J EVP, Community Banking | Open-market sale | 2,650 | $38.12 | $101k |
| 2026-10-02 | Donlon Hugh J EVP, Community Banking |
Every row is classified by what it MEANT, not by its SEC code. A code is not a meaning: code P (“purchase”) also covers dividend reinvestment and employee stock purchase plans, and code S (“sale”) also covers 10b5-1 plan sales scheduled months earlier and option exercises sold the same day.
Across 30 days of all filings, $5.08bn of insider selling contained $3.50bn of plan sales and $0.46bn of exercise-and-sell. Only 29% was discretionary. Reading an unclassified feed badly overstates how much insiders decided.
Buys and sales are counted separately and never netted. They are different decisions by different people; a company where one officer bought while another sold is not “neutral”.
The holding line carries each insider's last reported position forward, so it shows the total held rather than a sawtooth of whoever traded that day. It covers only insiders who filed in the window.
“Filed late” counts calendar days past the two-business-day deadline with five days' grace, so a Thursday or Friday trade crossing a weekend is never flagged. It describes the company's filing discipline, not the trade.
Insider activity is descriptive. Nothing here is investment advice.
| 2,350 |
| $37.48 |
| $88k |
| 2026-09-30 | 2 co-filers Group filing | Grant | 358 | $36.59 | $13k |
| 2026-09-30 | Vittorio Michael N Director | Grant | 358 | $36.59 | $13k |
| 2026-09-30 | James Brooke Williams Director | Grant | 358 | $36.59 | $13k |
| 2026-09-30 | Beam S Craig Director | Grant | 358 | $36.59 | $13k |
| 2026-09-30 | Skinner Frances A Director | Grantindirect | 526 | $36.59 | — |
| 2026-09-30 | Hogan W Glenn Director | Grant | 358 | $36.59 | $13k |
| 2026-09-30 | Schneeberger Carol A Director | Grant | 358 | $36.59 | $13k |
| 2026-09-30 | Kirkham Michael Ryan EVP/General Counsel | Other | 10 | $31.10 | $300 |
| 2026-09-30 | Rector Susan D. Director | Grantindirect | 1,496 | $36.59 | — |
| 2026-09-30 | Smith Dwight Eric Director | Grantindirect | 387 | $36.59 | — |
| 2026-09-30 | Wilcox Tyler J Chief Executive Officer | Other | 145 | $31.10 | $4k |
| 2026-09-30 | Macia Matthew Joseph Chief Risk Officer | Other | 48 | $31.10 | $1k |
| 2026-09-30 | Augenstein Mark EVP, Operations | Other | 19 | $31.10 | $600 |
| 2026-09-30 | Edgell Matthew Chief of Staff | Other | 171 | $31.10 | $5k |
| 2026-09-30 | Reeves Kevin R Director | Grant | 358 | $36.59 | $13k |
| 2026-09-30 | Bailey Kathryn M EVP, Chief Financial Officer | Other | 48 | $31.10 | $1k |
| 2026-09-30 | 2 co-filers Group filing | Grantindirect | 262 | $36.59 | — |
| 2026-09-01 | Macia Matthew Joseph Chief Risk Officer | Tax withholding | 1,092 | $39.09 | $43k |
| 2026-08-06 | Edgell Matthew Chief of Staff | Open-market sale | 3,000 | $41.27 | $124k |
| 2026-07-24 | Donlon Hugh J EVP, Community Banking | Open-market sale | 500 | $39.87 | $20k |
| 2026-07-23 | Smith Dwight Eric Director | Open-market buy | 1,000 | $39.81 | $40k |
| 2026-06-30 | Augenstein Mark EVP, Operations | Other | 18 | $32.65 | $600 |
| 2026-06-30 | Bailey Kathryn M EVP, Chief Financial Officer | Other | 46 | $32.65 | $1k |
| 2026-06-30 | Edgell Matthew Chief of Staff | Other | 163 | $32.65 | $5k |
| 2026-06-30 | Kirkham Michael Ryan EVP/General Counsel | Other | 9 | $32.65 | $300 |
| 2026-06-30 | Macia Matthew Joseph Chief Risk Officer | Other | 46 | $32.65 | $1k |
| 2026-06-30 | Wilcox Tyler J Chief Executive Officer | Other | 138 | $32.65 | $4k |
| 2026-06-30 | Smith Dwight Eric Director | Grantindirect | 365 | $38.41 | — |
| 2026-06-30 | James Brooke Williams Director | Grant | 341 | $38.41 | $13k |
| 2026-06-30 | Vittorio Michael N Director | Grant | 341 | $38.41 | $13k |
| 2026-06-30 | 2 co-filers Group filing | Grant | 341 | $38.41 | $13k |
| 2026-06-30 | Beam S Craig Director | Grant | 341 | $38.41 | $13k |
| 2026-06-30 | Rector Susan D. Director | Grantindirect89d late | 1,409 | $38.41 | — |
| 2026-06-30 | Skinner Frances A Director | Grantindirect | 497 | $38.41 | — |
| 2026-06-30 | Rector Susan D. Director | Grantindirect | 1,368 | $38.41 | — |
| 2026-06-30 | Reeves Kevin R Director | Grant | 341 | $38.41 | $13k |
EOD close · as of 2026-10-30
Where each multiple sits in its own 14-yr range · 88th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE 9% against ROIC 6% — 3% of the return on equity comes from leverage and buybacks rather than from the operating business.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Profit and sales moved in opposite directions this year.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Operating Income | 26541.5 | 16177.7 | 6591.3 | 28918.8 | 183.9 | 182.5 | 176.3 | 155.4 |
| Income Tax | 4196.1 | 2886.9 | 1217.8 | 4779.2 | 39.1 | 40.0 | 38.1 | 32.3 |
| Net Income | 22345.4 | 13290.8 | 5373.6 | 24139.6 | 144.8 | 142.6 | 138.3 | 123.1 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on PEBO: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
Cost of capital cannot be computed, so the spread is unknown.
| Fiscal year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| FY2018 | not reported | 109.3% | 92.0% |
| FY2019 | not reported | 116.1% | 95.4% |
| FY2020 | not reported | 6591.3% | 5373.6% |
| FY2021 | not reported | 92.8% | 77.5% |
| FY2022 | not reported | 183.9% | 144.8% |
| FY2023 | not reported | 182.5% | 142.6% |
| FY2024 | not reported | 176.3% | 138.3% |
| FY2025 | not reported | 155.4% | 123.1% |
Leverage and buybacks account for 3 points of the 9% return on equity in FY2025. The business earns 6% on the capital it employs; the rest is balance sheet.
ROE is on average equity; ROIC is NOPAT over average invested capital (debt plus equity less excess cash). The gap is not a single adjustment.
No material counter-signal in the checked set: ROIC vs WACC spread, 5-year spread history, gross margin trend, operating margin trend, net margin against 3 years ago, revenue growth, ROIC ex-goodwill gap.
Missing from our data, so excluded from this answer: tax_rate.
Free cash flow of $129M exceeds revenue of $87M, so the cash flow statement is carrying customer balances rather than earnings. Cash conversion cannot be read here.
Banks, brokers, insurers and payment companies run customer money through operating cash flow. Treat free cash flow, FCF yield and any DCF on this company as unreliable.
Missing from our data, so excluded from this answer: free cash flow attributable to the company.
Leverage is not measurable this way for a bank.
Ladder as of 2025-12-31 (10-K); cash from the 2025-12-31 balance sheet; FCF from FY2025.
Balance sheet at 2025-12-31. Undrawn revolving credit is not shown: the tag is collected but not yet mapped through to the API.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Missing from our data, so excluded from this answer: capital adequacy metrics for this archetype.
At $38.57, free cash flow must compound 4.2%/yr for 10 years. It has done 11.31%/yr over 6 years after stock compensation.
| Fiscal year | FCF growth | Price requires |
|---|---|---|
| FY2020 | 27.4% | 4.2% |
| FY2021 | 78.8% | 4.2% |
| FY2022 | −25.4% | 4.2% |
| FY2023 | 14.2% | 4.2% |
| FY2024 | 3.9% | 4.2% |
| FY2025 | −5.6% | 4.2% |
The percentile ranks the FISCAL-YEAR point, because the distribution behind each strip is built from fiscal-year closes — ranking a TTM figure inside it would compare two different bases. TTM basis: TTM (share count from the last fiscal year — the TTM window reports none).
The cost of capital could not be computed for this company, so the requirement is solved at the published 10% default — a different rate would move it materially.