Peoples Bancorp (NASDAQ:PEBO) and Stock Yards Bancorp (NASDAQ:SYBT) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, dividends, analyst recommendations, earnings, risk, valuation and institutional ownership.
Insider and Institutional Ownership
58.5% of Peoples Bancorp shares are held by institutional investors. Comparatively, 51.2% of Stock Yards Bancorp shares are held by institutional investors. 2.9% of Peoples Bancorp shares are held by insiders. Comparatively, 8.3% of Stock Yards Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Peoples Bancorp pays an annual dividend of $1.36 per share and has a dividend yield of 4.2%. Stock Yards Bancorp pays an annual dividend of $1.04 per share and has a dividend yield of 2.6%. Peoples Bancorp pays out 51.5% of its earnings in the form of a dividend. Stock Yards Bancorp pays out 43.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Volatility & Risk
Peoples Bancorp has a beta of 0.74, indicating that its stock price is 26% less volatile than the S&P 500. Comparatively, Stock Yards Bancorp has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500.
This table compares Peoples Bancorp and Stock Yards Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Stock Yards Bancorp||33.17%||16.95%||1.91%|
Valuation and Earnings
This table compares Peoples Bancorp and Stock Yards Bancorp’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Peoples Bancorp||$208.02 million||3.26||$46.26 million||$2.64||12.40|
|Stock Yards Bancorp||$175.12 million||5.24||$55.52 million||$2.42||16.78|
Stock Yards Bancorp has lower revenue, but higher earnings than Peoples Bancorp. Peoples Bancorp is trading at a lower price-to-earnings ratio than Stock Yards Bancorp, indicating that it is currently the more affordable of the two stocks.
This is a summary of recent recommendations for Peoples Bancorp and Stock Yards Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Stock Yards Bancorp||0||1||0||0||2.00|
Stock Yards Bancorp has a consensus price target of $36.00, suggesting a potential downside of 11.35%. Given Stock Yards Bancorp’s higher probable upside, analysts plainly believe Stock Yards Bancorp is more favorable than Peoples Bancorp.
Stock Yards Bancorp beats Peoples Bancorp on 9 of the 14 factors compared between the two stocks.
Peoples Bancorp Company Profile
Peoples Bancorp Inc. operates as the holding company for Peoples Bank that provides commercial and retail banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and provides commercial real estate construction loans, other commercial real estate loans, commercial and industrial loans, residential real estate loans, home equity lines of credit, and indirect and other consumer loans. It also offers overdraft protection services; debit and automated teller machine (ATM) cards; corporate and personal trust services; safe deposit rental facilities; money orders and cashier's checks; and telephone, mobile, and Internet-based banking services. In addition, the company provides various life, health, and property and casualty insurance products; and fiduciary and asset management and administration services, as well as employee benefit plans. Further, it offers brokerage services through an unaffiliated registered broker-dealers; and credit cards to individuals and businesses, as well as provides merchant credit card transaction processing services through joint marketing arrangements with third parties. As of March 01, 2019, the company operated 81 locations, including 72 full-service bank branches and 76 ATMs in Ohio, West Virginia, and Kentucky. Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio.
Stock Yards Bancorp Company Profile
Stock Yards Bancorp, Inc. operates as the holding company for Stock Yards Bank & Trust Company that provides commercial and personal banking services in Louisville, Indianapolis, and Cincinnati. Its deposit products include demand deposits, savings deposits, money market deposits, and time deposits. The company's loan portfolio comprises commercial and industrial, construction and development, undeveloped land, real estate mortgage, and consumer loans; and originates and sells single-family residential mortgages. In addition, it offers securities brokerage services through an arrangement with a third party broker-dealer; and investment management, trust, employee benefit plan, estate administration, and financial planning services. As of December 31, 2018, the company had 38 full service banking locations, including 28 in the Louisville metropolitan statistical area (MSA), 5 in Indianapolis MSA, and 5 in Cincinnati MSA. Stock Yards Bancorp, Inc. was founded in 1904 and is headquartered in Louisville, Kentucky.
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