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Stock comparison · Signal date 2026-11-03

PEBO vs TMP: stock comparison and AI forecast

Peoples Bancorp Inc (PEBO) and Tompkins Financial Corp (TMP) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market

Share
Nasdaq · State Commercial Banks

PEBO Peoples Bancorp Inc

Market Cap
$1.39B
P/E Ratio
11.8x
Size
small-cap
AI Forecast
NO CURRENT FORECAST
Full analysis →
NYSE · State Commercial Banks

TMP Tompkins Financial Corp

Price
$101.48 +22.2% · 6M
Market Cap
$1.46B
P/E Ratio
8.1x
Size
small-cap
AI Forecast
Full analysis →
Model output

Which one does the AI model favor?

Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.

PEBO · TMP

Key facts

  • PEBO and TMP have similar market capitalizations ($1.39B and $1.46B).
  • TMP trades at 8.1 times trailing earnings, PEBO at 11.8 times.
  • TMP turns 40.2% of its revenue into net income, against 29.5% for PEBO.
  • TMP carries 8.59 times debt per unit of equity, against 7.92 times for PEBO.
  • PEBO yields 4.29% in dividends and TMP 2.65%.
  • Both companies share the SEC industry classification State Commercial Banks.
Fundamentals

Fundamentals side by side

Trailing twelve months.

Valuation & Market

MetricPEBOTMP
Market Cap$1.39B$1.46B
P/E Ratio11.83x8.07x
P/B Ratio1.69x1.56x
Dividend Yield4.29%2.65%
EPS$3.26$12.58
Book Value/Share$22.80$65.10
Revenue/Share$12.31$31.18
FCF/Share$4.75$3.46

Profitability & Margins

MetricPEBOTMP
ROE13.0%19.2%
ROA–2.0%
Operating Margin42.3%–
Net Margin29.5%40.2%
EBT Margin42.3%55.9%
Tax Rate20.4%28.0%

Financial Health

MetricPEBOTMP
D/E Ratio7.92x8.59x
Financial Leverage–9.59x
Interest Coverage0.4x–

Cash Flow

MetricPEBOTMP
Operating Cash Flow$175M$59M
Free Cash Flow$171M$50M
Capital Spending-$4M-$9M
OCF Growth YoY25.3%-40.6%
FCF Growth YoY28.2%-47.5%
FCF/Sales38.6%11.1%
CapEx/Sales0.9%2.1%

Operational Efficiency

MetricPEBOTMP
Asset Turnover–0.05x
Fixed Assets Turnover4.6x6.4x

Income Statement

MetricPEBOTMP
Total Revenue$443M$448M
Operating Income$152M–
Net Income$106M$180M

Dividend & Shareholder Information

MetricPEBOTMP
Dividends Per Share$1.66$2.69
Payout Ratio50.9%21.4%
Shares Outstanding36M14M
Net Income Growth0.0%103.7%
EPS Growth8.0%112.9%
FAQ

PEBO vs TMP: stock comparison and AI forecast

Which is bigger, PEBO or TMP?

PEBO and TMP have similar market capitalizations ($1.39B and $1.46B).

Which is cheaper on earnings, PEBO or TMP?

TMP trades at 8.1 times trailing earnings, PEBO at 11.8 times.

Which one does Intratio's AI model rank higher, PEBO or TMP?

Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.

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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.