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PEBO vs RBCAA
Which Stock Would AI Choose? Peoples Bancorp (PEBO) vs. Republic Bancorp (RBCAA) Stock Comparison
Key Takeaways
- Peoples Bancorp (PEBO) and Republic Bancorp (RBCAA) are both well-capitalized regional banks, but they pursue different growth strategies: PEBO is scaling through acquisitions, while RBCAA leans on organic growth and specialized lending.
- PEBO posted an adjusted earnings beat in its latest quarter and guided for continued net interest margin expansion, supported by two pending mergers.
- RBCAA has delivered stronger year-to-date and multi-year share-price momentum, reflecting record earnings and an efficiency ratio well below industry averages.
- PEBO offers a notably higher dividend yield, while RBCAA trades at a higher price-to-earnings multiple and carries lower overall credit risk metrics.
- Both stocks are sensitive to interest-rate expectations, deposit costs, and regional economic conditions, making their relative performance closely tied to the rate cycle.
Introduction
Regional bank stocks have drawn renewed attention as investors weigh the effects of shifting interest-rate expectations, deposit competition, and credit quality trends. This stock comparison examines two Midwestern and Southeastern community banking franchises: Peoples Bancorp Inc. (PEBO) of Marietta, Ohio, and Republic Bancorp Inc. (RBCAA) of Louisville, Kentucky. Although both operate as financial holding companies with roughly comparable asset bases, their growth models and market positioning differ meaningfully. Income-oriented investors, value investors, and traders tracking financial-sector momentum may all find this relative performance analysis useful when assessing which institution is better positioned in the current environment.
PEBO Overview and Recent Performance
PEBO is a diversified financial holding company providing commercial and consumer banking, trust and investment services, insurance, and equipment leasing through subsidiaries including Peoples Bank, Peoples Insurance, and Vantage. With total assets of roughly $9.7 billion, the company has been deliberately managing its balance sheet just below the $10 billion regulatory threshold even as it pursues growth.
In recent weeks, Peoples Bancorp reported third-quarter adjusted earnings per share (EPS, or profit attributable to each share) of $1.04, exceeding consensus estimates, while net interest margin (NIM, the spread between interest earned on loans and paid on deposits) expanded to 4.31%. Management guided for full-year NIM of 4.2% to 4.3%. Two acquisitions—the Citizens merger and a larger all-stock deal for Capital Bancorp valued near $728 million—have shaped sentiment, adding both a growth catalyst and near-term integration costs. Shares have risen solidly year to date, supported by a dividend yield around 4.4%.
RBCAA Overview and Recent Performance
RBCAA is the parent of Republic Bank & Trust Company, operating roughly 47 banking centers across five states with approximately $7.3 billion in total assets. Its model stands out for its five distinct segments—Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions—which diversify revenue beyond conventional lending.
Republic Bancorp has been a notable outperformer in recent market activity. The company reported its strongest second quarter in history, with EPS of $1.68, and followed a record 2025 marked by 29% diluted EPS growth. Its net interest margin has run well above the regional-bank average, and its efficiency ratio—a measure of overhead relative to revenue where lower is better—has hovered in the mid-40s, among the best in the industry. Strong profitability, a 28th consecutive annual dividend increase, and analyst recognitions have supported relative performance, with the stock delivering substantial year-to-date and multi-year gains.
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Head-to-Head Comparison
The most visible contrast is strategic. PEBO is executing an acquisition-driven expansion strategy—onboarding two mergers that are expected to lift margins, broaden its footprint, and push assets beyond the $10 billion mark. That path brings potential scale benefits but also integration risk, elevated acquisition-related expenses, and modest earnings dilution from all-stock consideration.
RBCAA, by contrast, is growing primarily organically, leveraging specialty lines such as warehouse lending and tax-refund solutions. Its higher net interest margin and superior efficiency ratio translate into stronger profitability metrics, and its share-price momentum has outpaced PEBO over the past year. However, RBCAA's business mix carries some seasonality tied to tax-refund activity, and its higher valuation multiple reflects expectations that may be more demanding.
On risk, PEBO has reported rising classified and criticized loan balances as it integrates acquisitions, while RBCAA has maintained comparatively low credit costs. On income, PEBO's roughly 4.4% dividend yield meaningfully exceeds RBCAA's yield near 2.2%, a key consideration for income-focused portfolios.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely favor RBCAA in the current market environment. The stock's trend consistency has been stronger over recent months and years, supported by record earnings, best-in-class efficiency, and an expanding net interest margin. While PEBO offers an attractive dividend yield and credible merger-driven catalysts, its near-term profile includes integration costs, slightly softer loan-quality metrics, and balance-sheet positioning below the $10 billion threshold. That said, the outcome is probabilistic rather than certain: if PEBO's pending mergers deliver the guided margin expansion, its valuation gap and income appeal could close. Investors should weigh these trade-offs according to their own objectives and risk tolerance.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is PEBO is a Buy and RBCAA is a Hold.
PEBO's RSI Oscillator ascends from oversold territory
The RSI Indicator for PEBO moved out of oversold territory on October 15, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 26 similar instances when the indicator left oversold territory. In 21 of the 26 cases the stock moved higher. This puts the odds of a move higher at 81%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on PEBO as a result. In 60 of 87 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 69%.
The Moving Average Convergence Divergence (MACD) for PEBO just turned positive on October 19, 2026. Looking at past instances where PEBO's MACD turned positive, the stock continued to rise in 35 of 47 cases over the following month. The odds of a continued upward trend are 74%.
Following a +2.60% 3-day Advance, the price is estimated to grow further. Considering data from situations where PEBO advanced for three days, in 166 of 289 cases, the price rose further within the following month. The odds of a continued upward trend are 57%.
Bearish Trend Analysis
The Stochastic Oscillator has been in the overbought zone for 1 day. Expect a price pull-back in the near future.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where PEBO declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 53%.
PEBO broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for PEBO entered a downward trend on October 22, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 19 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 25 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 29 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Valuation Rating of 32 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.110) is normal, around the industry mean (1.268). P/E Ratio (11.400) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (0.140) is also within normal values, averaging (1.190). Dividend Yield (0.044) settles around the average of (0.035) among similar stocks. P/S Ratio (3.061) is also within normal values, averaging (3.738).
The Tickeron Price Growth Rating for this company is 48 (best 1 - 100 worst), indicating steady price growth. PEBO’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 65 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
RBCAA's MACD Histogram crosses above signal line
The Moving Average Convergence Divergence (MACD) for RBCAA turned positive on October 22, 2026. Looking at past instances where RBCAA's MACD turned positive, the stock continued to rise in 30 of 47 cases over the following month. The odds of a continued upward trend are 64%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 38 of 64 cases where RBCAA's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 59%.
Following a +1.74% 3-day Advance, the price is estimated to grow further. Considering data from situations where RBCAA advanced for three days, in 167 of 287 cases, the price rose further within the following month. The odds of a continued upward trend are 58%.
RBCAA may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The 10-day moving average for RBCAA crossed bearishly below the 50-day moving average on September 22, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 5 of 12 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 42%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where RBCAA declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 53%.
The Aroon Indicator for RBCAA entered a downward trend on October 22, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 8 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 15 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is 20 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 44 (best 1 - 100 worst), indicating steady price growth. RBCAA’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 85 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 89 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.565) is normal, around the industry mean (1.268). P/E Ratio (14.055) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (2.290) is also within normal values, averaging (1.190). Dividend Yield (0.021) settles around the average of (0.035) among similar stocks. P/S Ratio (4.630) is also within normal values, averaging (3.738).
PEBO | RBCAA | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 81 | 7 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 32 Undervalued | 89 Overvalued | |
PROFIT vs RISK RATING 1..100 | 25 | 8 | |
SMR RATING 1..100 | 19 | 20 | |
PRICE GROWTH RATING 1..100 | 48 | 44 | |
P/E GROWTH RATING 1..100 | 29 | 15 | |
SEASONALITY SCORE 1..100 | 65 | 85 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
PEBO's Valuation (32) in the Major Banks industry is somewhat better than the same rating for RBCAA (89) in the Regional Banks industry. This means that PEBO’s stock grew somewhat faster than RBCAA’s over the last 12 months.
RBCAA's Profit vs Risk Rating (8) in the Regional Banks industry is in the same range as PEBO (25) in the Major Banks industry. This means that RBCAA’s stock grew similarly to PEBO’s over the last 12 months.
PEBO's SMR Rating (19) in the Major Banks industry is in the same range as RBCAA (20) in the Regional Banks industry. This means that PEBO’s stock grew similarly to RBCAA’s over the last 12 months.
RBCAA's Price Growth Rating (44) in the Regional Banks industry is in the same range as PEBO (48) in the Major Banks industry. This means that RBCAA’s stock grew similarly to PEBO’s over the last 12 months.
RBCAA's P/E Growth Rating (15) in the Regional Banks industry is in the same range as PEBO (29) in the Major Banks industry. This means that RBCAA’s stock grew similarly to PEBO’s over the last 12 months.
| PEBO | RBCAA | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 81% | N/A |
| Stochastic ODDS (%) | 1 day ago 51% | 1 day ago 59% |
| Momentum ODDS (%) | 1 day ago 69% | N/A |
| MACD ODDS (%) | 1 day ago 74% | 1 day ago 64% |
| TrendWeek ODDS (%) | 1 day ago 58% | 1 day ago 62% |
| TrendMonth ODDS (%) | 1 day ago 50% | 1 day ago 56% |
| Advances ODDS (%) | 7 days ago 57% | 7 days ago 58% |
| Declines ODDS (%) | 9 days ago 53% | 9 days ago 53% |
| BollingerBands ODDS (%) | 1 day ago 51% | 1 day ago 60% |
| Aroon ODDS (%) | 1 day ago 52% | 1 day ago 49% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
PEBO’s FA Score shows that 4 FA rating(s) are green while RBCAA’s FA Score has 3 green FA rating(s).
- PEBO’s FA Score: 4 green, 1 red.
- RBCAA’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
PEBO’s TA Score shows that 4 TA indicator(s) are bullish while RBCAA’s TA Score has 4 bullish TA indicator(s).
- PEBO’s TA Score: 4 bullish, 4 bearish.
- RBCAA’s TA Score: 4 bullish, 3 bearish.
Price Growth
PEBO (@Regional Banks) experienced а +4.29% price change this week, while RBCAA (@Regional Banks) price change was +0.48% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.71%. For the same industry, the average monthly price growth was +0.05%, and the average quarterly price growth was +9.08%.
Reported Earning Dates
PEBO is expected to report earnings on Jan 26, 2027.
RBCAA is expected to report earnings on Oct 23, 2026.
Industries' Descriptions
@Regional Banks (+2.71% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
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RBCAA and
Correlation & Price change
A.I.dvisor indicates that over the last year, RBCAA has been closely correlated with PEBO. These tickers have moved in lockstep 79% of the time. This A.I.-generated data suggests there is a high statistical probability that if RBCAA jumps, then PEBO could also see price increases.
| Ticker / NAME | Correlation To RBCAA | 1D Price Change % | ||
|---|---|---|---|---|
| RBCAA | 100% | +1.67% | ||
| PEBO - RBCAA | 79% Closely correlated | +2.30% | ||
| SRCE - RBCAA | 78% Closely correlated | +1.60% | ||
| HTB - RBCAA | 78% Closely correlated | +1.60% | ||
| NBTB - RBCAA | 78% Closely correlated | +2.60% | ||
| PFIS - RBCAA | 77% Closely correlated | +3.13% | ||
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