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PEBO vs SRCE
Which Stock Would AI Choose? Peoples Bancorp Inc. (PEBO) vs. 1st Source Corporation (SRCE) Stock Comparison
Key Takeaways
- Two Midwest regional banks, two different profiles: PEBO is a dividend-focused acquirer, while SRCE emphasizes diversified fee income and steady dividend growth.
- Relative performance diverges: SRCE has posted stronger recent price momentum, while PEBO has pulled back from its 52-week highs in recent weeks.
- Profitability gap: SRCE shows higher return on equity (ROE) and net margins, while PEBO offers a materially higher dividend yield.
- Both carry low beta: Each stock is less volatile than the broader market, consistent with the defensive nature of regional banking.
- Valuations are comparable: Both trade near 12 times trailing earnings, leaving the decision to qualitative and momentum factors.
Introduction
Investors comparing regional banks often weigh income, growth, and credit quality against market momentum. PEBO (Peoples Bancorp Inc.) and SRCE (1st Source Corporation) both operate in the U.S. Midwest, yet their market positioning has diverged in recent months. This stock comparison is most relevant to income-oriented and value-conscious investors evaluating relative performance, risk factors, and momentum within the financial sector. By examining business models, recent earnings, and sentiment shifts, traders can assess which profile aligns with their objectives in the current environment.
PEBO Overview and Recent Performance
Peoples Bancorp Inc., headquartered in Marietta, Ohio, is a financial holding company operating through Peoples Bank, providing commercial and consumer banking services across Ohio, West Virginia, Kentucky, and adjacent markets. The company has been an active consolidator, and recent market activity reflects an acquisitive strategy, including a announced merger agreement valued at roughly $728 million.
In recent weeks, PEBO has pulled back after a strong run, with the stock trading near $36.72 and below its 50-day moving average. The shares remain up more than 20% over the past year. Sentiment has been shaped by solid second-quarter results, including an adjusted earnings beat and an expanding net interest margin, alongside attention to the bank's approach toward the $10 billion asset threshold, which triggers additional regulatory oversight. A dividend yield near 4.6% continues to attract income investors, even as valuation and integration risk weigh on near-term momentum.
SRCE Overview and Recent Performance
1st Source Corporation, headquartered in South Bend, Indiana, is the bank holding company for 1st Source Bank, serving clients with commercial and consumer banking, trust and wealth advisory services, and insurance products. The company emphasizes diversified revenue and has delivered 38 consecutive years of dividend growth, a track record that underscores its stability.
In recent market activity, SRCE has shown stronger momentum than its peer, trading near $85.91 and holding closer to its 52-week high. The stock is up more than 35% year to date and roughly 48% over the past year. A recent quarterly earnings beat, with earnings per share rising nearly 30% year over year, has supported the advance, and several analysts have raised price targets following the report. Profitability metrics such as ROE near 13% and a net margin approaching 39% reflect a more efficient earnings profile, while a dividend yield near 2% is notably lower than PEBO's.
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Head-to-Head Comparison
Although both companies are regional banks, their business models create meaningful trade-offs. PEBO leans on acquisition-driven growth, which expands its footprint but introduces integration and execution risk. Its higher dividend yield near 4.6% reflects a stronger income orientation. By contrast, SRCE generates more of its earnings from diversified, fee-based businesses, producing higher ROE and net margins but a lower yield.
On momentum, SRCE has been the relative leader, holding closer to highs with rising analyst targets, while PEBO has corrected in recent weeks, leaving its relative strength lower. Risk factors also differ: PEBO faces the regulatory implications of nearing $10 billion in assets and the execution burden of recent deals, whereas SRCE's risks center on commercial and specialized lending credit quality, where non-performing assets have ticked higher. Both stocks maintain low beta, indicating below-market volatility, and both trade at similar earnings multiples, making relative positioning and trend consistency the primary differentiators.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely favor SRCE in the current environment. Its trend consistency, stronger relative momentum, superior profitability metrics, and constructive analyst revisions provide a steadier technical and fundamental backdrop than PEBO's recent pullback. The verdict is probabilistic rather than definitive: PEBO's higher yield and acquisition catalysts could reassert themselves if integration proceeds smoothly and momentum stabilizes. Traders focused on trend and stability may find SRCE's profile more aligned, while income-focused investors may weigh PEBO's dividend advantage differently.
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 Hold and SRCE is a Buy.
PEBO in downward trend: price may decline as a result of having broken its higher Bollinger Band on October 22, 2026
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 A.I.dvisor looked at 47 similar instances where the stock broke above the upper band. In 29 of the 47 cases the stock fell afterwards. This puts the odds of success at 62%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The 10-day RSI Indicator for PEBO moved out of overbought territory on November 05, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 40 similar instances where the indicator moved out of overbought territory. In 20 of the 40 cases, the stock moved lower in the following days. This puts the odds of a move lower at 50%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 34 of 58 cases where PEBO's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 59%.
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 54%.
The Aroon Indicator for PEBO entered a downward trend on October 23, 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.
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 54 of 86 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 63%.
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 20 of 46 cases over the following month. The odds of a continued upward trend are 43%.
PEBO moved above its 50-day moving average on October 29, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for PEBO crossed bullishly above the 50-day moving average on November 03, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 9 of 19 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 47%.
Following a +0.76% 3-day Advance, the price is estimated to grow further. Considering data from situations where PEBO advanced for three days, in 166 of 288 cases, the price rose further within the following month. The odds of a continued upward trend are 58%.
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 23 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 28 (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 29 (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 (1.122) is normal, around the industry mean (1.262). P/E Ratio (11.522) is within average values for comparable stocks, (13.480). Projected Growth (PEG Ratio) (0.140) is also within normal values, averaging (1.194). 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 (3.740).
The Tickeron Price Growth Rating for this company is 42 (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 50 (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.
SRCE in upward trend: price rose above 50-day moving average on October 22, 2026
SRCE moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend. In 32 of 54 similar past instances, the stock price increased further within the following month. The odds of a continued upward trend are 59%.
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. 34 of 64 cases where SRCE'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 53%.
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on SRCE as a result. In 49 of 83 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 59%.
The Moving Average Convergence Divergence (MACD) for SRCE just turned positive on October 16, 2026. Looking at past instances where SRCE's MACD turned positive, the stock continued to rise in 17 of 40 cases over the following month. The odds of a continued upward trend are 43%.
The 10-day moving average for SRCE crossed bullishly above the 50-day moving average on October 26, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 8 of 15 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 53%.
Following a +0.76% 3-day Advance, the price is estimated to grow further. Considering data from situations where SRCE advanced for three days, in 173 of 304 cases, the price rose further within the following month. The odds of a continued upward trend are 57%.
Bearish Trend Analysis
Following a 3-day decline, the stock is projected to fall further. Considering past instances where SRCE 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 SRCE entered a downward trend on October 20, 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 9 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
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 PE Growth Rating for this company is 20 (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 Price Growth Rating for this company is 41 (best 1 - 100 worst), indicating steady price growth. SRCE’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 80 (best 1 - 100 worst) indicates that the company is slightly 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 (1.598) is normal, around the industry mean (1.262). P/E Ratio (12.473) is within average values for comparable stocks, (13.480). Projected Growth (PEG Ratio) (0.380) is also within normal values, averaging (1.194). Dividend Yield (0.021) settles around the average of (0.035) among similar stocks. P/S Ratio (4.617) is also within normal values, averaging (3.740).
PEBO | SRCE | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 78 | 40 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 29 Undervalued | 80 Overvalued | |
PROFIT vs RISK RATING 1..100 | 23 | 9 | |
SMR RATING 1..100 | 19 | 19 | |
PRICE GROWTH RATING 1..100 | 42 | 41 | |
P/E GROWTH RATING 1..100 | 28 | 20 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
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 (29) in the Major Banks industry is somewhat better than the same rating for SRCE (80) in the Regional Banks industry. This means that PEBO’s stock grew somewhat faster than SRCE’s over the last 12 months.
SRCE's Profit vs Risk Rating (9) in the Regional Banks industry is in the same range as PEBO (23) in the Major Banks industry. This means that SRCE’s stock grew similarly to PEBO’s over the last 12 months.
SRCE's SMR Rating (19) in the Regional Banks industry is in the same range as PEBO (19) in the Major Banks industry. This means that SRCE’s stock grew similarly to PEBO’s over the last 12 months.
SRCE's Price Growth Rating (41) in the Regional Banks industry is in the same range as PEBO (42) in the Major Banks industry. This means that SRCE’s stock grew similarly to PEBO’s over the last 12 months.
SRCE's P/E Growth Rating (20) in the Regional Banks industry is in the same range as PEBO (28) in the Major Banks industry. This means that SRCE’s stock grew similarly to PEBO’s over the last 12 months.
| PEBO | SRCE | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 50% | N/A |
| Stochastic ODDS (%) | 2 days ago 59% | 2 days ago 53% |
| Momentum ODDS (%) | 2 days ago 63% | 2 days ago 59% |
| MACD ODDS (%) | 2 days ago 43% | 2 days ago 43% |
| TrendWeek ODDS (%) | 2 days ago 53% | 2 days ago 55% |
| TrendMonth ODDS (%) | 2 days ago 53% | 2 days ago 55% |
| Advances ODDS (%) | 17 days ago 58% | 16 days ago 57% |
| Declines ODDS (%) | 6 days ago 54% | 6 days ago 53% |
| BollingerBands ODDS (%) | 2 days ago 62% | N/A |
| Aroon ODDS (%) | 2 days ago 51% | 2 days ago 54% |
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 SRCE’s FA Score has 3 green FA rating(s).
- PEBO’s FA Score: 4 green, 1 red.
- SRCE’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 5 TA indicator(s) are bullish while SRCE’s TA Score has 6 bullish TA indicator(s).
- PEBO’s TA Score: 5 bullish, 5 bearish.
- SRCE’s TA Score: 6 bullish, 2 bearish.
Price Growth
PEBO (@Regional Banks) experienced а -1.10% price change this week, while SRCE (@Regional Banks) price change was -0.14% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -1.19%. For the same industry, the average monthly price growth was +2.45%, and the average quarterly price growth was +11.85%.
Reported Earning Dates
PEBO is expected to report earnings on Jan 26, 2027.
SRCE is expected to report earnings on Jan 21, 2027.
Industries' Descriptions
@Regional Banks (-1.19% 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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PEBO and
Correlation & Price change
A.I.dvisor indicates that over the last year, PEBO has been closely correlated with SRCE. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if PEBO jumps, then SRCE could also see price increases.
| Ticker / NAME | Correlation To PEBO | 1D Price Change % | ||
|---|---|---|---|---|
| PEBO | 100% | -0.70% | ||
| SRCE - PEBO | 85% Closely correlated | -0.50% | ||
| NWBI - PEBO | 85% Closely correlated | -0.33% | ||
| FCF - PEBO | 84% Closely correlated | +0.09% | ||
| CAC - PEBO | 82% Closely correlated | +0.10% | ||
| THFF - PEBO | 81% Closely correlated | +0.29% | ||
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SRCE and
Correlation & Price change
A.I.dvisor indicates that over the last year, SRCE has been closely correlated with CAC. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if SRCE jumps, then CAC could also see price increases.
| Ticker / NAME | Correlation To SRCE | 1D Price Change % | ||
|---|---|---|---|---|
| SRCE | 100% | -0.50% | ||
| CAC - SRCE | 87% Closely correlated | +0.10% | ||
| THFF - SRCE | 87% Closely correlated | +0.29% | ||
| NBTB - SRCE | 86% Closely correlated | -0.43% | ||
| FMBH - SRCE | 86% Closely correlated | -0.50% | ||
| PEBO - SRCE | 85% Closely correlated | -0.70% | ||
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| 1 Day | |||
|---|---|---|---|
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| TEXN | 31.98 | -0.06 | -0.18% |
| iShares Texas Equity ETF (TEXN) | |||
| FHYS | 22.66 | -0.05 | -0.20% |
| Federated Hermes Short Duration High Yield ETF (FHYS) | |||
| SMIZ | 40.33 | -0.08 | -0.20% |
| Zacks Small/Mid Cap ETF (SMIZ) | |||
| TGRW | 44.03 | -0.24 | -0.55% |
| T. Rowe Price Growth Stock ETF (TGRW) | |||
| RZC | 25.36 | -0.16 | -0.63% |
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