FNLC
Price
$27.81
Change
+$0.34 (+1.24%)
Updated
Dec 12 closing price
Capitalization
312.01M
Intraday BUY SELL Signals
PEBO
Price
$31.42
Change
+$0.13 (+0.42%)
Updated
Dec 12 closing price
Capitalization
1.12B
43 days until earnings call
Intraday BUY SELL Signals
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FNLC vs PEBO

Header iconFNLC vs PEBO Comparison
Open Charts FNLC vs PEBOBanner chart's image
First Ban
Price$27.81
Change+$0.34 (+1.24%)
Volume$22.51K
Capitalization312.01M
Peoples Ban
Price$31.42
Change+$0.13 (+0.42%)
Volume$187.09K
Capitalization1.12B
FNLC vs PEBO Comparison Chart in %
FNLC
Daily Signal:
Gain/Loss:
PEBO
Daily Signal:
Gain/Loss:
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VS
FNLC vs. PEBO commentary
Dec 15, 2025

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 FNLC is a StrongBuy and PEBO is a Hold.

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COMPARISON
Comparison
Dec 15, 2025
Stock price -- (FNLC: $27.47 vs. PEBO: $31.29)
Brand notoriety: FNLC and PEBO are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FNLC: 109% vs. PEBO: 154%
Market capitalization -- FNLC: $312.01M vs. PEBO: $1.12B
FNLC [@Regional Banks] is valued at $312.01M. PEBO’s [@Regional Banks] market capitalization is $1.12B. The market cap for tickers in the [@Regional Banks] industry ranges from $171.57B to $0. The average market capitalization across the [@Regional Banks] industry is $8.41B.

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 undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FNLC’s FA Score shows that 1 FA rating(s) are green whilePEBO’s FA Score has 3 green FA rating(s).

  • FNLC’s FA Score: 1 green, 4 red.
  • PEBO’s FA Score: 3 green, 2 red.
According to our system of comparison, PEBO is a better buy in the long-term than FNLC.

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.

FNLC’s TA Score shows that 6 TA indicator(s) are bullish while PEBO’s TA Score has 7 bullish TA indicator(s).

  • FNLC’s TA Score: 6 bullish, 4 bearish.
  • PEBO’s TA Score: 7 bullish, 4 bearish.
According to our system of comparison, FNLC is a better buy in the short-term than PEBO.

Price Growth

FNLC (@Regional Banks) experienced а +5.09% price change this week, while PEBO (@Regional Banks) price change was +3.10% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.16%. For the same industry, the average monthly price growth was +5.32%, and the average quarterly price growth was +17.66%.

Reported Earning Dates

PEBO is expected to report earnings on Jan 27, 2026.

Industries' Descriptions

@Regional Banks (+2.16% 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.

SUMMARIES
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FUNDAMENTALS
Fundamentals
PEBO($1.12B) has a higher market cap than FNLC($312M). PEBO has higher P/E ratio than FNLC: PEBO (10.99) vs FNLC (9.90). FNLC YTD gains are higher at: 6.269 vs. PEBO (4.337). PEBO has more cash in the bank: 121M vs. FNLC (27.4M). FNLC has less debt than PEBO: FNLC (95.5M) vs PEBO (697M). PEBO has higher revenues than FNLC: PEBO (448M) vs FNLC (91.1M).
FNLCPEBOFNLC / PEBO
Capitalization312M1.12B28%
EBITDAN/AN/A-
Gain YTD6.2694.337145%
P/E Ratio9.9010.9990%
Revenue91.1M448M20%
Total Cash27.4M121M23%
Total Debt95.5M697M14%
FUNDAMENTALS RATINGS
FNLC vs PEBO: Fundamental Ratings
FNLC
PEBO
OUTLOOK RATING
1..100
7766
VALUATION
overvalued / fair valued / undervalued
1..100
24
Undervalued
21
Undervalued
PROFIT vs RISK RATING
1..100
4434
SMR RATING
1..100
4620
PRICE GROWTH RATING
1..100
4950
P/E GROWTH RATING
1..100
7133
SEASONALITY SCORE
1..100
5050

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 (21) in the Major Banks industry is in the same range as FNLC (24) in the Regional Banks industry. This means that PEBO’s stock grew similarly to FNLC’s over the last 12 months.

PEBO's Profit vs Risk Rating (34) in the Major Banks industry is in the same range as FNLC (44) in the Regional Banks industry. This means that PEBO’s stock grew similarly to FNLC’s over the last 12 months.

PEBO's SMR Rating (20) in the Major Banks industry is in the same range as FNLC (46) in the Regional Banks industry. This means that PEBO’s stock grew similarly to FNLC’s over the last 12 months.

FNLC's Price Growth Rating (49) in the Regional Banks industry is in the same range as PEBO (50) in the Major Banks industry. This means that FNLC’s stock grew similarly to PEBO’s over the last 12 months.

PEBO's P/E Growth Rating (33) in the Major Banks industry is somewhat better than the same rating for FNLC (71) in the Regional Banks industry. This means that PEBO’s stock grew somewhat faster than FNLC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FNLCPEBO
RSI
ODDS (%)
Bearish Trend 4 days ago
86%
Bearish Trend 4 days ago
68%
Stochastic
ODDS (%)
Bearish Trend 4 days ago
58%
Bearish Trend 4 days ago
69%
Momentum
ODDS (%)
Bullish Trend 4 days ago
62%
Bullish Trend 4 days ago
59%
MACD
ODDS (%)
Bullish Trend 4 days ago
56%
Bullish Trend 4 days ago
50%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
52%
Bullish Trend 4 days ago
56%
TrendMonth
ODDS (%)
Bullish Trend 4 days ago
53%
Bullish Trend 4 days ago
50%
Advances
ODDS (%)
Bullish Trend 4 days ago
52%
Bullish Trend 24 days ago
56%
Declines
ODDS (%)
Bearish Trend 17 days ago
52%
Bearish Trend 10 days ago
56%
BollingerBands
ODDS (%)
Bearish Trend 4 days ago
76%
Bearish Trend 4 days ago
53%
Aroon
ODDS (%)
Bullish Trend 4 days ago
45%
Bullish Trend 4 days ago
40%
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FNLC
Daily Signal:
Gain/Loss:
PEBO
Daily Signal:
Gain/Loss:
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FNLC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FNLC has been closely correlated with HFWA. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNLC jumps, then HFWA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FNLC
1D Price
Change %
FNLC100%
+1.40%
HFWA - FNLC
75%
Closely correlated
+0.36%
KRNY - FNLC
75%
Closely correlated
-0.13%
MCBS - FNLC
74%
Closely correlated
+1.06%
PEBO - FNLC
74%
Closely correlated
-0.13%
PKBK - FNLC
74%
Closely correlated
+1.25%
More

PEBO and

Correlation & Price change

A.I.dvisor indicates that over the last year, PEBO has been closely correlated with HOPE. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if PEBO jumps, then HOPE could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PEBO
1D Price
Change %
PEBO100%
-0.13%
HOPE - PEBO
88%
Closely correlated
+0.35%
CTBI - PEBO
88%
Closely correlated
+1.21%
FMBH - PEBO
87%
Closely correlated
+1.25%
UBSI - PEBO
87%
Closely correlated
+0.64%
UVSP - PEBO
87%
Closely correlated
+1.78%
More