Peoples Bancorp Inc. PEBO R2K

Financial Services · Banks - Regional · United States

https://www.peoplesbancorp.com

Peoples Bancorp Inc. operates as the financial holding company for Peoples Bank that provides commercial and consumer banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, certificates of deposit, and governmental deposits; and provides commercial and industrial, commercial real estate, construction, finance, residential real estate, and consumer indirect and direct loans, as well as home equity lines of credit and overdrafts. It also offers debit and automated teller machine (ATM) cards; safe deposit rental facilities; money orders and cashier's checks; and online, telephone, and mobile banking services. In addition, it provides various life, health, and property and casualty insurance products; third-party insurance administration; interactive teller machines; insurance premium financing; commercial and technology equipment leasing; fiduciary and trust; equipment financing agreements; and asset management and administration services, as well as employee benefit, retirement, and healthcare plan administration services. Further, the company offers brokerage services through an unaffiliated registered broker-dealer; and credit cards to individuals and businesses, as well as merchant credit card transaction processing, and person-to-person and business-to-business payment processing services. Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio.

Market & Price

Market Cap

$1.25B

Current Price

$34.78

High / Low (52W)

$34.94 / $26.61

Beta

0.62

Valuation

Stock P/E

11.15

Industry PE

12.01

Forward P/E

9.36

PEG Ratio

1.45

Book Value

$33.94

Price to Book

1.02

P/S

2.95

EV/EBITDA

Dividend Yield

4.83%

Profitability & Returns

ROCE

ROE

9.47%

ROA

1.18%

Profit Margin

26.29%

Op Margin

37.12%

EPS (Latest Qtr)

$0.81

EPS (TTM)

$3.12

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$709.57M

Total Assets

$9.65B

Current Assets

Working Capital

Ownership

Promoter Holding

3.15%

Chg in Prom Hold

FII / Inst Holding

66.66%

Chg in FII Hold

0.00%

Financial Snapshot

Enterprise Value

$1.76B

Total Revenue (TTM)

$423.96M

EBITDA

Free Cash Flow

Operating Cash Flow

$134.97M

Shares Outstanding

35.92M

Gross Margin

0.00%

Payout Ratio

52.56%

Growth (CAGR)

Revenue 5Y

11.94%

Profit 5Y

1.77%

Revenue (YoY)

6.70%

Earnings (YoY)

19.10%

PROS

Excellent profit margin of 26.3%.
Compounding revenue at 11.9% over 5 years.
Attractive dividend yield of 4.83%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	PEBO Peoples Bancorp Inc. R2K	34.78	11.15	$1.25B	4.83%	-	9.47%	11.94%	1.77%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	13.03M	12.18M	12.62M	-	13.38M	13.90M	14.35M	-	13.95M	13.11M	13.24M	-	15.17M	14.33M	14.68M	18.11M	17.45M	17.14M	18.91M	19.53M	20.39M	21.92M	20.57M	20.44M	109.57M	111.51M	112.11M	120.83M	115.88M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	7.14M	5.50M	-	11.65M	11.44M	11.45M	-	12.66M	14.18M	16.02M	-	14.12M	8.90M	15.55M	-	17.75M	11.84M	18.15M	-	-921.00K	5.88M	12.85M	-	19.24M	12.49M	-7.93M	29.54M	31.73M	33.39M	33.61M	27.26M	40.73M	37.85M	35.88M	40.88M	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	39.29M	38.83M	41.46M	39.50M	36.40M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	31.38M	27.45M	38.00M	37.98M	37.34M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.04M	6.24M	8.53M	6.22M	8.34M
Net Income	4.91M	4.13M	2.58M	8.00M	7.96M	7.79M	7.41M	8.81M	9.77M	10.89M	9.00M	11.74M	7.89M	12.72M	13.90M	14.37M	9.60M	14.87M	14.86M	-765.00K	4.75M	10.21M	20.57M	15.46M	10.10M	-5.76M	23.58M	24.89M	25.98M	26.56M	21.10M	31.88M	29.58M	29.01M	31.68M	24.34M	21.21M	29.48M	31.75M	29.01M
Diluted EPS	0.27	0.22	0.14	0.44	0.44	0.43	0.41	0.48	0.53	0.60	0.49	0.64	0.41	0.65	0.71	0.73	0.46	0.72	0.72	-0.04	0.23	0.51	1.05	0.79	0.51	-0.28	0.84	0.88	0.92	0.94	0.64	0.90	0.84	0.82	0.89	0.68	0.59	0.83	0.89	0.81

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	50.25M	56.28M	53.93M	61.37M	323.66M	422.47M	443.83M	454.01M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	3.13M	5.75M	17.15M	29.91M	29.08M	24.18M	14.82M	45.28M	57.20M	54.94M	65.36M	42.65M	56.97M	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	16.11M	100.03M	172.07M	159.08M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	128.64M	145.13M	149.46M	134.81M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	27.35M	31.76M	32.26M	28.03M
Net Income	4.19M	5.58M	12.55M	20.39M	17.57M	16.68M	10.94M	31.16M	38.47M	46.26M	53.70M	34.77M	47.55M	101.29M	113.36M	117.20M	106.78M
Diluted EPS	0.22	0.34	1.07	1.92	1.63	1.35	0.61	1.71	2.10	2.41	2.63	1.73	2.15	3.60	3.44	3.31	2.99

Compounded Sales Growth

5 Years:	11.94%
1 Year:	6.70%

Compounded Profit Growth

5 Years:	1.77%
1 Year:	19.10%

Stock Price Performance

1 Year:	+25.19%
6 Months:	+19.09%
3 Months:	+9.10%
1 Month:	+3.46%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.84B	1.79B	1.92B	2.06B	2.57B	3.26B	3.43B	3.58B	3.99B	4.35B	4.76B	-	7.21B	9.16B	9.25B	9.65B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	35.60M	41.77M	62.54M	38.95M	62.54M	53.82M	61.45M	71.11M	66.15M	72.19M	77.61M	115.19M	152.10M	-	154.02M	426.72M	217.66M	188.95M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	336.64M	403.21M	393.70M	349.17M
Total Liabilities	-	-	1.61B	1.59B	1.70B	1.84B	2.23B	2.84B	3.00B	3.12B	3.47B	3.76B	4.19B	-	6.42B	8.10B	8.14B	8.44B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	157.70M	142.31M	128.82M	121.83M	179.08M	113.67M	145.16M	144.02M	109.64M	83.12M	110.57M	-	101.09M	216.24M	238.07M	204.14M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	501.09M	634.62M	413.18M	714.15M
Total Equity	186.63M	243.97M	206.66M	206.66M	221.73M	221.55M	340.12M	419.79M	435.26M	458.59M	520.14M	594.39M	575.67M	-	785.33M	1.05B	1.11B	1.21B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	29.86M	36.74M	36.78M	36.84M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	23.26M	45.12M	43.38M	41.25M	40.46M	31.50M	47.88M	60.66M	61.03M	75.24M	67.16M	85.48M	-	119.84M	143.64M	143.19M	134.73M
Investing Cash Flow	-	-	-	-	-	-	-	-	-162.69M	-130.16M	1.05M	-393.92M	-	-414.21M	-132.93M	-344.31M	-424.45M
Financing Cash Flow	-24.93M	-153.71M	-70.20M	51.91M	30.83M	-9.70M	-37.11M	132.73M	107.71M	60.33M	-30.63M	345.34M	-	32.67M	261.99M	-7.94M	261.01M
Capital Expenditure	-2.15M	-1.98M	-1.29M	-4.53M	-6.60M	-7.11M	-9.43M	-5.44M	-4.87M	-4.53M	-2.81M	-4.30M	-	-6.75M	-13.46M	-6.82M	-6.03M
Free Cash Flow	21.10M	43.14M	42.09M	36.72M	33.86M	24.39M	38.45M	55.22M	56.16M	70.71M	64.35M	81.18M	-	113.09M	130.19M	136.37M	128.70M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-261.70M	272.70M	-209.06M	-28.71M
Share Buybacks	-	181.00K	187.00K	156.00K	228.00K	0	0	4.96M	0	0	805.00K	29.28M	0	7.41M	3.03M	3.00M	838.00K

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	109.3%	116.1%	79.1%	92.8%	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	92.0%	95.4%	64.5%	77.5%	31.3%	26.8%	26.4%	23.5%
ROE %	1.7%	2.7%	6.1%	9.2%	7.9%	4.9%	2.6%	7.2%	8.4%	8.9%	9.0%	6.0%	-	12.9%	10.8%	10.5%	8.8%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

3.15%

Institutions

66.66%

Public Float

68.82%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	8.56%	3.08M	$106.97M
2	Dimensional Fund Advisors LP	6.32%	2.27M	$78.96M
3	State Street Corporation	5.27%	1.89M	$65.82M
4	Vanguard Capital Management LLC	4.15%	1.49M	$51.81M
5	American Century Companies Inc	2.87%	1.03M	$35.88M
6	Geode Capital Management, LLC	2.52%	903.74K	$31.43M
7	Invesco Ltd.	2.39%	858.31K	$29.85M
8	Brown Advisory Inc.	2.29%	823.21K	$28.63M
9	Private Management Group, Inc.	1.66%	595.65K	$20.72M
10	Franklin Resources, Inc.	1.57%	564.27K	$19.63M

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