A Business at a Glance
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PEOPLES BANCORP INC
PEBO
$1.4B
Mkt Cap
$40.31
+1.28%
PEOPLES BANCORP INC (PEBO) has a current P/E ratio of 13.5, compared to its historical median P/E of 9.8. The stock is currently considered Expensive based on its historical valuation range.
PEOPLES BANCORP INC (PEBO) has a 5-year average return on invested capital (ROIC) of 8.8%. This is below average and may indicate limited pricing power.
PEOPLES BANCORP INC (PEBO) has a market capitalization of $1.5B. It is classified as a small-cap stock.
Yes, PEOPLES BANCORP INC (PEBO) pays a dividend with a trailing twelve-month yield of 3.92%. The company also returns capital through share buybacks, with a buyback yield of 0.06%.
Based on historical P/E analysis, PEOPLES BANCORP INC (PEBO) appears expensive. The current P/E of 13.5 is 38% above its historical median of 9.8. The estimated fair value CAGR (P/E method) is 7.9%.
PEOPLES BANCORP INC (PEBO) operates in the State Commercial Banks industry, within the Financials sector.
PEOPLES BANCORP INC (PEBO) reported annual revenue of $618 million in its most recent fiscal year, based on SEC EDGAR filings.
The disclosures set forth in this Item are qualified by “ITEM 1A RISK FACTORS” and the section captioned “Forward-Looking Statements” in “ITEM 7 MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS” of this Form 10-K and other cautionary statements set forth elsewhere in this Form 10-K. Corporate Overview Peoples Bancorp Inc. is a financial holding company, which was organized in 1980. Peoples operates principally through its wholly-owned subsidiary, Peoples Bank, an Ohio state-chartered bank that was first chartered in 1902. Peoples’ other wholly-owned operating subsidiary is Peoples Investment Company (“PIC”). Peoples also holds all of the common securities of NB&T Statutory Trust III, FNB Capital Trust One, Ascencia Statutory Trust I, and Porter Statutory Trusts II-IV. Peoples Bank’s operating subsidiaries include Peoples Insurance Agency, LLC (“Peoples Insurance”) and Vantage Financial, LLC (“Vantage”), a nationwide provider of equipment financing.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 466M | 618M | 620M | 527M | 348M | 254M |
| Net Income | 111M | 107M | 117M | 113M | 101M | 48M |
| EPS | $3.03 | $2.99 | $3.31 | $3.44 | $3.60 | $2.15 |
| Free Cash Flow | 130M | 129M | 136M | 130M | 113M | 150M |
| ROIC | 6.5% | 7.7% | 8.9% | 10.5% | 11.1% | 5.8% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.57 | 0.61 | 0.39 | 0.82 | 0.77 | 0.31 |
| Dividends/Share | $1.58 | $1.63 | $1.59 | $1.55 | $1.50 | $1.43 |
| Operating Income | 141M | 135M | 149M | 145M | 129M | 57M |
| Operating Margin | 30.2% | 21.8% | 24.1% | 27.5% | 36.9% | 22.5% |
| ROE | 9.2% | 9.2% | 10.8% | 12.3% | 12.4% | 6.7% |
| Shares Outstanding | 37M | 36M | 35M | 33M | 28M | 22M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 81M | 110M | 117M | 128M | 154M | 173M | 221M | 254M | 348M | 527M | 620M | 618M | 466M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 47M | 59M | 57M | 60M | 69M | 78M | 76M | 95M | 113M | 144M | 150M | 157M | 157M |
| EBIT | 24M | 15M | 45M | 57M | 55M | 65M | 43M | 57M | 129M | 145M | 149M | 135M | 141M |
| Op. Margin | 29.7% | 13.5% | 38.6% | 44.6% | 35.7% | 37.9% | 19.3% | 22.5% | 36.9% | 27.5% | 24.1% | 21.8% | 30.2% |
| Net Income | 17M | 11M | 31M | 38M | 46M | 54M | 35M | 48M | 101M | 113M | 117M | 107M | 111M |
| Net Margin | 20.5% | 9.9% | 26.6% | 30.0% | 30.1% | 31.1% | 15.7% | 18.7% | 29.1% | 21.5% | 18.9% | 17.3% | 23.9% |
| Non-Recurring | 398K | 729K | 1.6M | 3.0M | -146K | 164K | -368K | -862K | -61K | -3.7M | -416K | -2.7M | -2.7M |
| Returns on Capital | |||||||||||||
| ROIC | 3.9% | 2.1% | 5.6% | 6.5% | 7.5% | 8.2% | 5.1% | 5.8% | 11.1% | 10.5% | 8.9% | 7.7% | 6.5% |
| ROE | 5.9% | 2.9% | 7.3% | 8.6% | 9.5% | 9.6% | 5.9% | 6.7% | 12.4% | 12.3% | 10.8% | 9.2% | 9.2% |
| ROA | 0.7% | 0.4% | 0.9% | 1.1% | 1.2% | 1.3% | 0.8% | 0.8% | 1.4% | 1.4% | 1.3% | 1.1% | 1.2% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 31M | 48M | 61M | 61M | 75M | 67M | 85M | 156M | 120M | 144M | 143M | 135M | 135M |
| Free Cash Flow | 24M | 38M | 55M | 56M | 71M | 64M | 81M | 150M | 113M | 130M | 136M | 129M | 130M |
| Owner Earnings | 27M | 39M | 51M | 52M | 67M | 58M | 76M | 142M | 101M | 119M | 116M | 110M | 30M |
| CapEx | 7.1M | 9.4M | 5.4M | 4.9M | 4.5M | 2.8M | 4.3M | 6.7M | 6.8M | 13M | 6.8M | 6.0M | 4.5M |
| Maint. CapEx | 4.4M | 8.7M | 9.1M | 8.4M | 8.2M | 9.1M | 9.2M | 11M | 15M | 19M | 20M | 17M | 99M |
| Growth CapEx | 2.7M | 752K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 4.4M | 8.7M | 9.1M | 8.4M | 8.2M | 9.1M | 9.2M | 11M | 15M | 19M | 20M | 17M | 99M |
| CapEx/OCF | 22.6% | 19.7% | 9.0% | 8.0% | 6.0% | 4.2% | 5.0% | 4.3% | 5.6% | 9.4% | 4.8% | 4.5% | 3.3% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 6.8M | 10M | 11M | 15M | 21M | 26M | 27M | 31M | 42M | 52M | 56M | 58M | 58M |
| Dividend Yield | 3.7% | 4.0% | 4.2% | 3.8% | 4.5% | 5.6% | 7.5% | 5.7% | 6.2% | 6.6% | 5.7% | 5.6% | 3.9% |
| Share Buybacks | 0 | 0 | 5.0M | 0 | 0 | 805K | 29M | 0 | 7.4M | 3.0M | 3.0M | 838K | 838K |
| Buyback Yield | N/A | N/A | 1.3% | N/A | N/A | 0.2% | 7.0% | N/A | 1.1% | 0.3% | 0.3% | 0.1% | 0.1% |
| Stock-Based Comp | 207K | 134K | 245K | 295K | 298K | 313K | 377K | 3.9M | 4.3M | 6.0M | 7.3M | 6.9M | 6.4M |
| Debt Repayment | 10M | 72M | 24M | 5.7M | 4.6M | 3.5M | 2.7M | 2.1M | 125M | 40M | 35M | 49M | 49M |
| Balance Sheet | |||||||||||||
| Net Debt | -508M | -666M | -475M | -593M | -484M | -726M | -721M | -1.4B | 447M | 440M | 214M | 545M | 501M |
| Cash & Equiv. | 61M | 71M | 66M | 72M | 78M | 115M | 152M | 416M | 154M | 427M | 218M | 189M | 190M |
| Long-Term Debt | 179M | 114M | 145M | 144M | 110M | 83M | 111M | 99M | 101M | 216M | 238M | 204M | 185M |
| Debt/Equity | 0.79 | 0.65 | 1.04 | 0.77 | 0.90 | 0.67 | 0.32 | 0.31 | 0.77 | 0.82 | 0.39 | 0.61 | 0.57 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.1 |
| Equity | 340M | 420M | 435M | 459M | 520M | 594M | 576M | 845M | 785M | 1.1B | 1.1B | 1.2B | 1.2B |
| Total Assets | 2.6B | 3.3B | 3.4B | 3.6B | 4.0B | 4.4B | 4.8B | 7.1B | 7.2B | 9.2B | 9.3B | 9.6B | 9.6B |
| Total Liabilities | 2.2B | 2.8B | 3.0B | 3.1B | 3.5B | 3.8B | 4.2B | 6.2B | 6.4B | 8.1B | 8.1B | 8.4B | 8.4B |
| Intangibles | 11M | 17M | 13M | 11M | 11M | 12M | 13M | 27M | 34M | 50M | 39M | 30M | 28M |
| Retained Earnings | 90M | 91M | 110M | 134M | 160M | 187M | 191M | 207M | 266M | 327M | 388M | 437M | 451M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.35 | 0.61 | 1.71 | 2.10 | 2.41 | 2.63 | 1.73 | 2.15 | 3.60 | 3.44 | 3.31 | 2.99 | 3.03 |
| Owner EPS | 2.17 | 2.18 | 2.81 | 2.86 | 3.48 | 2.83 | 3.78 | 6.40 | 3.58 | 3.60 | 3.28 | 3.09 | 0.81 |
| Book Value | 27.52 | 23.40 | 23.89 | 25.03 | 27.10 | 29.11 | 28.65 | 38.20 | 27.91 | 31.97 | 31.39 | 33.79 | 33.00 |
| Cash Flow/Share | 2.55 | 2.67 | 3.33 | 3.33 | 3.92 | 3.29 | 4.25 | 7.07 | 4.26 | 4.36 | 4.04 | 3.77 | 5.70 |
| Dividends/Share | 0.55 | 0.56 | 0.61 | 0.84 | 1.12 | 1.32 | 1.37 | 1.43 | 1.50 | 1.55 | 1.59 | 1.63 | 1.58 |
| Shares Out. | 12.4M | 17.9M | 18.2M | 18.3M | 19.2M | 20.4M | 20.1M | 22.1M | 28.1M | 33.0M | 35.4M | 35.7M | 36.8M |
| Valuation | |||||||||||||
| P/E Ratio | 11.8 | 20.2 | 12.3 | 10.5 | 8.5 | 9.5 | 12.0 | 11.7 | 6.5 | 8.8 | 9.0 | 10.1 | 13.3 |
| P/FCF | 8.1 | 5.7 | 6.9 | 7.2 | 5.6 | 7.9 | 5.1 | 3.7 | 5.9 | 7.7 | 7.7 | 8.4 | 11.4 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5.9 | 7.9 | 9.2 | 7.8 | 11.2 | 14.1 |
| Price/Book | 0.6 | 0.5 | 0.9 | 0.9 | 0.8 | 0.9 | 0.7 | 0.7 | 0.8 | 1.0 | 0.9 | 0.9 | 1.2 |
| Price/Sales | 2.6 | 2.5 | 2.5 | 3.4 | 3.5 | 3.2 | 2.5 | 2.3 | 2.1 | 1.8 | 2.2 | 2.3 | 3.2 |
| FCF Yield | 12.4% | 17.4% | 14.4% | 13.9% | 17.9% | 12.6% | 19.5% | 26.8% | 17.1% | 13.0% | 12.9% | 12.0% | 8.8% |
| Market Cap | 197M | 221M | 382M | 403M | 394M | 509M | 417M | 558M | 662M | 1.0B | 1.1B | 1.1B | 1.5B |
| Avg. Price | 14.87 | 13.99 | 14.44 | 21.35 | 24.14 | 22.64 | 17.87 | 24.67 | 24.46 | 23.84 | 27.89 | 28.99 | 40.31 |
| Year-End Price | 15.94 | 12.32 | 20.98 | 22.00 | 20.54 | 24.94 | 20.74 | 25.23 | 23.54 | 30.44 | 29.81 | 30.15 | 40.31 |
PEOPLES BANCORP INC passes 4 of 9 quality checks, suggesting mixed fundamentals.
PEOPLES BANCORP INC trades at 13.5x trailing earnings, compared to its 15-year median P/E of 9.8x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 11.2x vs a median of 7.0x. The company's 5-year average ROIC is 8.8%. Total shareholder yield (dividends) is 4.0%. At current prices, the estimated annualized return to fair value is +0.1%.
PEOPLES BANCORP INC (PEBO) has a net profit margin of 17.3%. This is a healthy margin.
PEOPLES BANCORP INC (PEBO) generated $129 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
PEOPLES BANCORP INC (PEBO) has a debt-to-equity ratio of 0.61. This indicates moderate leverage.
PEOPLES BANCORP INC (PEBO) reported earnings per share (EPS) of $2.99 in its most recent fiscal year.
PEOPLES BANCORP INC (PEBO) has a return on equity (ROE) of 9.2%. This indicates moderate shareholder returns.
The Ledger Terminal provides 17 years of financial data for PEOPLES BANCORP INC (PEBO), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
PEOPLES BANCORP INC (PEBO) has a book value per share of $33.79, based on its most recent annual SEC filing.