A Business at a Glance
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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 | 459M | 459M | 448M | 427M | 332M | 241M |
| Net Income | 107M | 107M | 117M | 113M | 101M | 48M |
| EPS | $2.99 | $2.99 | $3.31 | $3.44 | $3.60 | $2.15 |
| Free Cash Flow | 129M | 129M | 136M | 130M | 113M | 150M |
| ROIC | 6.1% | 6.5% | 9.6% | 8.2% | 8.9% | 7.7% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.61 | 0.61 | 0.39 | 0.82 | 0.77 | 0.31 |
| Dividends/Share | $1.63 | $1.63 | $1.59 | $1.57 | $1.51 | $1.40 |
| Operating Income | 135M | 135M | 149M | 145M | 129M | 57M |
| Operating Margin | 29.4% | 29.4% | 33.4% | 34.0% | 38.7% | 23.6% |
| ROE | 8.8% | 9.2% | 10.5% | 10.8% | 12.9% | 5.6% |
| Shares Outstanding | 36M | 36M | 35M | 33M | 28M | 22M |
PEOPLES BANCORP INC passes 4 of 9 quality checks, suggesting mixed fundamentals.
PEOPLES BANCORP INC trades at 11.4x trailing earnings, compared to its 15-year median P/E of 9.8x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 9.5x vs a median of 7.0x. The company's 5-year average ROIC is 8.2%. Total shareholder yield (dividends) is 4.8%. At current prices, the estimated annualized return to fair value is +0.7%.
PEOPLES BANCORP INC (PEBO) has a current P/E ratio of 11.4, compared to its historical median P/E of 9.8. The stock is currently considered Fair based on its historical valuation range.
PEOPLES BANCORP INC (PEBO) has a 5-year average return on invested capital (ROIC) of 8.2%. This is below average and may indicate limited pricing power.
PEOPLES BANCORP INC (PEBO) has a market capitalization of $1.2B. It is classified as a small-cap stock.
Yes, PEOPLES BANCORP INC (PEBO) pays a dividend with a trailing twelve-month yield of 4.77%. The company also returns capital through share buybacks, with a buyback yield of 0.07%.
Based on historical P/E analysis, PEOPLES BANCORP INC (PEBO) appears fair. The current P/E of 11.4 is 17% above its historical median of 9.8. The estimated fair value CAGR (P/E method) is 7.6%.
PEOPLES BANCORP INC (PEBO) operates in the State Commercial Banks industry, within the Financials sector.
PEOPLES BANCORP INC (PEBO) reported annual revenue of $459 million in its most recent fiscal year, based on SEC EDGAR filings.
PEOPLES BANCORP INC (PEBO) has a net profit margin of 23.2%. This is a strong margin indicating high profitability.
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.