Peoples Bancorp Inc (PEBO)
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.
- Symbol
- PEBO
- Exchange
- Nasdaq
- Sector
- Financial Services
- Industry
- Banks - Regional
- Market cap
- $1.37B
- 52 week range
- 27.49 - 42.29
Valuation
- Share price
- $38.43 (close of 2026-09-23)
- P/E (TTM)
- 11.59x
- Price to book
- 1.10x
- Price to free cash flow
- 10.01x
- Enterprise value
- $1.91B
- Book value per share
- $35.16
Price performance
| Period | Change |
|---|
| 1 day | -1.56% |
| 5 days | -4.33% |
| 1 month | -4.07% |
| 3 months | +3.03% |
| 6 months | +20.09% |
| Year to date | +27.97% |
| 1 year | +26.87% |
| 3 years | +52.20% |
| 5 years | +23.17% |
| 10 years | +54.83% |
| All time | +520.84% |
Profitability and growth
- Return on equity
- 8.85%
- Return on invested capital
- 6.17%
- Return on assets
- 1.11%
- Net margin
- 123.13%
- EBITDA margin
- 172.14%
- Revenue growth
- 2.30%
- Net income growth
- -8.90%
- Free cash flow growth
- -5.62%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 9.99%
- Net debt to EBITDA
- 3.63x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $86.72M
- EBITDA
- $149.29M
- Net income
- $106.78M
- Earnings per share
- $3.03
- Interest expense
- $159.08M
- Shares outstanding
- 34.97M
Income statement by year
| Period end | Revenue | Gross profit | Net income | EPS |
|---|
| 2025-12-31 | $86.72M | - | $106.78M | $3.03 |
| 2024-12-31 | $84.78M | - | $117.20M | $3.34 |
| 2023-12-31 | $79.50M | - | $113.36M | $3.46 |
| 2022-12-31 | $69.96M | - | $101.29M | $3.61 |
| 2021-12-31 | $61.37M | - | $47.55M | $2.17 |
| 2020-12-31 | $53.93M | $44.75M | $34.77M | $1.74 |
| 2019-12-31 | $56.28M | - | $53.70M | $2.65 |
| 2018-12-31 | $50.25M | - | $46.26M | $2.42 |
| 2017-12-31 | $126.53M | $58.92M | $38.47M | $2.12 |
| 2016-12-31 | $115.44M | $46.88M | $31.16M | $1.72 |
Margins and returns by year
| Period end | Gross margin | Net margin | Return on equity | Return on capital |
|---|
| 2025-12-31 | - | 123.13% | 8.85% | 6.17% |
| 2024-12-31 | - | 138.25% | 10.54% | 8.97% |
| 2023-12-31 | - | 142.59% | 10.76% | 8.99% |
| 2022-12-31 | - | 144.79% | 12.90% | 8.94% |
| 2021-12-31 | - | 77.49% | 5.63% | 6.76% |
| 2020-12-31 | 82.97% | 64.47% | 6.04% | 5.66% |
| 2019-12-31 | - | 95.40% | 9.03% | 6.05% |
| 2018-12-31 | - | 92.05% | 8.89% | 5.06% |
| 2017-12-31 | 46.57% | 30.41% | 8.39% | 5.20% |
| 2016-12-31 | 40.60% | 26.99% | 7.16% | 3.80% |
Cash and debt by year
| Period end | Cash | Debt |
|---|
| 2025-12-31 | $188.95M | $204.14M |
| 2024-12-31 | $217.66M | $238.07M |
| 2023-12-31 | $426.72M | $216.24M |
| 2022-12-31 | $154.02M | $101.09M |
| 2021-12-31 | $415.73M | $99.47M |
| 2020-12-31 | $152.10M | $110.57M |
| 2019-12-31 | $115.19M | $83.12M |
| 2018-12-31 | $77.61M | $109.64M |
| 2017-12-31 | $72.19M | $144.02M |
| 2016-12-31 | $66.15M | $145.16M |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|
| 2025-12-31 | $128.70M | $6.91M |
| 2024-12-31 | $136.37M | $7.32M |
| 2023-12-31 | $130.19M | $6.03M |
| 2022-12-31 | $113.09M | $4.33M |
| 2021-12-31 | $149.74M | $3.89M |
| 2020-12-31 | $81.18M | $-377.00K |
| 2019-12-31 | $64.35M | $313.00K |
| 2018-12-31 | $70.71M | $298.00K |
| 2017-12-31 | $56.16M | $295.00K |
| 2016-12-31 | $55.22M | $245.00K |
Dividend history
- Most recent payment
- 2026-08-03
- Paid in the last twelve months
- $1.66
| Payment date | Dividend per share |
|---|
| 2026-08-03 | $0.42 |
| 2026-05-04 | $0.42 |
| 2026-02-02 | $0.41 |
| 2025-11-04 | $0.41 |
| 2025-08-04 | $0.41 |
| 2025-05-05 | $0.41 |
| 2025-02-03 | $0.40 |
| 2024-11-04 | $0.40 |
Investor relations
Next earnings report
- Next confirmed report
- 2026-10-20
- Consensus EPS estimate
- $0.92
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-07-21 | Jun/2026 | $0.84 |
| 2026-04-21 | - | - |
| 2026-01-20 | - | - |
| 2025-10-21 | - | - |
| 2025-07-22 | - | - |
| 2025-04-22 | - | - |
| 2025-01-21 | - | - |
| 2024-10-22 | - | - |
Filings and sources
- Company website
- peoplesbancorp.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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