Pricing Log in Create free account
Friday 6 November 2026 Export PEBO’s income statement to Excel — free account

Peoples Bancorp Inc.

PEBO Financial Banks Regional

Peoples Bancorp Inc.’s revenue for fiscal 2025 (year ended December 2025) was $618.4 million, roughly unchanged from fiscal 2024.

Revenue
−1.59%
EPS
+11.6%
Free cash flow
+270.3%
Total debt
−31.8%

Quarter to September 2026, against a year earlier

38.85 0.99 −2.48%
Market cap
$1.4B
P/E
11.3×
Fwd P/E
11.8×
Dividend yield
4.30%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.11
Sold, $m 0.54
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — 2 — — 1 — — 1 — — 1 —
Sell 1 1 1 3 — — — 1 1 — 2 —
Insider Ownership 1.30%

Capital & Financial Ratios $m

Size
Market Cap 1,390.00
Revenue ttm 613.99
Net income ttm 106.78
Free cash flow ttm 170.81
Net debt Q (145.72)
Valuation
P/E 11.31
Forward P/E 11.80
Price / sales 2.23
Forward P/S Powerpack
Price / FCF 8.01
Price / book 1.11
Financial health
Current ratio Q 0.85
Debt / equity Q 0.13
Interest coverage Q —
Growth
Revenue growth Q −1.59% (below 0%: shrinking)
Operating income growth Q +8.88% (above 0%: growing)
EPS, this year +17.93% (at or above 15%: strong)
EPS, next year A +11.37%
Revenue, next year A −20.41% (below 0%: weak)
EPS, past 5 yrs +11.56%
EPS, next 5 yrs A +14.07%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 39.46%
10-year low 10-year high
P/S against its own 10 years 40.12%
10-year low 10-year high
P/B against its own 10 years 67.69%
10-year low 10-year high

Dividends raised every year since 2018

Yield
4.30%
Annual rate
1.67
Payout ratio
49.2%
Growth, 2018–26
+5.12%/yr
  1. 1.12 ’18
  2. 1.32 ’19 +18
  3. 1.37 ’20 +4
  4. 1.43 ’21 +4
  5. 1.50 ’22 +5
  6. 1.55 ’23 +3
  7. 1.59 ’24 +3
  8. 1.63 ’25 +3
  9. 1.67 ’26 +2
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 427 218 189 301
Receivables — — — —
Inventory — — — —
Other — — — —
6,526 6,515 6,873 7,069
2023 2024 2025 Q'26
Payables 7,103 7,590 7,610 7,442
ST’ Debt — — — —
Other — — — —
7,888 7,905 8,239 8,269

Compound Annual Growth %

10y 5y 3y
Sales 14.86% 22.87% 21.08%
Cash Flow 10.90% 9.53% 3.98%
Earnings 25.59% 25.16% 1.77%
Book Value 11.14% 15.95% 15.39%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.92 Actual 1.04

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.88 0.93 Beat by 0.05
Q1 FY26 0.80 0.82 Beat by 0.02
Q2 FY26 0.84 0.96 Beat by 0.12
Q3 FY26 0.92 1.04 Beat by 0.12
Q4 FY26 0.94 — Reports 19 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.81 0.78 0.91 — —
’25 0.68 0.59 0.83 0.89 2.99
’24 0.84 0.82 0.89 0.76 3.31
’23 0.96 0.64 0.90 0.96 3.44
’22 0.84 0.88 0.92 0.95 3.60
’21 0.79 0.51 (0.28) 0.99 2.16
’20 (0.04) 0.23 0.51 1.05 1.73
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 155 148 154 — —
’25 152 153 157 157 618
’24 153 154 158 154 620
’23 103 127 147 149 527
’22 77 84 91 95 348
’21 56 59 62 77 254
’20 57 54 56 54 221
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 35 56 49 — —
’25 34 51 14 35 135
’24 37 32 34 40 143
’23 48 15 50 31 144
’22 16 47 40 17 120
’21 18 20 28 90 156
’20 18 12 26 29 85
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 33 55 47 — —
’25 32 49 13 35 129
’24 33 30 33 40 136
’23 45 11 46 28 130
’22 14 46 36 18 113
’21 18 18 25 89 150
’20 17 10 25 29 81
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 166 182 208 234 221 254 348 527 620 618 614 +15.7% 492 767 876 +12.3%
Gross margin, % 93.64 92.78 89.59 87.52 91.76 95.18 95.38 81.01 72.25 74.28 76.32 (19.4) pt
EBT 45 57 55 65 43 57 129 145 149 135 152 +12.9%
EBT margin, % 27.23 31.41 26.41 27.89 19.32 22.46 36.92 27.55 24.10 21.80 24.81 (5.4) pt
Net income 31 38 46 54 35 48 101 113 117 107 107 +14.7%
Per share, $
Per share, $ Revenue 9.23 10.09 10.95 11.65 11.19 11.63 12.48 16.19 17.83 17.68 17.44 +7.5%
Earnings 1.72 2.12 2.42 2.65 1.74 2.17 3.61 3.46 3.34 3.03 3.44 +6.5%
Cash flow 3.37 3.38 3.96 3.34 4.33 7.17 4.29 4.42 4.12 3.85 4.96 +1.5%
Capex (0.30) (0.27) (0.24) (0.14) (0.22) (0.31) (0.24) (0.41) (0.20) (0.17) (0.11) (6.0%)
Free cash flow 3.07 3.11 3.72 3.20 4.12 6.86 4.05 4.00 3.92 3.68 4.85 +2.1%
Book value 24.16 25.41 27.39 29.54 29.19 38.73 28.14 32.38 31.96 34.50 34.89 +4.0%
Shares, m 18 18 19 20 20 22 28 33 35 35 35 +7.7%
Valuation, ×
Valuation, × P/E 18.66 15.47 12.49 13.08 15.22 15.59 7.79 9.57 9.46 9.94 11.31 12.7
P/S 3.48 3.27 2.75 2.98 2.42 2.74 2.26 2.06 1.78 1.70 2.23 2.5
P/B 1.33 1.30 1.10 1.17 0.93 0.82 1.00 1.03 0.99 0.87 1.11 1.1
EV/Sales 3.95 3.66 2.90 2.84 2.23 1.49 2.11 1.66 1.81 1.72 — 2.4
EV/FCF 11.90 11.87 8.54 10.34 6.07 2.52 6.49 6.73 8.23 8.28 — 8.1
Cash, $m
Cash, $m Operating cash flow 61 61 75 67 85 156 120 144 143 135 175 +9.3%
Capex (5) (5) (5) (3) (4) (7) (7) (13) (7) (6) (4) +1.2%
Free cash flow 55 56 71 64 81 150 113 130 136 129 171 +9.9%
Balance, $m
Balance, $m Working capital (575) (566) (570) (703) (565) (1,282) (1,511) (1,362) (1,390) (1,366) (1,200) +10.1%
Net debt 79 72 32 (32) (42) (316) (53) (210) 20 15 (146) (16.7%)
Shareholders’ equity 435 459 520 594 576 845 785 1,054 1,112 1,207 1,228 +12.0%
Returns, %
Returns, % ROA 0.93 1.10 1.22 1.29 0.76 0.80 1.42 1.39 1.27 1.13 1.26 +0.2 pt
ROIC 5.50 6.74 6.22 7.26 4.99 6.73 10.98 10.76 8.25 6.90 8.80 +1.4 pt
ROE 7.29 8.61 9.45 9.64 5.94 6.69 12.43 12.33 10.83 9.21 10.07 +1.9 pt
People
People Employees 782 774 871 900 894 1,188 1,267 1,478 1,479 1,454 — +7.1%
Revenue/emp, $m 0.21 0.24 0.24 0.26 0.25 0.21 0.27 0.36 0.42 0.43 — +8.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Peoples Bancorp Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
ESQ Esquire Financial Holdings, Inc. $1.5B 19.7× 20.5× +18.87% (above 0%: growing) +6.08% (above 0%: growing) +59.96% (above 0%: growing) 88.35% 0.00% Compare
LKFN Lakeland Financial Corporation $1.5B 13.7× 13.5× +1.66% (above 0%: growing) +11.65% (above 0%: growing) +29.20% (above 0%: growing) 66.58% 0.00% Compare
AMAL Amalgamated Financial Corp. $1.5B 12.0× 11.7× +12.48% (above 0%: growing) +37.01% (above 0%: growing) −13.76% (below 0%: shrinking) 76.18% 0.00% Compare
TMP Tompkins Financial Corporation $1.4B 7.9× 12.6× +0.61% (above 0%: growing) +21.08% (above 0%: growing) +4.04% (above 0%: growing) 73.43% 0.00% Compare
BHRB Burke & Herbert Financial Services Corp. $1.4B 11.2× 11.4× +20.93% (above 0%: growing) −74.75% (below 0%: shrinking) +49.60% (above 0%: growing) 70.87% 0.00% Compare
PEBO Peoples Bancorp Inc. $1.4B 11.3× 11.8× −1.59% (below 0%: shrinking) +11.61% (above 0%: growing) +270.28% (above 0%: growing) 77.52% 0.00%
WABC Westamerica Bancorporation $1.4B 12.9× 12.8× +0.43% (above 0%: growing) +8.93% (above 0%: growing) −33.14% (below 0%: shrinking) 94.65% 0.00% Compare
FMBH First Mid Bancshares, Inc. $1.4B 12.6× 11.2× +22.84% (above 0%: growing) +7.14% (above 0%: growing) +290.93% (above 0%: growing) 75.49% 0.00% Compare
HBT HBT Financial, Inc. $1.4B 15.9× 13.1× +37.46% (above 0%: growing) +26.23% (above 0%: growing) +36.90% (above 0%: growing) 80.56% 0.00% Compare
Median of peers $1.4B 12.7× 12.7× +15.68% +10.29% +33.05% 75.84% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 6 March 2026

Ownership

Directors and executive officers, together 3.31%
BlackRock, Inc. 7.90%
Dimensional Fund Advisors LP Building One 6.72%
The Vanguard Group 5.25%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Peoples Bancorp Inc. (PEBO) Latest News

29 Oct

Impact 3 · · StockStory

24 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

22 Oct

Impact 3 · · Zacks

21 Oct

Impact 4 · · StockStory

20 Oct

Impact 4 · · The Motley Fool
Impact 4 · · MarketBeat
Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby
Impact 3 · · Simply Wall St.
Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · StockStory
Impact 3 · · Associated Press

19 Oct

Impact 3 · · ACCESS Newswire
Impact 3 · · StockStory

14 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks

13 Oct

Impact 3 · · Zacks

9 Oct

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.

3 Oct

Impact 4 · · MarketBeat

2 Oct

Impact 3 · · Zacks

1 Oct

Impact 4 · · Zacks

30 Sep

Impact 4 · · The Motley Fool
Impact 4 · · StockStory
Impact 4 · · americanbanker.com
Impact 4 · · bankingdive.com
stockrow.com/PEBO · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com