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. In the quarter to June 2026, revenue fell 3.48%, EPS grew 31.7%, free cash flow grew 12.1% and total debt fell 32.8%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

36.72 0.10 +0.27%
Market cap
$1.3B
P/E
11.0×
Fwd P/E
11.0×
Dividend yield
4.52%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions trades per month

Total buys 0.17
Total sells 0.36
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 4 — 2 — — 1 — — 1 — — —
Sell — 1 1 1 3 — — — 1 1 — —
Insider Ownership 1.26%

Capital & Financial Ratios $m

Market Cap 1,320.00
Revenue 616.49
Net Income 106.78
Free Cash Flow 136.42
Net Debt (23.47)
Current Ratio 0.85
Debt/Equity 0.13
P/E ratio 10.99
Fwd P/E 11.00
P/S ratio 2.10
P/B ratio 1.04
Past 5Y EPS Growth 11.56%
This Y EPS Growth 14.57%
Next Y EPS Growth 13.70%
Next Y revenue growth (20.24%) (below 0%: weak)
Next 5Y EPS Growth 13.75%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 37.12%
10-year low 10-year high
P/S against its own 10 years 35.16%
10-year low 10-year high
P/B against its own 10 years 55.51%
10-year low 10-year high

Dividends

Payout Ratio 0.50
Annual Dividend Rate 1.66
Annual Dividend Yield 4.52%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.67
0.41
0.42
0.42
2025 1.63
0.40
0.41
0.41
0.41
2024 1.59
0.39
0.40
0.40
0.40
2023 1.55
0.38
0.39
0.39
0.39
2022 1.50
0.36
0.38
0.38
0.38
2021 1.43
0.35
0.36
0.36
0.36
2020 1.37
0.34
0.34
0.34
0.35
2019 1.32
0.30
0.34
0.34
0.34
2018 1.12
0.26
0.28
0.28
0.30
2017 0.84
0.20
0.20
0.22
0.22
2016 0.64
0.15
0.16
0.16
0.17
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 427 218 189 180
Receivables — — — —
Inventory — — — —
Other — — — —
6,526 6,515 6,873 6,926
2023 2024 2025 Q'26
Payables 7,103 7,590 7,610 7,456
ST’ Debt — — — —
Other — — — —
7,888 7,905 8,239 8,147

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%

Revenue $m

Mar Jun Sep Dec Year
’26 155 148 — — —
’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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.81 0.78 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

2.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 16.34 29.55 28.35 29.76 17.91 26.85 25.63 23.05 26.74 26.21

Analyst estimates 2026–2028

Powerpack
High 32.98 35.43 39.58 34.94 39.28 36.75 34.63 34.85 37.07 33.83
People
People Employees 782 774 871 900 894 1,188 1,267 1,478 1,479 1,454
Revenue/emp, $m 0.21 0.24 0.24 0.26 0.25 0.21 0.27 0.36 0.42 0.43
Income, $m
Income, $m Revenue 166 182 208 234 221 254 348 527 620 618
Gross margin, % 93.64 92.78 89.59 87.52 91.76 95.18 95.38 81.01 72.25 74.28
EBT 45 57 55 65 43 57 129 145 149 135
EBT margin, % 27.23 31.41 26.41 27.89 19.32 22.46 36.92 27.55 24.10 21.80
Net income 31 38 46 54 35 48 101 113 117 107
Depreciation 19 18 18 18 26 25 17 4 4 14
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
Earnings 1.72 2.12 2.42 2.65 1.74 2.17 3.61 3.46 3.34 3.03
Cash flow 3.37 3.38 3.96 3.34 4.33 7.17 4.29 4.42 4.12 3.85
Capex (0.30) (0.27) (0.24) (0.14) (0.22) (0.31) (0.24) (0.41) (0.20) (0.17)
Free cash flow 3.07 3.11 3.72 3.20 4.12 6.86 4.05 4.00 3.92 3.68
Book value 24.16 25.41 27.39 29.54 29.19 38.73 28.14 32.38 31.96 34.50
Shares, m 18 18 19 20 20 22 28 33 35 35
Valuation, ×
Valuation, × P/E 18.66 15.47 12.49 13.08 15.22 15.59 7.79 9.57 9.46 9.94
P/S 3.48 3.27 2.75 2.98 2.42 2.74 2.26 2.06 1.78 1.70
P/B 1.33 1.30 1.10 1.17 0.93 0.82 1.00 1.03 0.99 0.87
EV/Sales 3.95 3.66 2.90 2.84 2.23 1.49 2.11 1.66 1.81 1.72
EV/FCF 11.90 11.87 8.54 10.34 6.07 2.52 6.49 6.73 8.23 8.28
Cash, $m
Cash, $m Operating cash flow 61 61 75 67 85 156 120 144 143 135
Capex (5) (5) (5) (3) (4) (7) (7) (13) (7) (6)
Free cash flow 55 56 71 64 81 150 113 130 136 129
Balance, $m
Balance, $m Working capital (575) (566) (570) (703) (565) (1,282) (1,511) (1,362) (1,390) (1,366)
Total debt 145 144 110 83 111 99 101 216 238 204
Net debt 79 72 32 (32) (42) (316) (53) (210) 20 15
Shareholders’ equity 435 459 520 594 576 845 785 1,054 1,112 1,207
Returns, %
Returns, % ROA 0.93 1.10 1.22 1.29 0.76 0.80 1.42 1.39 1.27 1.13
ROIC 5.50 6.74 6.22 7.26 4.99 6.73 10.98 10.76 8.25 6.90
ROE 7.29 8.61 9.45 9.64 5.94 6.69 12.43 12.33 10.83 9.21
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
AMAL Amalgamated Financial Corp. $1.4B 12.4× 10.7× +15.47% (above 0%: growing) +36.47% (above 0%: growing) −23.52% (below 0%: shrinking) 75.97% 0.00% Compare
BHRB Burke & Herbert Financial Services Corp. $1.4B 11.1× 8.4× +20.93% (above 0%: growing) −74.75% (below 0%: shrinking) +49.60% (above 0%: growing) 70.87% 0.00% Compare
WABC Westamerica Bancorporation $1.4B 13.5× 12.7× −2.49% (below 0%: shrinking) +4.46% (above 0%: growing) −33.14% (below 0%: shrinking) 94.98% 0.00% Compare
TMP Tompkins Financial Corporation $1.4B 7.9× 11.6× +2.51% (above 0%: growing) +36.42% (above 0%: growing) −198.57% (below 0%: shrinking) 73.16% 0.00% Compare
CTBI Community Trust Bancorp, Inc. $1.4B 12.5× 11.1× +6.97% (above 0%: growing) +18.84% (above 0%: growing) +217.37% (above 0%: growing) 72.12% 0.00% Compare
PEBO Peoples Bancorp Inc. $1.3B 11.0× 11.0× −3.48% (below 0%: shrinking) +31.67% (above 0%: growing) +12.07% (above 0%: growing) 76.44% 0.00%
FMBH First Mid Bancshares, Inc. $1.3B 12.3× 10.3× +22.84% (above 0%: growing) +7.14% (above 0%: growing) +290.93% (above 0%: growing) 75.49% 0.00% Compare
HBT HBT Financial, Inc. $1.3B 15.2× 11.1× +37.46% (above 0%: growing) +26.23% (above 0%: growing) +36.90% (above 0%: growing) 80.56% 0.00% Compare
OSBC Old Second Bancorp, Inc. $1.3B 14.0× 9.9× +32.87% (above 0%: growing) +12.24% (above 0%: growing) −31.22% (below 0%: shrinking) 84.39% 0.00% Compare
Median of peers $1.4B 12.5× 10.9× +18.20% +15.54% +6.69% 75.73% 0.00%

All 323 Banks Regional stocks →

Peoples Bancorp Inc. (PEBO) key facts

  • Peoples Bancorp Inc. (PEBO) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Peoples Bancorp Inc.’s revenue for fiscal 2025 (year ended December 2025) was $618.4 million, roughly unchanged from fiscal 2024.
  • As of October 16, 2026, PEBO traded at $36.72, a market capitalization of $1.3 billion.
  • Peoples Bancorp Inc. pays an annual dividend of $1.66 per share, a yield of 4.52%, with a payout ratio of 50.2%.
  • Return on equity was 9.21% and debt-to-equity 0.13.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Peoples Bancorp Inc. (PEBO) Latest News

21 Aug

stockrow.com/PEBO · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com