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PEBOPeoples Bancorp Inc.$36.60$1.3B
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PEBO logoPeoples Bancorp Inc.(PEBO)Earnings, Financials & Key Ratios

PEBO•NASDAQ•Banking & Credit
12.2× P/E·Price updated Jun 13, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutPeoples Bancorp Inc. operates as the holding company for Peoples Bank that provides commercial and retail banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; 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 telephone, mobile, and Internet-based banking services. In addition, the company provides various life, health, and property and casualty insurance products; third-party insurance administration; insurance premium financing; commercial and technology equipment leasing; fiduciary and trust; underwriting, origination and servicing of equipment leases, and equipment financing agreements; and asset management and administration services, as well as employee benefit, retirement, and health care plan administration services. Further, it offers brokerage services through an unaffiliated registered broker-dealers; insurance premium finance lending and lease financing services; and credit cards to individuals and businesses, as well as provides merchant credit card transaction processing, and person-to-person payment processing services. The company operates through 135 financial service offices and ATMs, including 119 full-service branches in Ohio, West Virginia, Kentucky, Virginia, Washington, D.C., and Maryland. Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio.Show more
  • Net Interest Income$355M+1.9%
  • Total Revenue$618M+0.4%
  • Net Income$107M-8.9%
  • Return on Equity9.21%-14.9%
  • Net Interest Margin3.68%-2.3%
  • Efficiency Ratio45.66%+4.3%
  • ROA1.13%-11.3%
  • Equity / Assets12.5%+4.1%
  • Book Value per Share34.13+7.9%
  • Tangible BV/Share23.00+14.0%
  • Debt/Equity0.61+56.8%

PEBO Key Insights

Peoples Bancorp Inc. (PEBO) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 25.2%
  • ✓Strong NIM of 3.7%
  • ✓Efficient operations: 45.7% efficiency ratio
  • ✓10 consecutive years of dividend growth
  • ✓Well capitalized: 12.5% equity/assets
  • ✓Healthy dividend yield of 4.5%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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PEBO Price & Volume

Peoples Bancorp Inc. (PEBO) stock price & volume — 10-year historical chart

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PEBO Growth Metrics

Peoples Bancorp Inc. (PEBO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years15.13%
5 Years23.73%
3 Years22.09%
TTM-

Profit CAGR

10 Years25.59%
5 Years25.16%
3 Years1.77%
TTM-8.9%

EPS CAGR

10 Years17.23%
5 Years11.56%
3 Years-6%
TTM-9.94%

Return on Capital

10 Years9.59%
5 Years10.4%
3 Years10.33%
Last Year9.05%

PEBO Recent Earnings

Peoples Bancorp Inc. (PEBO) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (55%)●Beat Revenue 6/12 qtrs (55%)
Q2 2026Latest
Apr 21, 2026
EPS
$0.82
Est $0.80
+2.5%
Revenue
$119M
Est $119M
+0.5%
Q1 2026
Feb 26, 2026
EPS
$0.90
Revenue
$157M
Q1 2026
Jan 20, 2026
EPS
$0.93
Est $0.88
+5.7%
Revenue
$120M
Est $118M
+1.3%
Q4 2025
Oct 21, 2025
EPS
$0.90
Est $0.83
+8.4%
Revenue
$137M
Est $118M
+16.1%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$0.82vs $0.80+2.5%
$119Mvs $119M+0.5%
Q1 2026Feb 26, 2026
$0.90
$157M
Q1 2026Jan 20, 2026
$0.93vs $0.88+5.7%
$120Mvs $118M+1.3%
Q4 2025Oct 21, 2025
$0.90vs $0.83+8.4%
$137Mvs $118M+16.1%
Based on last 12 quarters of dataView full earnings history →

PEBO Peer Comparison

Peoples Bancorp Inc. (PEBO) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FFBC logoFFBCFirst Financial Bancorp.Direct Competitor3.38B32.3012.142.75%20.3%9.77%0.43
HONE logoHONEHarborOne Bancorp, Inc.Direct Competitor522.22M12.1018.3310.7%8.56%4.56%0.90
OVBC logoOVBCOhio Valley Banc Corp.Direct Competitor236.16M50.1315.155.93%16.56%9.58%0.32
FMNB logoFMNBFarmers National Banc Corp.Direct Competitor571.17M14.5310.020.88%19.63%12.01%0.76
CIVB logoCIVBCivista Bancshares, Inc.Direct Competitor563.67M27.2110.315.4%18.29%10.02%0.52
MVBF logoMVBFMVB Financial Corp.Direct Competitor365.05M28.4213.8018.96%13.74%8.46%0.23
CHMG logoCHMGChemung Financial CorporationDirect Competitor348.82M72.5123.16-6.46%10.79%6.27%0.02
NBTB logoNBTBNBT Bancorp Inc.Product Competitor2.52B48.1814.4710.36%18.76%9.51%0.17

Compare PEBO vs Peers

Peoples Bancorp Inc. (PEBO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFBC

Most directly comparable listed peer for PEBO.

Scale Benchmark

vs FISV

Larger-name benchmark to compare PEBO against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFBC, HONE, OVBC, FMNB

PEBO Income Statement

Peoples Bancorp Inc. (PEBO) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
113.38M129.61M140.84M138.92M172.55M253.44M339.37M348.7M355.23M
NII Growth %
8.12%14.32%8.66%-1.36%24.21%46.88%33.91%2.75%1.87%
Net Interest Margin %
3.17%3.25%3.23%2.92%2.44%3.52%3.71%3.77%3.68%
Interest Income
126.53M151.26M170.09M157.1M184.63M269.55M439.4M520.78M514.31M
Interest Expense
13.15M21.65M29.26M18.18M12.24M16.11M100.03M172.07M159.08M
Loan Loss Provision
3.77M5.45M2.5M26.25M731K-3.51M15.17M24.79M42.16M
Non-Interest Income
49.76M51.03M57.87M56.19M59.66M70.22M83.1M95.13M104.08M
Non-Interest Income %
28.23%25.23%25.39%26.34%24.42%20.67%15.9%15.45%16.83%
Total Revenue
176.29M▲ 0%
202.29M▲ 14.8%
227.97M▲ 12.7%
213.29M▼ 6.4%
244.3M▲ 14.5%
339.77M▲ 39.1%
522.5M▲ 53.8%
615.9M▲ 17.9%
618.38M▲ 0.4%
Revenue Growth %
9.19%14.75%12.69%-6.44%14.54%39.08%53.78%17.88%0.4%
Non-Interest Expense
102.16M120.25M130.85M126.21M174.36M198.53M262.17M269.58M282.34M
Efficiency Ratio
57.95%59.44%57.4%59.17%71.37%58.43%50.18%43.77%45.66%
Operating Income
57.2M▲ 0%
54.94M▼ 4.0%
65.36M▲ 19.0%
42.65M▼ 34.8%
56.97M▲ 33.6%
128.64M▲ 125.8%
145.13M▲ 12.8%
149.63M▲ 3.1%
134.81M▼ 9.9%
Operating Margin %
32.45%27.16%28.67%19.99%23.32%37.86%27.78%24.29%21.8%
Operating Income Growth %
26.33%-3.95%18.96%-34.75%33.59%125.8%12.81%3.11%-9.91%
Pretax Income
57.2M▲ 0%
54.94M▼ 4.0%
65.36M▲ 19.0%
42.65M▼ 34.8%
56.97M▲ 33.6%
128.64M▲ 125.8%
145.13M▲ 12.8%
149.46M▲ 3.0%
134.81M▼ 9.8%
Pretax Margin %
32.45%27.16%28.67%19.99%23.32%37.86%27.78%24.27%21.8%
Income Tax
18.73M8.69M11.66M7.88M9.41M27.35M31.76M32.26M28.03M
Effective Tax Rate %
32.75%15.81%17.84%18.48%16.53%21.26%21.89%21.58%20.79%
Net Income
38.47M▲ 0%
46.26M▲ 20.2%
53.7M▲ 16.1%
34.77M▼ 35.3%
47.55M▲ 36.8%
101.29M▲ 113.0%
113.36M▲ 11.9%
117.2M▲ 3.4%
106.78M▼ 8.9%
Net Margin %
21.82%22.87%23.55%16.3%19.47%29.81%21.7%19.03%17.27%
Net Income Growth %
23.47%20.23%16.08%-35.25%36.78%113%11.92%3.39%-8.9%
Net Income (Continuing)
38.47M46.26M53.7M34.77M47.55M101.29M113.36M117.2M106.78M
EPS (Diluted)
2.10▲ 0%
2.42▲ 15.2%
2.65▲ 9.5%
1.73▼ 34.7%
2.15▲ 24.3%
3.60▲ 67.4%
3.44▼ 4.4%
3.31▼ 3.8%
2.99▼ 9.7%
EPS Growth %
22.81%15.24%9.5%-34.72%24.28%67.44%-4.44%-3.78%-9.67%
EPS (Basic)
2.122.442.671.742.173.613.463.343.03
Diluted Shares Outstanding
18.21M19.12M20.27M19.84M21.96M28M32.76M35.15M35.36M

PEBO Balance Sheet

Peoples Bancorp Inc. (PEBO) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
867.38M869.5M1.05B905.11M1.69B1.29B1.48B1.3B188.95M
Cash & Due from Banks
72.19M77.61M115.19M152.1M415.73M154.02M426.72M217.66M188.95M
Short Term Investments
795.19M791.89M936.1M753.01M1.28B1.13B1.05B1.08B0
Total Investments
3.22B3.59B3.87B4.21B5.98B6.01B7.43B7.77B1.98B
Investments Growth %
4.73%11.52%7.9%8.92%41.96%0.51%23.59%4.49%-74.55%
Long-Term Investments
2.42B2.79B2.93B3.46B4.71B4.88B6.38B6.68B1.98B
Accounts Receivables
000000006.68B
Goodwill & Intangibles
144.58M162.09M177.83M184.6M291.01M326.33M412.17M402.42M393.32M
Goodwill
133.11M151.25M166.03M171.26M264.19M292.4M362.17M363.2M363.2M
Intangible Assets
11.46M10.84M11.8M13.34M26.82M33.93M50M39.22M30.12M
PP&E (Net)
52.51M56.54M61.85M60.09M89.26M82.93M103.86M103.67M100.51M
Other Assets
97.07M109.33M130.25M149.7M162.49M294.56M380.19M371.62M307.09M
Total Current Assets
867.38M869.5M1.05B905.11M1.81B1.62B1.88B1.69B6.87B
Total Non-Current Assets
2.71B3.12B3.3B3.86B5.25B5.59B7.28B7.56B2.78B
Total Assets
3.58B▲ 0%
3.99B▲ 11.5%
4.36B▲ 9.1%
4.76B▲ 9.3%
7.06B▲ 48.4%
7.21B▲ 2.0%
9.16B▲ 27.1%
9.25B▲ 1.1%
9.65B▲ 4.3%
Asset Growth %
4.35%11.46%9.15%9.26%48.37%2.04%27.06%1.06%4.27%
Return on Assets (ROA)
1.1%1.22%1.29%0.76%0.8%1.42%1.39%1.27%1.13%
Accounts Payable
000000007.61B
Total Debt
353.51M465.84M400.1M183.83M265.96M601.23M733.74M431.55M734.42M
Net Debt
281.32M388.23M284.91M31.73M-149.77M447.21M307.02M213.88M545.47M
Long-Term Debt
144.02M109.64M83.12M110.57M99.47M101.09M216.24M238.07M204.14M
Short-Term Debt
209.49M356.2M316.98M73.26M166.48M500.14M517.5M193.47M530.28M
Other Liabilities
000000267.19M120.91M0
Total Current Liabilities
2.98B3.36B3.68B4.07B6.12B6.32B7.62B7.78B8.14B
Total Non-Current Liabilities
144.02M109.64M83.12M110.57M99.47M101.09M483.43M358.98M204.14M
Total Liabilities
3.12B3.47B3.76B4.19B6.22B6.42B8.1B8.14B8.44B
Total Equity
458.59M▲ 0%
520.8M▲ 13.6%
594.39M▲ 14.1%
575.67M▼ 3.1%
845.02M▲ 46.8%
785.33M▼ 7.1%
1.05B▲ 34.2%
1.11B▲ 5.5%
1.21B▲ 8.5%
Equity Growth %
5.36%13.56%14.13%-3.15%46.79%-7.06%34.15%5.51%8.55%
Equity / Assets (Capital Ratio)
12.8%13.05%13.64%12.09%11.96%10.9%11.5%12.01%12.5%
Return on Equity (ROE)
8.61%9.45%9.63%5.94%6.69%12.43%12.33%10.83%9.21%
Book Value per Share
25.1827.2429.3229.0138.4828.0532.1631.6334.13
Tangible BV per Share
17.2518.7620.5519.7125.2316.3919.5820.1823.00
Common Stock
345.41M386.81M420.88M422.54M686.28M686.45M865.23M866.84M871.57M
Additional Paid-in Capital
000000000
Retained Earnings
133.44M161M187.15M190.69M207.08M265.94M327.24M388.11M436.75M
Accumulated OCI
-5.21M-12.93M-1.43M1.34M-11.62M-127.14M-101.59M-110.39M-70.63M
Treasury Stock
-15.97M-14.09M-12.21M-38.89M-36.71M-39.92M-37.34M-32.98M-31.09M
Preferred Stock
000000000

PEBO Cash Flow Statement

Peoples Bancorp Inc. (PEBO) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
60.82M75.24M67.16M85.48M156.42M119.84M143.64M143.19M134.73M
Operating CF Growth %
0.84%23.71%-10.75%27.29%82.98%-23.39%19.86%-0.32%-5.91%
Net Income
38.47M46.26M53.7M34.77M47.55M101.29M113.36M117.2M106.78M
Depreciation & Amortization
18.14M18.2M17.86M25.64M24.64M17.32M3.67M3.51M14.48M
Deferred Taxes
-2.78M-309K109K-8.1M2.87M18.57M-238K6.97M-1.21M
Other Non-Cash Items
1M12.33M-4.26M32.24M71M-12.34M20.31M23.36M35.86M
Working Capital Changes
6.19M-1.24M-248K940K6.46M-9.32M517K-15.19M-28.09M
Cash from Investing
-162.69M-130.16M1.05M-393.92M-74.43M-414.21M-132.93M-344.31M-424.45M
Purchase of Investments
-311.82M-279.98M-280.06M-307.78M-1.17B-478.41M-311.68M-616.39M-485.65M
Sale/Maturity of Investments
154.5M149.38M284.86M456.77M858.42M243.62M455.34M478.66M480.19M
Net Investment Activity
-157.32M-130.6M4.8M148.99M-316.01M-234.79M143.65M-137.73M-5.46M
Acquisitions
-1.07M4.7M7.81M-94.86M132.72M-85.79M92.59M-1.58M0
Other Investing
556K278K-8.75M-443.75M115.54M-86.88M-355.72M-198.17M-412.96M
Cash from Financing
107.92M60.33M-30.63M345.34M181.64M32.67M261.99M-7.94M261.01M
Dividends Paid
-14.71M-20.91M-25.94M-27.05M-31M-42.37M-51.84M-55.83M-58.14M
Share Repurchases
00-805K-29.28M0-7.41M-3.03M-3M-3.32M
Stock Issued
9K25K6K594K906K1.23M1.26M1.48M1.67M
Net Stock Activity
9K25K-799K-28.69M906K-6.18M-1.77M-1.52M-1.65M
Debt Issuance (Net)
-1000K1000K-1000K-1000K1000K1000K1000K-1000K1000K
Other Financing
219.87M23.93M76.42M617.51M199.45M-146.85M150.3M485.8M19.69M
Net Change in Cash
6.05M▲ 0%
5.42M▼ 10.4%
37.58M▲ 593.6%
36.91M▼ 1.8%
263.63M▲ 614.3%
-261.7M▼ 199.3%
272.7M▲ 204.2%
-209.06M▼ 176.7%
-28.71M▲ 86.3%
Exchange Rate Effect
000000000
Cash at Beginning
66.15M72.19M77.61M115.19M152.1M415.73M154.02M426.72M217.66M
Cash at End
72.19M77.61M115.19M152.1M415.73M154.02M426.72M217.66M188.95M
Interest Paid
13M19.92M28.89M18.94M13.39M16.27M90.37M172.71M159.88M
Income Taxes Paid
14.04M6.13M11.45M12.5M6.69M4.13M29.87M28.49M22.93M
Free Cash Flow
55.95M▲ 0%
70.71M▲ 26.4%
64.35M▼ 9.0%
81.18M▲ 26.2%
149.74M▲ 84.4%
113.09M▼ 24.5%
130.19M▲ 15.1%
136.37M▲ 4.7%
128.7M▼ 5.6%
FCF Growth %
1.97%26.37%-9%26.16%84.44%-24.48%15.12%4.75%-5.62%

PEBO Banking Ratios

Peoples Bancorp Inc. (PEBO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)7.29%8.61%9.45%9.63%5.94%6.69%12.43%12.33%10.83%9.21%
Return on Assets (ROA)0.93%1.1%1.22%1.29%0.76%0.8%1.42%1.39%1.27%1.13%
Net Interest Margin3.06%3.17%3.25%3.23%2.92%2.44%3.52%3.71%3.77%3.68%
Efficiency Ratio63.21%57.95%59.44%57.4%59.17%71.37%58.43%50.18%43.77%45.66%
Equity / Assets12.68%12.8%13.05%13.64%12.09%11.96%10.9%11.5%12.01%12.5%
Book Value / Share23.9725.1827.2429.3229.0138.4828.0532.1631.6334.13
NII Growth7.43%8.12%14.32%8.66%-1.36%24.21%46.88%33.91%2.75%1.87%
Dividend Payout35.86%38.23%45.22%48.31%77.81%65.19%41.83%45.73%47.63%54.45%
Related:PEBO Dividend History·PEBO Revenue History·PEBO Price History·PEBO P/E History·PEBO Financial Ratios·PEBO Institutional Holders

PEBO SEC Filings & Documents

Peoples Bancorp Inc. (PEBO) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 21, 2026·SEC

Material company update

Feb 2, 2026·SEC

Material company update

Jan 26, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

10-Q Quarterly Reports

3
FY 2025

Oct 30, 2025·SEC

FY 2025

Jul 31, 2025·SEC

FY 2025

May 1, 2025·SEC

PEBO Frequently Asked Questions

Peoples Bancorp Inc. (PEBO) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Peoples Bancorp Inc. (PEBO) grew revenue by 0.4% over the past year. Growth has been modest.

Yes, Peoples Bancorp Inc. (PEBO) is profitable, generating $106.8M in net income for fiscal year 2025 (17.3% net margin).

Dividend & Returns

Yes, Peoples Bancorp Inc. (PEBO) pays a dividend with a yield of 4.49%. This makes it attractive for income-focused investors.

Peoples Bancorp Inc. (PEBO) has a return on equity (ROE) of 9.2%. This is below average, suggesting room for improvement.

Industry Metrics

Peoples Bancorp Inc. (PEBO) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.

Peoples Bancorp Inc. (PEBO) has an efficiency ratio of 45.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in PEBO back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in PEBO be worth today?

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