8-K Announcements
6Apr 21, 2026·SEC
Feb 2, 2026·SEC
Jan 26, 2026·SEC
Peoples Bancorp Inc. (PEBO) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Peoples Bancorp Inc. (PEBO) stock price & volume — 10-year historical chart
Peoples Bancorp Inc. (PEBO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Peoples Bancorp Inc. (PEBO) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $0.82vs $0.80+2.5% | $119Mvs $119M+0.5% |
| Q1 2026 | Feb 26, 2026 | $0.90 | $157M |
| Q1 2026 | Jan 20, 2026 | $0.93vs $0.88+5.7% | $120Mvs $118M+1.3% |
| Q4 2025 | Oct 21, 2025 | $0.90vs $0.83+8.4% | $137Mvs $118M+16.1% |
Peoples Bancorp Inc. (PEBO) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
Peoples Bancorp Inc. (PEBO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Peoples Bancorp Inc. (PEBO) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 113.38M | 129.61M | 140.84M | 138.92M | 172.55M | 253.44M | 339.37M | 348.7M | 355.23M |
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 | 126.53M | 151.26M | 170.09M | 157.1M | 184.63M | 269.55M | 439.4M | 520.78M | 514.31M |
Interest Expense | 13.15M | 21.65M | 29.26M | 18.18M | 12.24M | 16.11M | 100.03M | 172.07M | 159.08M |
Loan Loss Provision | 3.77M | 5.45M | 2.5M | 26.25M | 731K | -3.51M | 15.17M | 24.79M | 42.16M |
Non-Interest Income | 49.76M | 51.03M | 57.87M | 56.19M | 59.66M | 70.22M | 83.1M | 95.13M | 104.08M |
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 | 102.16M | 120.25M | 130.85M | 126.21M | 174.36M | 198.53M | 262.17M | 269.58M | 282.34M |
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 | 18.73M | 8.69M | 11.66M | 7.88M | 9.41M | 27.35M | 31.76M | 32.26M | 28.03M |
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) | 38.47M | 46.26M | 53.7M | 34.77M | 47.55M | 101.29M | 113.36M | 117.2M | 106.78M |
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) | 2.12 | 2.44 | 2.67 | 1.74 | 2.17 | 3.61 | 3.46 | 3.34 | 3.03 |
Diluted Shares Outstanding | 18.21M | 19.12M | 20.27M | 19.84M | 21.96M | 28M | 32.76M | 35.15M | 35.36M |
Peoples Bancorp Inc. (PEBO) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 867.38M | 869.5M | 1.05B | 905.11M | 1.69B | 1.29B | 1.48B | 1.3B | 188.95M |
Cash & Due from Banks | 72.19M | 77.61M | 115.19M | 152.1M | 415.73M | 154.02M | 426.72M | 217.66M | 188.95M |
Short Term Investments | 795.19M | 791.89M | 936.1M | 753.01M | 1.28B | 1.13B | 1.05B | 1.08B | 0 |
Total Investments | 3.22B | 3.59B | 3.87B | 4.21B | 5.98B | 6.01B | 7.43B | 7.77B | 1.98B |
Investments Growth % | 4.73% | 11.52% | 7.9% | 8.92% | 41.96% | 0.51% | 23.59% | 4.49% | -74.55% |
Long-Term Investments | 2.42B | 2.79B | 2.93B | 3.46B | 4.71B | 4.88B | 6.38B | 6.68B | 1.98B |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.68B |
Goodwill & Intangibles | 144.58M | 162.09M | 177.83M | 184.6M | 291.01M | 326.33M | 412.17M | 402.42M | 393.32M |
Goodwill | 133.11M | 151.25M | 166.03M | 171.26M | 264.19M | 292.4M | 362.17M | 363.2M | 363.2M |
Intangible Assets | 11.46M | 10.84M | 11.8M | 13.34M | 26.82M | 33.93M | 50M | 39.22M | 30.12M |
PP&E (Net) | 52.51M | 56.54M | 61.85M | 60.09M | 89.26M | 82.93M | 103.86M | 103.67M | 100.51M |
Other Assets | 97.07M | 109.33M | 130.25M | 149.7M | 162.49M | 294.56M | 380.19M | 371.62M | 307.09M |
Total Current Assets | 867.38M | 869.5M | 1.05B | 905.11M | 1.81B | 1.62B | 1.88B | 1.69B | 6.87B |
Total Non-Current Assets | 2.71B | 3.12B | 3.3B | 3.86B | 5.25B | 5.59B | 7.28B | 7.56B | 2.78B |
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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7.61B |
Total Debt | 353.51M | 465.84M | 400.1M | 183.83M | 265.96M | 601.23M | 733.74M | 431.55M | 734.42M |
Net Debt | 281.32M | 388.23M | 284.91M | 31.73M | -149.77M | 447.21M | 307.02M | 213.88M | 545.47M |
Long-Term Debt | 144.02M | 109.64M | 83.12M | 110.57M | 99.47M | 101.09M | 216.24M | 238.07M | 204.14M |
Short-Term Debt | 209.49M | 356.2M | 316.98M | 73.26M | 166.48M | 500.14M | 517.5M | 193.47M | 530.28M |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 267.19M | 120.91M | 0 |
Total Current Liabilities | 2.98B | 3.36B | 3.68B | 4.07B | 6.12B | 6.32B | 7.62B | 7.78B | 8.14B |
Total Non-Current Liabilities | 144.02M | 109.64M | 83.12M | 110.57M | 99.47M | 101.09M | 483.43M | 358.98M | 204.14M |
Total Liabilities | 3.12B | 3.47B | 3.76B | 4.19B | 6.22B | 6.42B | 8.1B | 8.14B | 8.44B |
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 | 25.18 | 27.24 | 29.32 | 29.01 | 38.48 | 28.05 | 32.16 | 31.63 | 34.13 |
Tangible BV per Share | 17.25 | 18.76 | 20.55 | 19.71 | 25.23 | 16.39 | 19.58 | 20.18 | 23.00 |
Common Stock | 345.41M | 386.81M | 420.88M | 422.54M | 686.28M | 686.45M | 865.23M | 866.84M | 871.57M |
Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 133.44M | 161M | 187.15M | 190.69M | 207.08M | 265.94M | 327.24M | 388.11M | 436.75M |
Accumulated OCI | -5.21M | -12.93M | -1.43M | 1.34M | -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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Peoples Bancorp Inc. (PEBO) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 60.82M | 75.24M | 67.16M | 85.48M | 156.42M | 119.84M | 143.64M | 143.19M | 134.73M |
Operating CF Growth % | 0.84% | 23.71% | -10.75% | 27.29% | 82.98% | -23.39% | 19.86% | -0.32% | -5.91% |
Net Income | 38.47M | 46.26M | 53.7M | 34.77M | 47.55M | 101.29M | 113.36M | 117.2M | 106.78M |
Depreciation & Amortization | 18.14M | 18.2M | 17.86M | 25.64M | 24.64M | 17.32M | 3.67M | 3.51M | 14.48M |
Deferred Taxes | -2.78M | -309K | 109K | -8.1M | 2.87M | 18.57M | -238K | 6.97M | -1.21M |
Other Non-Cash Items | 1M | 12.33M | -4.26M | 32.24M | 71M | -12.34M | 20.31M | 23.36M | 35.86M |
Working Capital Changes | 6.19M | -1.24M | -248K | 940K | 6.46M | -9.32M | 517K | -15.19M | -28.09M |
Cash from Investing | -162.69M | -130.16M | 1.05M | -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 | 154.5M | 149.38M | 284.86M | 456.77M | 858.42M | 243.62M | 455.34M | 478.66M | 480.19M |
Net Investment Activity | -157.32M | -130.6M | 4.8M | 148.99M | -316.01M | -234.79M | 143.65M | -137.73M | -5.46M |
Acquisitions | -1.07M | 4.7M | 7.81M | -94.86M | 132.72M | -85.79M | 92.59M | -1.58M | 0 |
Other Investing | 556K | 278K | -8.75M | -443.75M | 115.54M | -86.88M | -355.72M | -198.17M | -412.96M |
Cash from Financing | 107.92M | 60.33M | -30.63M | 345.34M | 181.64M | 32.67M | 261.99M | -7.94M | 261.01M |
Dividends Paid | -14.71M | -20.91M | -25.94M | -27.05M | -31M | -42.37M | -51.84M | -55.83M | -58.14M |
Share Repurchases | 0 | 0 | -805K | -29.28M | 0 | -7.41M | -3.03M | -3M | -3.32M |
Stock Issued | 9K | 25K | 6K | 594K | 906K | 1.23M | 1.26M | 1.48M | 1.67M |
Net Stock Activity | 9K | 25K | -799K | -28.69M | 906K | -6.18M | -1.77M | -1.52M | -1.65M |
Debt Issuance (Net) | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K | 1000K |
Other Financing | 219.87M | 23.93M | 76.42M | 617.51M | 199.45M | -146.85M | 150.3M | 485.8M | 19.69M |
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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 66.15M | 72.19M | 77.61M | 115.19M | 152.1M | 415.73M | 154.02M | 426.72M | 217.66M |
Cash at End | 72.19M | 77.61M | 115.19M | 152.1M | 415.73M | 154.02M | 426.72M | 217.66M | 188.95M |
Interest Paid | 13M | 19.92M | 28.89M | 18.94M | 13.39M | 16.27M | 90.37M | 172.71M | 159.88M |
Income Taxes Paid | 14.04M | 6.13M | 11.45M | 12.5M | 6.69M | 4.13M | 29.87M | 28.49M | 22.93M |
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% |
Peoples Bancorp Inc. (PEBO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 3.06% | 3.17% | 3.25% | 3.23% | 2.92% | 2.44% | 3.52% | 3.71% | 3.77% | 3.68% |
| Efficiency Ratio | 63.21% | 57.95% | 59.44% | 57.4% | 59.17% | 71.37% | 58.43% | 50.18% | 43.77% | 45.66% |
| Equity / Assets | 12.68% | 12.8% | 13.05% | 13.64% | 12.09% | 11.96% | 10.9% | 11.5% | 12.01% | 12.5% |
| Book Value / Share | 23.97 | 25.18 | 27.24 | 29.32 | 29.01 | 38.48 | 28.05 | 32.16 | 31.63 | 34.13 |
| NII Growth | 7.43% | 8.12% | 14.32% | 8.66% | -1.36% | 24.21% | 46.88% | 33.91% | 2.75% | 1.87% |
| Dividend Payout | 35.86% | 38.23% | 45.22% | 48.31% | 77.81% | 65.19% | 41.83% | 45.73% | 47.63% | 54.45% |
Peoples Bancorp Inc. (PEBO) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 21, 2026·SEC
Feb 2, 2026·SEC
Jan 26, 2026·SEC
Peoples Bancorp Inc. (PEBO) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.