Peoples Bancorp Inc. (PEBO) 10-Year Financial Performance & Capital Metrics

PEBO • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingMidwest Community Banks

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 $349M +2.7%
Total Revenue $616M +17.9%
Net Income $117M +3.4%
Return on Equity 10.83% -12.2%
Net Interest Margin 3.77% +1.7%
Efficiency Ratio 43.77% -12.8%
ROA 1.27% -8.1%
Equity / Assets 12.01% +4.4%
Book Value per Share 31.63 -1.7%
Tangible BV/Share 20.18 +3.1%
Debt/Equity 0.39 -44.3%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 16.9%
✓Strong NIM of 3.8%
✓Efficient operations: 43.8% efficiency ratio
✓14 consecutive years of dividend growth
✓Well capitalized: 12.0% equity/assets
✓Healthy dividend yield of 5.0%

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y18.16%

5Y21.99%

3Y36.1%

TTM-

Profit (Net Income) CAGR

10Y21.52%

5Y16.9%

3Y35.08%

TTM-16.2%

EPS CAGR

10Y9.38%

5Y4.55%

3Y15.47%

TTM-16.81%

ROCE

10Y Avg8.99%

5Y Avg9.84%

3Y Avg11.99%

Latest9.95%

Peer Comparison

Midwest Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TFSLTFS Financial Corporation	3.97B	14.13	44.16	4.37%	11.49%	4.41%	1.15%	2.57
ASBAssociated Banc-Corp	4.43B	26.70	37.08	4.42%	5.85%	3.62%	12.08%	0.69
ASBAAssociated Banc-Corp	4.11B	24.78	30.98	-6.56%	12.92%	3.77%	13.02%	0.17
BANFBancFirst Corporation	3.81B	114.30	17.75	12.28%	23.81%	13.33%	5.89%	0.05
SYBTStock Yards Bancorp, Inc.	2.03B	68.83	17.69	15.84%	22.86%	12.99%	6.56%	0.53
PRKPark National Corporation	2.63B	163.76	17.57	14.4%	23.46%	13.22%	6.44%	0.24
NICNicolet Bankshares, Inc.	1.97B	133.08	16.53	24.6%	23.88%	11.4%	5.95%	0.14
LKFNLakeland Financial Corporation	1.52B	59.47	16.38	9.38%	21.74%	13.06%	6.18%

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	97.61M	104.86M	113.38M	129.61M	140.84M	138.92M	172.55M	253.44M	339.37M	348.7M
NII Growth %	0.4%	0.07%	0.08%	0.14%	0.09%	-0.01%	0.24%	0.47%	0.34%	0.03%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	108.33M	115.44M	126.53M	151.26M	170.09M	157.1M	184.63M	269.55M	439.4M	520.78M
Interest Expense	10.72M	10.58M	13.15M	21.65M	29.26M	18.18M	12.24M	16.11M	100.03M	172.07M
Loan Loss Provision	14.1M	3.54M	3.77M	5.45M	2.5M	26.25M	731K	-3.51M	15.17M	24.79M
Non-Interest Income+	42.87M	46.01M	49.76M	51.03M	57.87M	56.19M	59.66M	70.22M	83.1M	95.13M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	151.2M	161.45M	176.29M	202.29M	227.97M	213.29M	244.3M	339.77M	522.5M	615.9M
Revenue Growth %	0.3%	0.07%	0.09%	0.15%	0.13%	-0.06%	0.15%	0.39%	0.54%	0.18%
Non-Interest Expense	111.57M	102.05M	102.16M	120.25M	130.85M	126.21M	174.36M	198.53M	262.17M	269.58M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	14.82M	45.28M	57.2M	54.94M	65.36M	42.65M	56.97M	128.64M	145.13M	149.63M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.39%	2.06%	0.26%	-0.04%	0.19%	-0.35%	0.34%	1.26%	0.13%	0.03%
Pretax Income+	14.82M	45.28M	57.2M	54.94M	65.36M	42.65M	56.97M	128.64M	145.13M	149.46M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	3.88M	14.13M	18.73M	8.69M	11.66M	7.88M	9.41M	27.35M	31.76M	32.26M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	10.94M	31.16M	38.47M	46.26M	53.7M	34.77M	47.55M	101.29M	113.36M	117.2M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.34%	1.85%	0.23%	0.2%	0.16%	-0.35%	0.37%	1.13%	0.12%	0.03%
Net Income (Continuing)	10.94M	31.16M	38.47M	46.26M	53.7M	34.77M	47.55M	101.29M	113.36M	117.2M
EPS (Diluted)+	0.61	1.71	2.10	2.42	2.65	1.73	2.15	3.60	3.44	3.31
EPS Growth %	-0.55%	1.8%	0.23%	0.15%	0.1%	-0.35%	0.24%	0.67%	-0.04%	-0.04%
EPS (Basic)	0.62	1.72	2.12	2.44	2.67	1.74	2.17	3.61	3.46	3.34
Diluted Shares Outstanding	17.69M	18.16M	18.21M	19.12M	20.27M	19.84M	21.96M	28M	32.76M	35.15M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	71.11M	66.15M	72.19M	77.61M	115.19M	152.1M	415.73M	154.02M	426.72M	217.66M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	2.93B	3.07B	3.22B	3.59B	3.87B	4.21B	5.98B	6.01B	7.43B	7.77B
Investments Growth %	0.26%	0.05%	0.05%	0.12%	0.08%	0.09%	0.42%	0.01%	0.24%	0.04%
Long-Term Investments	2.14B	2.29B	2.42B	2.79B	2.93B	3.46B	4.71B	4.88B	6.38B	6.68B
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	132.63M	132.63M	133.11M	151.25M	166.03M	171.26M	264.19M	292.4M	362.17M	363.2M
Intangible Assets	16.99M	13.39M	11.46M	10.84M	11.8M	13.34M	26.82M	33.93M	50M	39.22M
PP&E (Net)	53.49M	53.62M	52.51M	56.54M	61.85M	60.09M	89.26M	82.93M	103.86M	103.67M
Other Assets	58.31M	96.58M	97.07M	109.33M	130.25M	149.7M	162.49M	294.56M	380.19M	371.62M
Total Current Assets	855.82M	844.09M	867.38M	869.5M	1.05B	905.11M	1.81B	1.62B	1.88B	1.69B
Total Non-Current Assets	2.4B	2.59B	2.71B	3.12B	3.3B	3.86B	5.25B	5.59B	7.28B	7.56B
Total Assets+	3.26B	3.43B	3.58B	3.99B	4.36B	4.76B	7.06B	7.21B	9.16B	9.25B
Asset Growth %	0.27%	0.05%	0.04%	0.11%	0.09%	0.09%	0.48%	0.02%	0.27%	0.01%
Return on Assets (ROA)	0%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	274.06M	450.76M	353.51M	465.84M	400.1M	183.83M	265.96M	601.23M	733.74M	431.55M
Net Debt	202.94M	384.62M	281.32M	388.23M	284.91M	31.73M	-149.77M	447.21M	307.02M	213.88M
Long-Term Debt	73.67M	105.16M	144.02M	109.64M	83.12M	110.57M	99.47M	101.09M	216.24M	238.07M
Short-Term Debt	200.39M	345.61M	209.49M	356.2M	316.98M	73.26M	166.48M	500.14M	517.5M	193.47M
Other Liabilities	0	0	0	0	0	0	0	0	267.19M	120.91M
Total Current Liabilities	2.77B	2.89B	2.98B	3.36B	3.68B	4.07B	6.12B	6.32B	7.62B	7.78B
Total Non-Current Liabilities	73.67M	105.16M	144.02M	109.64M	83.12M	110.57M	99.47M	101.09M	483.43M	358.98M
Total Liabilities	2.84B	3B	3.12B	3.47B	3.76B	4.19B	6.22B	6.42B	8.1B	8.14B
Total Equity+	419.79M	435.26M	458.59M	520.8M	594.39M	575.67M	845.02M	785.33M	1.05B	1.11B
Equity Growth %	0.23%	0.04%	0.05%	0.14%	0.14%	-0.03%	0.47%	-0.07%	0.34%	0.06%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.03%	0.07%	0.09%	0.09%	0.1%	0.06%	0.07%	0.12%	0.12%	0.11%
Book Value per Share	23.73	23.97	25.18	27.24	29.32	29.01	38.48	28.05	32.16	31.63
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	343.95M	344.4M	345.41M	386.81M	420.88M	422.54M	686.28M	686.45M	865.23M	866.84M
Additional Paid-in Capital	0	0	0	0	0	0	0	0	0	0
Retained Earnings	90.79M	110.29M	133.44M	161M	187.15M	190.69M	207.08M	265.94M	327.24M	388.11M
Accumulated OCI	-359K	-1.55M	-5.21M	-12.93M	-1.43M	1.34M	-11.62M	-127.14M	-101.59M	-110.39M
Treasury Stock	-14.59M	-17.88M	-15.97M	-14.09M	-12.21M	-38.89M	-36.71M	-39.92M	-37.34M	-32.98M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	47.88M	60.31M	60.82M	75.24M	67.16M	85.48M	156.42M	119.84M	143.64M	143.19M
Operating CF Growth %	0.52%	0.26%	0.01%	0.24%	-0.11%	0.27%	0.83%	-0.23%	0.2%	-0%
Net Income	10.94M	31.16M	38.47M	46.26M	53.7M	34.77M	47.55M	101.29M	113.36M	117.2M
Depreciation & Amortization	18.5M	19.17M	18.14M	18.2M	17.86M	25.64M	24.64M	17.32M	3.67M	3.51M
Deferred Taxes	-1.58M	-2.46M	-2.78M	-309K	109K	-8.1M	2.87M	18.57M	-238K	6.97M
Other Non-Cash Items	19.11M	3.13M	1M	12.33M	-4.26M	32.24M	71M	-12.34M	20.31M	23.36M
Working Capital Changes	915K	9.67M	6.19M	-1.24M	-248K	940K	6.46M	-9.32M	517K	-15.19M
Cash from Investing+	-1.11M	-198.36M	-162.69M	-130.16M	1.05M	-393.92M	-74.43M	-414.21M	-132.93M	-344.31M
Purchase of Investments	-198.11M	-318.64M	-311.82M	-279.98M	-280.06M	-307.78M	-1.17B	-478.41M	-311.68M	-616.39M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	97.28M	-244K	-1.07M	4.7M	7.81M	-94.86M	132.72M	-85.79M	92.59M	-1.58M
Other Investing	-76.92M	-34.76M	556K	278K	-8.75M	-443.75M	115.54M	-86.88M	-355.72M	-198.17M
Cash from Financing+	-37.11M	133.08M	107.92M	60.33M	-30.63M	345.34M	181.64M	32.67M	261.99M	-7.94M
Dividends Paid	-10.06M	-11.17M	-14.71M	-20.91M	-25.94M	-27.05M	-31M	-42.37M	-51.84M	-55.83M
Share Repurchases	-741K	-4.96M	0	0	-805K	-29.28M	0	-7.41M	-3.03M	-3M
Stock Issued	0	18K	9K	25K	6K	594K	906K	1.23M	1.26M	1.48M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-337K	1000K	-1000K	1000K	-1000K	-1000K	1000K	1000K	1000K	-1000K
Other Financing	-25.97M	-27.01M	219.87M	23.93M	76.42M	617.51M	199.45M	-146.85M	150.3M	485.8M
Net Change in Cash+	9.66M	-4.97M	6.05M	5.42M	37.58M	36.91M	263.63M	-261.7M	272.7M	-209.06M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	61.45M	71.11M	66.15M	72.19M	77.61M	115.19M	152.1M	415.73M	154.02M	426.72M
Cash at End	71.11M	66.15M	72.19M	77.61M	115.19M	152.1M	415.73M	154.02M	426.72M	217.66M
Interest Paid	11.54M	10.76M	13M	19.92M	28.89M	18.94M	13.39M	16.27M	90.37M	172.71M
Income Taxes Paid	672K	11.89M	14.04M	6.13M	11.45M	12.5M	6.69M	4.13M	29.87M	28.49M
Free Cash Flow+	38.45M	54.88M	55.95M	70.71M	64.35M	81.18M	149.74M	113.09M	130.19M	136.37M
FCF Growth %	0.58%	0.43%	0.02%	0.26%	-0.09%	0.26%	0.84%	-0.24%	0.15%	0.05%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	2.88%	7.29%	8.61%	9.45%	9.63%	5.94%	6.69%	12.43%	12.33%	10.83%
Return on Assets (ROA)	0.38%	0.93%	1.1%	1.22%	1.29%	0.76%	0.8%	1.42%	1.39%	1.27%
Net Interest Margin	3%	3.06%	3.17%	3.25%	3.23%	2.92%	2.44%	3.52%	3.71%	3.77%
Efficiency Ratio	73.79%	63.21%	57.95%	59.44%	57.4%	59.17%	71.37%	58.43%	50.18%	43.77%
Equity / Assets	12.88%	12.68%	12.8%	13.05%	13.64%	12.09%	11.96%	10.9%	11.5%	12.01%
Book Value / Share	23.73	23.97	25.18	27.24	29.32	29.01	38.48	28.05	32.16	31.63
NII Growth	40.44%	7.43%	8.12%	14.32%	8.66%	-1.36%	24.21%	46.88%	33.91%	2.75%
Dividend Payout	91.99%	35.86%	38.23%	45.22%	48.31%	77.81%	65.19%	41.83%	45.73%	47.63%

Revenue by Segment

	2022	2023	2024
Fiduciary and Trust	10.05M	10.29M	11.5M
Fiduciary and Trust Growth	-	2.46%	11.67%

Frequently Asked Questions

Valuation & Price

Peoples Bancorp Inc. (PEBO) has a price-to-earnings (P/E) ratio of 9.5x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Peoples Bancorp Inc. (PEBO) grew revenue by 17.9% over the past year. This is strong growth.

Yes, Peoples Bancorp Inc. (PEBO) is profitable, generating $104.2M in net income for fiscal year 2024 (19.0% net margin).

Dividend & Returns

Yes, Peoples Bancorp Inc. (PEBO) pays a dividend with a yield of 5.03%. This makes it attractive for income-focused investors.

Peoples Bancorp Inc. (PEBO) has a return on equity (ROE) of 10.8%. This is reasonable for most industries.

Industry Metrics

Peoples Bancorp Inc. (PEBO) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.

Peoples Bancorp Inc. (PEBO) has an efficiency ratio of 43.8%. This is excellent, indicating strong cost control.

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