Peoples Bancorp Inc. (PEBO) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
13.80
↑+52% vs avg
5yr avg: 9.06
30Y Low6.7·High56.0
P/FCF
↑
10.21
↑+40% vs avg
5yr avg: 7.31
30Y Low3.7·High17.0
P/B Ratio
↑
1.07
+13% vs avg
5yr avg: 0.95
30Y Low0.4·High2.0
ROE
↑
9.2%
-11% vs avg
5yr avg: 10.3%
30Y Low2%·High14%
Debt/EBITDA
↑
5.45
↑+32% vs avg
5yr avg: 4.11
30Y Low2.7·High47.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PEBO Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Peoples Bancorp Inc. trades at 12.2x earnings, 18% above its 5-year average of 10.4x, sitting at the 27th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a discount of 12%. On a free-cash-flow basis, the stock trades at 10.2x P/FCF, 40% above the 5-year average of 7.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.3B | $1.1B | $1.1B | $1.1B | $791M | $699M | $538M | $703M | $576M | $594M | $589M |
| Enterprise Value | $1.9B | $1.6B | $1.3B | $1.4B | $1.2B | $549M | $569M | $988M | $964M | $875M | $974M |
| P/E Ratio → | 12.24 | 10.04 | 9.57 | 9.81 | 7.85 | 14.80 | 15.66 | 13.08 | 12.44 | 15.53 | 18.98 |
| P/S Ratio | 2.13 | 1.72 | 1.81 | 2.12 | 2.33 | 2.86 | 2.52 | 3.08 | 2.85 | 3.37 | 3.65 |
| P/B Ratio | 1.07 | 0.88 | 1.00 | 1.05 | 1.01 | 0.83 | 0.93 | 1.18 | 1.11 | 1.30 | 1.35 |
| P/FCF | 10.21 | 8.25 | 8.17 | 8.50 | 6.99 | 4.67 | 6.62 | 10.92 | 8.14 | 10.62 | 10.74 |
| P/OCF | 9.76 | 7.88 | 7.78 | 7.70 | 6.60 | 4.47 | 6.29 | 10.46 | 7.65 | 9.77 | 9.77 |
P/E links to full P/E history page with 30-year chart
PEBO EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Peoples Bancorp Inc.'s enterprise value stands at 13.8x EBITDA, 52% above its 5-year average of 9.1x. The Financial Services sector median is 11.5x, placing the stock at a 20% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.60 | 2.16 | 2.70 | 3.64 | 2.25 | 2.67 | 4.33 | 4.76 | 4.97 | 6.03 |
| EV / EBITDA | 13.80 | 11.92 | 8.67 | 9.50 | 8.48 | 6.72 | 8.34 | 11.87 | 13.18 | 11.62 | 15.11 |
| EV / EBIT | 13.80 | 11.92 | 8.88 | 9.74 | 9.63 | 9.63 | 13.35 | 15.11 | 17.54 | 15.32 | 21.51 |
| EV / FCF | — | 12.49 | 9.74 | 10.85 | 10.95 | 3.66 | 7.01 | 15.35 | 13.63 | 15.64 | 17.75 |
PEBO Profitability
Margins and return-on-capital ratios measuring operating efficiency
Peoples Bancorp Inc. earns an operating margin of 21.8%, roughly in line with the Financial Services sector average. Operating margins have compressed from 27.8% to 21.8% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 9.2% is modest. ROIC of 5.8% represents adequate returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 67.5% | 67.5% | 68.0% | 78.0% | 96.3% | 94.7% | 79.2% | 86.1% | 86.6% | 90.4% | 91.3% |
| Operating Margin | 21.8% | 21.8% | 24.3% | 27.8% | 37.9% | 23.3% | 20.0% | 28.7% | 27.2% | 32.4% | 28.0% |
| Net Profit Margin | 17.3% | 17.3% | 19.0% | 21.7% | 29.8% | 19.5% | 16.3% | 23.6% | 22.9% | 21.8% | 19.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.2% | 9.2% | 10.8% | 12.3% | 12.4% | 6.7% | 5.9% | 9.6% | 9.4% | 8.6% | 7.3% |
| ROA | 1.1% | 1.1% | 1.3% | 1.4% | 1.4% | 0.8% | 0.8% | 1.3% | 1.2% | 1.1% | 0.9% |
| ROIC | 5.8% | 5.8% | 6.7% | 6.9% | 7.7% | 4.6% | 3.6% | 4.9% | 4.6% | 5.1% | 4.3% |
| ROCE | 9.0% | 9.0% | 10.0% | 12.0% | 14.1% | 7.0% | 6.2% | 10.0% | 8.9% | 10.0% | 8.8% |
PEBO Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Peoples Bancorp Inc. carries a Debt/EBITDA ratio of 5.4x, which is highly leveraged (28% above the sector average of 4.3x). Net debt stands at $545M ($734M total debt minus $189M cash). Interest coverage of just 0.8x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.61 | 0.61 | 0.39 | 0.70 | 0.77 | 0.31 | 0.32 | 0.67 | 0.89 | 0.77 | 1.04 |
| Debt / EBITDA | 5.45 | 5.45 | 2.82 | 4.93 | 4.12 | 3.26 | 2.69 | 4.81 | 6.37 | 4.69 | 6.99 |
| Net Debt / Equity | — | 0.45 | 0.19 | 0.29 | 0.57 | -0.18 | 0.06 | 0.48 | 0.75 | 0.61 | 0.88 |
| Net Debt / EBITDA | 4.05 | 4.05 | 1.40 | 2.06 | 3.06 | -1.84 | 0.46 | 3.42 | 5.31 | 3.73 | 5.97 |
| Debt / FCF | — | 4.24 | 1.57 | 2.36 | 3.95 | -1.00 | 0.39 | 4.43 | 5.49 | 5.03 | 7.01 |
| Interest Coverage | 0.85 | 0.85 | 0.87 | 1.45 | 7.98 | 4.66 | 2.35 | 2.23 | 2.54 | 4.35 | 4.28 |
PEBO Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.84x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.25x to 0.84x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.84 | 0.84 | 0.22 | 0.25 | 0.26 | 0.30 | 0.22 | 0.29 | 0.26 | 0.29 | 0.29 |
| Quick Ratio | 0.84 | 0.84 | 0.22 | 0.25 | 0.26 | 0.30 | 0.22 | 0.29 | 0.26 | 0.29 | 0.29 |
| Cash Ratio | 0.02 | 0.02 | 0.03 | 0.06 | 0.02 | 0.07 | 0.04 | 0.03 | 0.02 | 0.02 | 0.02 |
| Asset Turnover | — | 0.06 | 0.07 | 0.06 | 0.05 | 0.03 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
PEBO Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Peoples Bancorp Inc. returns 4.7% to shareholders annually — split between a 4.5% dividend yield and 0.3% buyback yield. A payout ratio of 54.4% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 8.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 4.5% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 54.4% | 54.4% | 47.6% | 45.7% | 41.8% | 65.2% | 77.8% | 48.3% | 45.2% | 38.2% | 35.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.2% | 10.0% | 10.4% | 10.2% | 12.7% | 6.8% | 6.4% | 7.6% | 8.0% | 6.4% | 5.3% |
| FCF Yield | 9.8% | 12.1% | 12.2% | 11.8% | 14.3% | 21.4% | 15.1% | 9.2% | 12.3% | 9.4% | 9.3% |
| Buyback Yield | 0.3% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 4.7% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $35M | $35M | $33M | $28M | $22M | $20M | $20M | $19M | $18M | $18M |
Peer Comparison
Compare PEBO with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 PEBOYou | $1B | 12.2 | 13.8 | 10.2 | 67.5% | 21.8% | 9.2% | 5.8% | 5.4 |
 FFBC | $3B | 12.1 | 12.8 | 10.7 | 68.4% | 25.5% | 9.8% | 6.4% | 3.5 |
 HONE | $522M | 18.3 | 20.8 | 200.7 | 50.9% | 10.9% | 4.7% | 2.3% | 13.3 |
 OVBC | $236M | 15.1 | 15.0 | 13.9 | 67.6% | 20.6% | 9.7% | 6.9% | 2.8 |
 FMNB | $571M | 10.0 | 14.1 | 10.9 | 63.8% | 23.9% | 12.2% | 5.9% | 5.7 |
 CIVB | $564M | 10.3 | 13.9 | 12.8 | 66.4% | 21.7% | 9.9% | 5.0% | 5.1 |
 MVBF | $365M | 13.8 | 5.4 | 172.8 | 71.7% | 13.6% | 8.4% | 7.0% | 2.1 |
 CHMG | $349M | 23.2 | 14.6 | 7.9 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CZWI | $207M | 14.7 | 15.7 | 19.9 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 FBIZ | $506M | 10.0 | 12.1 | 8.3 | 57.3% | 21.6% | 14.4% | 7.0% | 4.3 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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Run the NumbersIs PEBO Undervalued Right Now?
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Compare NowPEBO — Frequently Asked Questions
Quick answers to the most common questions about buying PEBO stock.
What is Peoples Bancorp Inc.'s P/E ratio?
Peoples Bancorp Inc.'s current P/E ratio is 12.2x. The historical average is 16.8x. This places it at the 27th percentile of its historical range.
What is Peoples Bancorp Inc.'s EV/EBITDA?
Peoples Bancorp Inc.'s current EV/EBITDA is 13.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.3x.
What is Peoples Bancorp Inc.'s ROE?
Peoples Bancorp Inc.'s return on equity (ROE) is 9.2%. The historical average is 8.9%.
Is PEBO stock overvalued?
Based on historical data, Peoples Bancorp Inc. is trading at a P/E of 12.2x. This is at the 27th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Peoples Bancorp Inc.'s dividend yield?
Peoples Bancorp Inc.'s current dividend yield is 4.49% with a payout ratio of 54.4%.
What are Peoples Bancorp Inc.'s profit margins?
Peoples Bancorp Inc. has 67.5% gross margin and 21.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Peoples Bancorp Inc. have?
Peoples Bancorp Inc.'s Debt/EBITDA ratio is 5.4x, indicating high leverage. A ratio above 4x may signal elevated financial risk.