Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Peoples Bancorp Inc.'s quarterly P/E stands at 8.4x, down 19.1% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 19.9% YoY to 10.6x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.24 | 8.44 | 9.03 | 12.94 | 10.90 | 10.42 | 8.45 | 9.04 | 8.81 | 8.98 | 7.05 | 10.37 | 6.71 |
| — | -19.1% | +6.9% | +43.2% | +23.7% | +16.1% | +19.9% | -12.9% | +31.4% | +20.8% | -10.3% | +37.2% | -28.0% | |
| P/S Ratio | 2.13 | 1.70 | 1.94 | 1.79 | 1.76 | 1.78 | 1.70 | 1.73 | 1.72 | 1.97 | 1.54 | 1.71 | 1.74 |
| — | -4.7% | +14.6% | +3.4% | +2.2% | -9.7% | +10.0% | +1.4% | -1.3% | -5.7% | -32.5% | -25.4% | -40.8% | |
| P/B Ratio | 1.07 | 0.88 | 0.90 | 0.93 | 0.92 | 1.01 | 0.94 | 0.98 | 0.98 | 1.12 | 0.90 | 0.87 | 0.86 |
| — | -12.3% | -4.7% | -4.4% | -5.9% | -10.6% | +5.1% | +12.6% | +13.5% | +11.7% | -15.8% | -8.5% | -21.0% | |
| P/FCF | 10.21 | 9.38 | 20.86 | 5.47 | 8.30 | 7.03 | 7.97 | 8.71 | 7.83 | 10.68 | 4.79 | 20.06 | 3.90 |
| — | +33.5% | +161.9% | -37.2% | +6.0% | -34.2% | +66.2% | -56.6% | +100.8% | -4.9% | -14.1% | +390.2% | -75.8% | |
| EV / EBITDA | 13.80 | 10.60 | 19.54 | 12.82 | 8.31 | 8.84 | 5.87 | 8.87 | 7.35 | 7.97 | 7.67 | 11.74 | 8.00 |
| — | +19.9% | +232.9% | +44.5% | +13.0% | +11.0% | -23.4% | -24.5% | -8.1% | -7.4% | +19.7% | +98.7% | +21.7% | |
| EV / EBIT | 13.80 | 10.60 | 23.04 | 13.85 | 8.89 | 9.55 | 6.27 | 9.56 | 7.89 | 8.57 | 8.28 | 12.95 | 8.44 |
| — | +11.0% | +267.4% | +44.9% | +12.7% | +11.5% | -24.3% | -26.2% | -6.5% | -5.9% | +22.0% | +105.9% | +21.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Peoples Bancorp Inc.'s operating margin was 24.2% in Q4 2025, up 11.0 pp QoQ and up 2.0 pp YoY. The trailing four-quarter average of 19.2% lags the current quarter, suggesting the recent improvement is above-trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 67.5% | 69.7% | 64.3% | 63.1% | 66.8% | 69.1% | 67.1% | 67.2% | 68.8% | 74.6% | 76.2% | 76.7% | 87.0% |
| — | +0.9% | -4.1% | -6.1% | -3.0% | -7.4% | -12.0% | -12.4% | -20.9% | -18.6% | -18.7% | -20.6% | -17.1% | |
| Operating Margin | 21.8% | 24.2% | 13.2% | 18.3% | 21.1% | 22.2% | 26.2% | 23.6% | 25.1% | 29.0% | 28.2% | 21.5% | 33.2% |
| — | +9.0% | -49.6% | -22.7% | -16.0% | -23.4% | -7.2% | +9.8% | -24.4% | -19.4% | -25.1% | -44.8% | -15.9% | |
| Net Margin | 17.3% | 20.2% | 21.6% | 14.1% | 16.3% | 17.2% | 20.3% | 19.1% | 19.6% | 22.5% | 22.1% | 16.6% | 26.2% |
| — | +18.0% | +6.3% | -26.1% | -16.6% | -23.8% | -8.1% | +14.7% | -25.3% | -20.8% | -24.7% | -45.3% | -16.5% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.2% | 2.7% | 2.5% | 1.9% | 2.2% | 2.4% | 2.9% | 2.7% | 2.8% | 3.3% | 3.2% | 2.3% | 3.3% |
| — | +10.4% | -12.3% | -31.7% | -22.6% | -27.1% | -10.1% | +16.8% | -15.5% | -4.9% | -4.7% | -25.3% | +16.4% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.3% | 0.4% |
| — | +12.5% | -10.8% | -28.0% | -18.1% | -21.7% | -4.1% | +19.6% | -12.2% | -1.1% | -1.1% | -23.2% | +11.3% | |
| ROIC | 5.8% | 1.5% | 0.7% | 1.3% | 1.6% | 1.8% | 2.0% | 1.6% | 1.7% | 1.8% | 1.8% | 1.3% | 1.8% |
| — | -17.1% | -63.9% | -21.0% | -3.0% | -2.9% | +15.0% | +24.3% | -8.5% | -13.5% | -20.7% | -33.7% | -7.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Peoples Bancorp Inc.'s Debt/EBITDA ratio is 19.3x, down from 35.1x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 287.7% YoY to 0.84x, strengthening the short-term liquidity position. Debt/Equity has risen for 4 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.61 | 0.61 | 0.60 | 0.55 | 0.23 | 0.39 | 0.22 | 0.51 | 0.55 | 0.70 | 0.76 | 0.69 | 0.72 |
| — | +56.8% | +170.7% | +6.1% | -59.2% | -44.3% | -70.9% | -26.0% | -22.8% | -9.0% | +139.3% | +21.4% | +67.2% | |
| Debt / EBITDA | 5.45 | 19.34 | 35.12 | 21.21 | 7.63 | 11.46 | 5.72 | 14.33 | 14.44 | 15.68 | 17.24 | 23.07 | 16.53 |
| — | +68.7% | +513.9% | +48.0% | -47.2% | -26.9% | -66.8% | -37.9% | -12.6% | -6.2% | +151.4% | +73.1% | +49.3% | |
| Current Ratio | 0.84 | 0.84 | 2.41 | 0.07 | 0.21 | 0.22 | 0.24 | 0.23 | 0.25 | 0.25 | 0.23 | 0.22 | 0.24 |
| — | +287.7% | +916.1% | -69.1% | -16.2% | -11.7% | +5.2% | +7.3% | +5.0% | -4.0% | -14.8% | -30.4% | -23.4% | |
| Quick Ratio | 0.84 | 0.84 | 2.41 | 0.07 | 0.21 | 0.22 | 0.24 | 0.23 | 0.25 | 0.25 | 0.23 | 0.22 | 0.24 |
| — | +287.7% | +916.1% | -69.1% | -16.2% | -11.7% | +5.2% | +7.3% | +5.0% | -4.0% | -14.8% | -30.4% | -23.4% | |
| Interest Coverage | 0.85 | 0.96 | 0.41 | 0.71 | 0.80 | 0.82 | 0.91 | 0.81 | 0.92 | 1.18 | 1.34 | 1.26 | 2.98 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Peoples Bancorp Inc.'s current P/E is 12.2x. The average P/E over the last 4 quarters is 10.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Peoples Bancorp Inc.'s current operating margin is 21.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Peoples Bancorp Inc.'s business trajectory between earnings reports.