PEBO Financial Services

Peoples Bancorp Inc.

$38.96-1.37%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 1.4B USD
Full-time employees: 1,443

Overall health

About average: profitability, growth and valuation

Ranks #421 of 791 banks & insurance companies (bottom 47%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Stock pay outran buybacks. Stock-based pay expense $20M vs $7M spent repurchasing shares over the 3 fiscal years to 2025.
Over three fiscal years Peoples Bancorp recorded $20M of stock-based pay expense and spent $7M repurchasing shares (repurchases can include shares withheld to cover employees' taxes). Repurchases were smaller than the stock pay, so they did little to offset new employee shares.Over three fiscal years Peoples Bancorp recorded $20M of stock-based pay expense and spent $7M repurchasing shares. Repurchases were smaller than the stock pay, so they did little to offset new employee shares.
Annual revenue rose 5 years in a row. Fiscal-year revenue rose from $54M in 2020 to $87M in 2025.
Peoples Bancorp's fiscal-year revenue rose in each of the five years to 2025, from $54M to $87M.

StockQuotient Score

50/ 100

Oct 5 52 → Nov 4 50 (-2)

Valuation

Is the price right?

58/100

Moderate▼ 2 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 60 → 58

Share price +1.3%-1
Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield88.3%

SEC filings · latest balance sheetReported value40% base weight · Z-score 0.31Sector median: 0.7950 · MAD: 0.2843

Earnings yield8.4%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.22Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yield8.3%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield9.7%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

46/100

Moderate

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth12.6%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score -0.19Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth6.3%

SEC filings · 3 years to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth2.8%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

45/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.2%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.10Sector median: 0.0117 · MAD: 0.0062

Return on equity9.6%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.31Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating margin169.5%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentileInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Peoples Bancorp

Is Peoples Bancorp getting weaker?: Its latest SEC filing (Jul 30, 2026) showed no major changes. Its overall score is unchanged at 50/100 since Oct 28, 2026.
How is Peoples Bancorp valued vs its peers?: Priced about in line with its peers. Valuation scores 58/100 against 950 banks & insurance peers.
Is Peoples Bancorp growing?: At about the same pace as its peers. Growth scores 46/100 against 950 banks & insurance peers.
How profitable is Peoples Bancorp?: About as profitable as its peers. Profitability scores 45/100 against 950 banks & insurance peers.
How risky is Peoples Bancorp?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Jul 30, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	87.1M USD	87.9M USD	+0.9%
Net income (12 months)	111.4M USD	118.2M USD	+6.0%
Operating margin	161.6%	169.5%	+7.9 pts
Free cash flow (12 months)	130.5M USD	136.4M USD	+4.6%
Debt	691.3M USD	744.9M USD	+7.8%
Cash	190.4M USD	179.7M USD	−5.6%
Shares outstanding	35.9M	35.9M	+0.1%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Operating margin	92.8%	183.9%	182.5%	176.3%	155.4%	▼ 21 pts
Net margin	77.5%	144.8%	142.6%	138.3%	123.1%	▼ 15 pts
Return on assets (ROA)	0.7%	1.4%	1.2%	1.3%	1.1%	▼ 0.2 pts
Return on equity (ROE)	5.6%	12.9%	10.8%	10.5%	8.8%	▼ 1.7 pts
Debt to equity	0.31×	0.77×	0.82×	0.39×	0.61×	▲ 57%
Interest coverage	4.66×	7.98×	1.45×	0.87×	0.85×	▼ 2.4%

PEBO price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

About average: profitability, growth and valuation

Ranks #421 of 791 banks & insurance companies (bottom 47%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Stock pay outran buybacks. Stock-based pay expense $20M vs $7M spent repurchasing shares over the 3 fiscal years to 2025.

Over three fiscal years Peoples Bancorp recorded $20M of stock-based pay expense and spent $7M repurchasing shares (repurchases can include shares withheld to cover employees' taxes). Repurchases were smaller than the stock pay, so they did little to offset new employee shares.Over three fiscal years Peoples Bancorp recorded $20M of stock-based pay expense and spent $7M repurchasing shares. Repurchases were smaller than the stock pay, so they did little to offset new employee shares.

Annual revenue rose 5 years in a row. Fiscal-year revenue rose from $54M in 2020 to $87M in 2025.

Peoples Bancorp's fiscal-year revenue rose in each of the five years to 2025, from $54M to $87M.

Questions investors ask about Peoples Bancorp

Is Peoples Bancorp getting weaker?

Its latest SEC filing (Jul 30, 2026) showed no major changes. Its overall score is unchanged at 50/100 since Oct 28, 2026.

How is Peoples Bancorp valued vs its peers?

Priced about in line with its peers. Valuation scores 58/100 against 950 banks & insurance peers.

Is Peoples Bancorp growing?

At about the same pace as its peers. Growth scores 46/100 against 950 banks & insurance peers.

How profitable is Peoples Bancorp?

About as profitable as its peers. Profitability scores 45/100 against 950 banks & insurance peers.

How risky is Peoples Bancorp?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

87.1M USD

87.9M USD

+0.9%

Net income (12 months)

111.4M USD

118.2M USD

+6.0%

Operating margin

161.6%

169.5%

+7.9 pts

Free cash flow (12 months)

130.5M USD

136.4M USD

+4.6%

Debt

691.3M USD

744.9M USD

+7.8%

Cash

190.4M USD

179.7M USD

−5.6%

Shares outstanding

35.9M

35.9M

+0.1%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Operating margin

92.8%

183.9%

182.5%

176.3%

155.4%

▼ 21 pts

Net margin

77.5%

144.8%

142.6%

138.3%

123.1%

▼ 15 pts

Return on assets (ROA)

0.7%

1.4%

1.2%

1.3%

1.1%

▼ 0.2 pts

Return on equity (ROE)

5.6%

12.9%

10.8%

10.5%

8.8%

▼ 1.7 pts

Debt to equity

0.31×

0.77×

0.82×

0.39×

0.61×

▲ 57%

Interest coverage

4.66×

7.98×

1.45×

0.87×

0.85×

▼ 2.4%