PEBO Stock Analysis: Peoples Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.407m USD | 12M Return: 27.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 8.95M
EPS Trend: -88.7%
Qual. Beats: 0
Rev. Trend: 74.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Peoples Bancorp Inc. (PEBO) is a financial holding company that operates Peoples Bank, providing a comprehensive suite of commercial and consumer banking products and services. The company, founded in 1902 and headquartered in Marietta, Ohio, operates as a regional bank within the U.S. Financials sector. As a community-focused institution, it emphasizes relationship-based banking with a diversified product mix spanning traditional deposit and lending services, digital banking channels, insurance, wealth management, and payment processing solutions.
The companys core banking activities include accepting a wide range of deposit products (demand, savings, money market, certificates of deposit, and governmental deposits) and originating commercial, industrial, commercial real estate, construction, residential real estate, and consumer loans, including home equity lines of credit. Like most regional banks, PEBO generates revenue primarily through net interest income (the spread between loan yields and deposit costs) supplemented by fee-based services such as treasury management and payment processing.
Beyond traditional banking, Peoples Bancorp has built a diversified fee-income stream through insurance offerings (life, health, property and casualty, and premium financing), fiduciary and trust services, asset management, employee benefit and retirement plan administration, and equipment leasing. The company also offers debit and ATM cards, credit cards, merchant payment processing, and person-to-person and business-to-business payment services, alongside digital and interactive teller machine banking. Brokerage services are provided through an unaffiliated registered broker-dealer arrangement, a common model that allows regional banks to offer investment products without maintaining full broker-dealer infrastructure.
- Net interest margin expansion lifts profitability amid stable Fed rates
- Commercial real estate loan portfolio faces credit quality headwinds
- Insurance and wealth management fee income diversifies revenue mix
| Net Income: 111.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.18 > 1.0 |
| NWC/Revenue: -1.34k% < 20% (prev -993.3%; Δ -347.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 135.0m > Net Income 111.4m |
| Net Debt (579.0m) to EBITDA (128.3m): 4.51 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (35.5m) vs 12m ago 0.53% < -2% |
| Gross Margin: 66.96% > 18% (prev 67.54%; Δ -0.58% > 0.5%) |
| Asset Turnover: 6.34% > 50% (prev 6.64%; Δ -0.30% > 0%) |
| Interest Coverage Ratio: 0.77 > 6 (EBIT TTM 119.9m / Interest Expense TTM 156.2m) |
| A: -0.83 (Total Current Assets 112.3m - Total Current Liabilities 8.14b) / Total Assets 9.65b |
| B: 0.05 (Retained Earnings 451.1m / Total Assets 9.65b) |
| C: 0.01 (EBIT TTM 119.9m / Avg Total Assets 9.45b) |
| D: 0.14 (Book Value of Equity 1.22b / Total Liabilities 8.43b) |
| Altman-Z'' = -5.07 = D |
As of July 08, 2026, the stock is trading at USD 38.48 with a total of 144,200 shares traded. Over the past week, the price has changed by +1.48%, over one month by +8.70%, over three months by +15.72% and over the past year by +27.87%.
Current recommended Stop Loss: 37.50 (which is 2.5% or 1.3 ATR below the current price).
Peoples Bancorp has received a consensus analysts rating of 3.43. Therefore, it is recommended to hold PEBO.
- StrongBuy: 1
- Buy: 1
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 38.2 | -0.8% |
P/E Trailing = 12.5513
P/E Forward = 9.8039
P/S = 3.3181
P/B = 1.1347
P/EG = 1.4537
Revenue TTM = 598.9m USD
EBIT TTM = 119.9m USD
EBITDA TTM = 128.3m USD
Long Term Debt = 185.4m USD (from longTermDebt, last quarter)
Short Term Debt = 505.9m USD (from shortTermDebt, last quarter)
Debt = 691.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 579.0m USD (calculated: Debt 691.3m - CCE 112.3m)
Enterprise Value = 1.99b USD (1.41b + Debt 691.3m - CCE 112.3m)
Interest Coverage Ratio = 0.77 (Ebit TTM 119.9m / Interest Expense TTM 156.2m)
EV/FCF = 16.06x (Enterprise Value 1.99b / FCF TTM 123.6m)
FCF Yield = 6.23% (FCF TTM 123.6m / Enterprise Value 1.99b)
FCF Margin = 20.64% (FCF TTM 123.6m / Revenue TTM 598.9m)
Net Margin = 18.61% (Net Income TTM 111.4m / Revenue TTM 598.9m)
Gross Margin = 66.96% ((Revenue TTM 598.9m - Cost of Revenue TTM 197.9m) / Revenue TTM)
Gross Margin QoQ = 70.28% (prev 69.68%)
Tobins Q-Ratio = 0.21 (Enterprise Value 1.99b / Total Assets 9.65b)
Interest Expense / Debt = 22.59% (Interest Expense 156.2m / Debt 691.3m)
Taxrate = 20.83% (29.3m / 140.8m)
NOPAT = 95.0m (EBIT 119.9m * (1 - 20.83%))
Current Ratio = 0.01 (Total Current Assets 112.3m / Total Current Liabilities 8.14b)
Debt / Equity = 0.57 (Debt 691.3m / totalStockholderEquity, last quarter 1.22b)
Debt / EBITDA = 4.51 (Net Debt 579.0m / EBITDA 128.3m)
Debt / FCF = 4.68 (Net Debt 579.0m / FCF TTM 123.6m)
Total Stockholder Equity = 1.19b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.18% (Net Income 111.4m / Total Assets 9.65b)
RoE = 9.37% (Net Income TTM 111.4m / Total Stockholder Equity 1.19b)
RoCE = 8.72% (EBIT 119.9m / Capital Employed (Equity 1.19b + L.T.Debt 185.4m))
RoIC = 0.99% (NOPAT 95.0m / Invested Capital 9.62b)
WACC = 11.51% (E(1.41b)/V(2.10b) * Re(8.37%) + D(691.3m)/V(2.10b) * Rd(22.59%) * (1-Tc(0.21)))
Discount Rate = 8.37% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 95.56 | Cagr: 0.50%
[DCF] Terminal Value 63.71% ; FCFF base≈128.1m ; Y1≈119.7m ; Y5≈109.8m
[DCF] Fair Price = 15.57 (EV 1.14b - Net Debt 579.0m = Equity 559.2m / Shares 35.9m; r=11.51% [WACC]; 5y FCF grow -8.26% → 2.50% )
EPS Correlation: -88.71 | EPS CAGR: -11.13% | SUE: 0.37 | # QB: 0
Revenue Correlation: 74.67 | Revenue CAGR: 11.22% | SUE: 0.62 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.84 | Chg30d=+0.00% | Revisions=+22% | Analysts=7
EPS next Quarter (2026-09-30): EPS=0.86 | Chg30d=+0.00% | Revisions=+29% | Analysts=7
EPS current Year (2026-12-31): EPS=3.42 | Chg30d=-0.26% | Revisions=+22% | GrowthEPS=+8.6% | GrowthRev=+6.8%
EPS next Year (2027-12-31): EPS=3.72 | Chg30d=+0.19% | Revisions=+67% | GrowthEPS=+8.9% | GrowthRev=+7.6%
[Analyst] Revisions Ratio: +48% (up=17, down=5)