(PEBO) Peoples Bancorp - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.234m USD | Total Return: 23.7% in 12m
Avg Turnover: 6.43M
EPS Trend: -76.9%
Qual. Beats: 0
Rev. Trend: 74.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Peoples Bancorp Inc. (PEBO) is a financial holding company headquartered in Marietta, Ohio, operating through its subsidiary, Peoples Bank. Founded in 1902, the institution provides a diversified suite of commercial and consumer banking products, including demand deposits, real estate lending, and equipment leasing. Its business model extends beyond traditional interest income by generating fee-based revenue through insurance brokerage, fiduciary services, and asset management.
As a regional bank, Peoples Bancorp relies on the net interest margin-the difference between interest earned on loans and interest paid on deposits-to drive profitability. The company also maintains a significant presence in specialized financial services, such as insurance premium financing and third-party administration, which helps diversify its risk profile away from pure credit exposure. For a more granular look at these revenue drivers, visit ValueRay.
- Net interest margin sensitivity to Federal Reserve benchmark rate fluctuations
- Strategic acquisition integration drives non-interest expense and scale efficiencies
- Commercial and industrial loan growth sustains regional market share expansion
- Fee-based income diversification through insurance and wealth management services
- Asset quality stability across Midwest commercial real estate and leasing portfolios
| Net Income: 111.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.22 > 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 (129.1m): 4.48 < 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 0.68%; Δ 6.63k% > 0.5%) |
| Asset Turnover: 6.34% > 50% (prev 6.64%; Δ -0.30% > 0%) |
| Interest Coverage Ratio: 0.77 > 6 (EBITDA TTM 129.1m / 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 120.8m / Avg Total Assets 9.45b) |
| D: 0.15 (Book Value of Equity 1.24b / Total Liabilities 8.43b) |
| Altman-Z'' = -5.07 = D |
| DSRI: 17.32 (Receivables 6.68b/395.5m, Revenue 598.9m/613.9m) |
| GMI: 1.01 (GM 66.96% / 67.54%) |
| AQI: 1.21 (AQ_t 0.98 / AQ_t-1 0.81) |
| SGI: 0.98 (Revenue 598.9m / 613.9m) |
| TATA: -0.00 (NI 111.4m - CFO 135.0m) / TA 9.65b) |
| Beneish M = 10.52 (Cap -4..+1) = D |
As of May 24, 2026, the stock is trading at USD 34.62 with a total of 167,844 shares traded.
Over the past week, the price has changed by +4.57%,
over one month by +3.08%,
over three months by +7.52% and
over the past year by +23.73%.
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 | 37.3 | 7.8% |
P/E Forward = 9.8039
P/S = 2.9114
P/B = 0.995
P/EG = 1.4537
Revenue TTM = 598.9m USD
EBIT TTM = 120.8m USD
EBITDA TTM = 129.1m 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 = 1.81b USD (1.23b + Debt 691.3m - CCE 112.3m)
Interest Coverage Ratio = 0.77 (Ebit TTM 120.8m / Interest Expense TTM 156.2m)
EV/FCF = 18.51x (Enterprise Value 1.81b / FCF TTM 98.0m)
FCF Yield = 5.40% (FCF TTM 98.0m / Enterprise Value 1.81b)
FCF Margin = 16.36% (FCF TTM 98.0m / 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 = 0.19 (Enterprise Value 1.81b / Total Assets 9.65b)
Interest Expense / Debt = 22.59% (Interest Expense 156.2m / Debt 691.3m)
Taxrate = 22.33% (8.34m / 37.3m)
NOPAT = 93.8m (EBIT 120.8m * (1 - 22.33%))
Current Ratio = 0.01 (Total Current Assets 112.3m / Total Current Liabilities 15.8b)
Debt / Equity = 0.57 (Debt 691.3m / totalStockholderEquity, last quarter 1.22b)
Debt / EBITDA = 4.48 (Net Debt 579.0m / EBITDA 129.1m)
Debt / FCF = 5.91 (Net Debt 579.0m / FCF TTM 98.0m)
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 = 8.79% (EBIT 120.8m / Capital Employed (Equity 1.19b + L.T.Debt 185.4m))
RoIC = 0.98% (NOPAT 93.8m / Invested Capital 9.57b)
WACC = 11.92% (E(1.23b)/V(1.93b) * Re(8.76%) + D(691.3m)/V(1.93b) * Rd(22.59%) * (1-Tc(0.22)))
Discount Rate = 8.76% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 95.56 | Cagr: 0.50%
[DCF] Terminal Value 61.27% ; FCFF base≈104.4m ; Y1≈92.4m ; Y5≈76.1m
[DCF] Fair Price = 5.33 (EV 770.4m - Net Debt 579.0m = Equity 191.4m / Shares 35.9m; r=11.92% [WACC]; 5y FCF grow -14.00% → 2.50% )
EPS Correlation: -76.90 | EPS CAGR: -5.46% | SUE: 0.42 | # 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=+0.86% | Revisions=+20% | Analysts=7
EPS next Quarter (2026-09-30): EPS=0.85 | Chg30d=-2.21% | Revisions=+25% | Analysts=6
EPS current Year (2026-12-31): EPS=3.43 | Chg30d=+1.09% | Revisions=+20% | GrowthEPS=+8.9% | GrowthRev=+6.8%
EPS next Year (2027-12-31): EPS=3.72 | Chg30d=+4.67% | Revisions=+60% | GrowthEPS=+8.4% | GrowthRev=+7.5%
[Analyst] Revisions Ratio: +60%