PEBO Stock Analysis: Peoples Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.388m USD | 12M Return: 35.7% | US7097891011 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 15.8M
EPS Trend: -43.5%
Qual. Beats: 2
Rev. Trend: 57.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Peoples Bancorp Inc. (PEBO) is a Marietta, Ohio-based financial holding company that operates Peoples Bank, providing a broad suite of commercial and consumer banking products and services. Founded in 1902 and publicly traded since 1993, the company accepts a range of deposits-including demand, savings, money market, certificates of deposit, and governmental accounts-and originates commercial, industrial, real estate, construction, residential, and consumer loans, along with home equity lines of credit and overdraft facilities. Distribution channels include debit and ATM cards, safe deposit rentals, money orders, cashiers checks, and digital banking via online, telephone, and mobile platforms.
Beyond traditional banking, PEBO generates fee-based revenue through insurance offerings (life, health, and property and casualty), third-party insurance administration, interactive teller machines, insurance premium financing, equipment leasing, fiduciary and trust services, and asset management and administration. The company also provides employee benefit, retirement, and healthcare plan administration, brokerage services through an unaffiliated registered broker-dealer, and credit card and payment processing solutions for individuals, businesses, and merchants.
As a small-cap regional bank within the Financials sector, PEBO competes primarily in its local and regional markets, where community banks typically differentiate through relationship-based service and diversified fee income streams. Its mix of traditional lending alongside insurance, wealth management, and payment processing reflects a common strategy among regional banks seeking to reduce reliance on net interest margin and deepen customer wallet share.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio faces credit quality headwinds
- Insurance and wealth management fees diversify noninterest income
| Net Income: 122.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.31 > 1.0 |
| NWC/Revenue: -991.6% < 20% (prev 115.3%; Δ -1.11k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 174.6m > Net Income 122.4m |
| Net Debt (-1.12b) to EBITDA (161.3m): -6.97 < 3 |
| Current Ratio: 0.24 > 1.5 & < 3 |
| Outstanding Shares: last quarter (35.7m) vs 12m ago 0.74% < -2% |
| Gross Margin: 71.35% > 18% (prev 65.89%; Δ 5.46% > 0.5%) |
| Asset Turnover: 6.44% > 50% (prev 6.16%; Δ 0.28% > 0%) |
| Interest Coverage Ratio: 1.05 > 6 (EBIT TTM 154.0m / Interest Expense TTM 147.0m) |
| A: -0.64 (Total Current Assets 1.99b - Total Current Liabilities 8.15b) / Total Assets 9.65b |
| B: 0.05 (Retained Earnings 481.4m / Total Assets 9.65b) |
| C: 0.02 (EBIT TTM 154.0m / Avg Total Assets 9.64b) |
| D: 0.15 (Book Value of Equity 1.23b / Total Liabilities 8.42b) |
| Altman-Z'' = -3.76 = D |
As of November 13, 2026, the stock is trading at USD 38.27 with a total of 308,943 shares traded. Over the past week, the price has changed by -1.26%, over one month by +7.15%, over three months by -6.04% and over the past year by +35.69%.
Current recommended Stop Loss: 37.10 (which is 3.1% 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 | 42.8 | 11.9% |
P/E Trailing = 11.4201
P/E Forward = 9.8039
P/S = 3.1363
P/B = 1.1298
P/EG = 1.4537
Revenue TTM = 621.1m USD
EBIT TTM = 154.0m USD
EBITDA TTM = 161.3m USD
Long Term Debt = 155.1m USD (from longTermDebt, last quarter)
Short Term Debt = 704.1m USD (from shortTermDebt, last quarter)
Debt = 859.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.12b USD (calculated: Debt 859.2m - CCE 1.98b)
Enterprise Value = 263.2m USD (1.39b + Debt 859.2m - CCE 1.98b)
Interest Coverage Ratio = 1.05 (Ebit TTM 154.0m / Interest Expense TTM 147.0m)
EV/FCF = 1.61x (Enterprise Value 263.2m / FCF TTM 164.0m)
FCF Yield = 62.28% (FCF TTM 164.0m / Enterprise Value 263.2m)
FCF Margin = 26.40% (FCF TTM 164.0m / Revenue TTM 621.1m)
Net Margin = 19.70% (Net Income TTM 122.4m / Revenue TTM 621.1m)
Gross Margin = 71.35% ((Revenue TTM 621.1m - Cost of Revenue TTM 178.0m) / Revenue TTM)
Gross Margin QoQ = 75.20% (prev 70.28%)
Tobins Q-Ratio = 0.03 (Enterprise Value 263.2m / Total Assets 9.65b)
Interest Expense / Debt = 17.10% (Interest Expense 147.0m / Debt 859.2m)
Taxrate = 20.56% (31.7m / 154.0m)
NOPAT = 122.4m (EBIT 154.0m * (1 - 20.56%))
Current Ratio = 0.24 (Total Current Assets 1.99b / Total Current Liabilities 8.15b)
Debt / Equity = 0.70 (Debt 859.2m / totalStockholderEquity, last quarter 1.23b)
Debt / EBITDA = -6.97 (Net Debt -1.12b / EBITDA 161.3m)
Debt / FCF = -6.86 (Net Debt -1.12b / FCF TTM 164.0m)
Total Stockholder Equity = 1.22b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.27% (Net Income 122.4m / Total Assets 9.65b)
RoE = 10.02% (Net Income TTM 122.4m / Total Stockholder Equity 1.22b)
RoCE = 11.19% (EBIT 154.0m / Capital Employed (Equity 1.22b + L.T.Debt 155.1m))
RoIC = 5.62% (NOPAT 122.4m / Invested Capital 2.18b)
WACC = 9.58% (E(1.39b)/V(2.25b) * Re(7.10%) + D(859.2m)/V(2.25b) * Rd(17.10%) * (1-Tc(0.21)))
Discount Rate = 7.10% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 98.46 | Cagr: 0.69%
[DCF] Terminal Value 74.09% ; FCFF base≈151.7m ; Y1≈173.9m ; Y5≈255.9m
[DCF] Fair Price = 119.3 (EV 3.16b - Net Debt -1.12b = Equity 4.29b / Shares 36.0m; r=9.58% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -43.53 | EPS CAGR: -5.10% | SUE: 1.36 | # QB: 2
Revenue Correlation: 57.87 | Revenue CAGR: 3.05% | SUE: 0.52 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.88 | Chg30d=-2.99% | Revisions=-30% | Analysts=7
EPS current Year (2026-12-31): EPS=3.76 | Chg30d=+3.22% | Revisions=+70% | GrowthEPS=+19.4% | GrowthRev=+7.1%
EPS next Year (2027-12-31): EPS=4.18 | Chg30d=+7.77% | Revisions=+70% | GrowthEPS=+11.4% | GrowthRev=+55.9%
[Analyst] Revisions Ratio: +46% (up=16, down=5)