Peoples Bancorp (PEBO) AI Stock Analysis

• Market Cap: $1.04B
• Dividend Yield: 5.63%
• Average Volume (3M): 111.76K
• Price to Earnings (P/E): 9.2
• Beta (1Y): 0.82
• Revenue Growth: 7.34%
• EPS Growth: -4.94%
• Country: US
• Employees: 1,460
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 0.69
• Shares Outstanding: 35,645,824
• 10 Day Avg. Volume: 108,343
• 30 Day Avg. Volume: 111,759
• PEG Ratio: 1.38
• Price to Book (P/B): 1.17
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 10.84
• Enterprise Value/Market Cap: 1.19
• Enterprise Value/Revenue: 0.57
• Enterprise Value/Gross Profit: 3.65
• Enterprise Value/Ebitda: 2.87
• 1Y Price Target: $32.50
• Price Target Upside: 12.11% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 71 Outperform
• Price Target: $32.00 ▲(10.38%Upside)

Peoples Bancorp's overall stock score is driven by strong financial performance and attractive valuation, making it a potentially appealing choice for value and income-focused investors. However, bearish technical indicators and challenges highlighted in the earnings call, such as declining net interest income and increased provisions for credit losses, weigh on the score.

Peoples Bancorp Business Overview & Revenue Model

Company Description

Peoples Bancorp Inc. operates as the holding company for Peoples Bank that provides commercial and retail banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and provides commercial and industrial, commercial real estate, construction, finance, residential real estate, and consumer indirect and direct loans, as well as home equity lines of credit and overdrafts. It also offers debit and automated teller machine (ATM) cards; safe deposit rental facilities; money orders and cashier's checks; and telephone, mobile, and Internet-based banking services. In addition, the company provides various life, health, and property and casualty insurance products; third-party insurance administration; insurance premium financing; commercial and technology equipment leasing; fiduciary and trust; underwriting, origination and servicing of equipment leases, and equipment financing agreements; and asset management and administration services, as well as employee benefit, retirement, and health care plan administration services. Further, it offers brokerage services through an unaffiliated registered broker-dealers; insurance premium finance lending and lease financing services; and credit cards to individuals and businesses, as well as provides merchant credit card transaction processing, and person-to-person payment processing services. The company operates through 135 financial service offices and ATMs, including 119 full-service branches in Ohio, West Virginia, Kentucky, Virginia, Washington, D.C., and Maryland. Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio.

How the Company Makes Money

Peoples Bancorp generates revenue primarily through the net interest income obtained from its banking operations. This income is derived from the difference between the interest earned on loans and securities and the interest paid on deposits and other borrowings. Additional revenue streams include fees collected from various banking services, such as account maintenance, transaction processing, and overdraft services. The company also earns money from its wealth management and insurance services, which involve fees from investment advisory and brokerage services. Peoples Bancorp's earnings are further supported by strategic partnerships and acquisitions that expand its service offerings and customer base.

Peoples Bancorp Financial Statement Overview

Summary

Peoples Bancorp demonstrates a robust financial position with strong revenue growth and improved equity base. The balance sheet reflects reduced leverage and enhanced equity, contributing to financial stability. Although cash flow generation has faced challenges, the company maintains positive free cash flow, underscoring its ability to support operations and growth.

Income Statement

Peoples Bancorp has shown a positive revenue growth rate over the years, with a significant increase in total revenue from $195 million in 2020 to $520 million in 2024. The Gross Profit Margin remains healthy at 100%, indicating efficient management of costs relative to revenue. Net Profit Margin has improved slightly, reflecting better cost control and operational efficiency. However, the absence of EBITDA data in the latest year limits the assessment of operating profitability.

Balance Sheet

The company's Debt-to-Equity ratio has improved, showing a reduction in leverage from previous years. Stockholders' equity increased significantly from $575 million in 2020 to $1.1 billion in 2024, indicating strong financial health and stability. The Equity Ratio has strengthened, supporting the company's capital structure and reducing financial risk.

Cash Flow

Operating Cash Flow has decreased from previous years, indicating potential challenges in cash generation from core operations. Free Cash Flow remains positive, but the growth rate has seen fluctuations. The Free Cash Flow to Net Income ratio is favorable, suggesting efficient cash conversion. However, the decline in operating cash flow warrants attention.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
490.18M	443.83M	411.21M	320.93M	231.90M	195.11M
	Gross Profit
338.56M	443.83M	422.33M	320.93M	231.90M	195.11M
	EBIT
151.40M	149.63M	213.25M	154.31M	58.66M	42.65M
	EBITDA
108.61M	0.00	164.07M	145.96M	81.61M	68.28M
	Net Income Common Stockholders
111.71M	117.20M	113.36M	101.29M	47.55M	34.77M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.20B	1.19B	1.48B	1.29B	1.69B	905.11M
	Total Assets
9.25B	9.25B	9.16B	7.21B	7.07B	4.76B
	Total Debt
256.23M	413.18M	585.24M	601.23M	265.96M	183.83M
	Net Debt
50.02M	195.52M	158.52M	447.21M	-151.91M	31.73M
	Total Liabilities
8.11B	8.14B	8.10B	6.42B	6.22B	4.19B
	Stockholders Equity
1.14B	1.11B	1.05B	785.33M	845.20M	575.67M
Cash Flow		Free Cash Flow
134.75M	136.37M	130.19M	113.09M	149.74M	81.18M
	Operating Cash Flow
139.83M	142.56M	143.64M	119.84M	156.42M	85.48M
	Investing Cash Flow
-238.87M	-344.31M	-132.93M	-414.21M	-74.43M	-393.92M
	Financing Cash Flow
-144.32M	-7.94M	261.99M	32.67M	181.64M	345.34M

Peoples Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 28.99
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PEBO, the sentiment is Negative. The current price of 28.99 is below the 20-day moving average (MA) of 29.42, below the 50-day MA of 29.09, and below the 200-day MA of 30.47, indicating a bearish trend. The MACD of -0.09 indicates Positive momentum. The RSI at 44.43 is Neutral, neither overbought nor oversold. The STOCH value of 16.67 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PEBO.

Peoples Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFBC	76 Outperform	$1.08B	8.53	17.21%	3.73%	0.94%	-8.61%
RBCAA	74 Outperform	$1.19B	11.40	11.98%	2.63%	12.35%	27.46%
BFC	73 Outperform	$1.11B	16.40	10.82%	37.64%	18.79%	-11.25%
PEBO	71 Outperform	$1.04B	9.21	10.12%	5.63%	7.34%	-4.94%
OBK	70 Outperform	$1.08B	14.22	6.75%	1.73%	0.76%	-7.88%
Sector *	64 Neutral	$12.73B	9.92	7.90%	78.88%	12.06%	-7.95%
FSUN	62 Neutral	$927.69M	10.82	8.55%	―	8.74%	-11.36%

Peoples Bancorp Corporate Events

Peoples Bancorp Schedules Investor Meetings for Insights

Between April 29, 2025, and June 30, 2025, Peoples Bancorp Inc. plans to hold meetings with investors and analysts, led by its top executives. These meetings will utilize an investor presentation to provide insights into the company’s business and financial performance.