Peoples Bancorp Inc. (PEBO)
NASDAQ:PEBO
Top Page
Peoples Bancorp
(NASDAQ:PEBO)
Select Model
Select Model
Rating:74Outperform
Price Target:
$37.00
▲(9.31% Upside)
Action:ReiteratedDate:02/27/26
PEBO scores well on financial performance and valuation, led by solid profitability/cash generation and an attractive low P/E with a ~5% dividend yield. Technicals are moderately positive with the stock above key moving averages, while the earnings call supports cautious optimism but keeps the score in check due to ongoing credit-loss headwinds and NIM pressure from lower accretion income.
Positive Factors
Strong cash generation and free cash flow quality
Consistent operating cash flow and FCF that closely track net income provide durable funding for dividends, technology investments, and loan loss absorption. This cash generation supports capital allocation flexibility and underpins earnings quality across economic cycles despite some historical variability.
Negative Factors
Elevated credit losses and rising provisions
Higher provisions and rising allowance indicate persistent credit stress that compresses earnings and consumes capital. If charge-offs remain elevated, sustained provisioning will reduce distributable earnings and limit capital deployment until asset quality demonstrably improves.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation and free cash flow quality
Consistent operating cash flow and FCF that closely track net income provide durable funding for dividends, technology investments, and loan loss absorption. This cash generation supports capital allocation flexibility and underpins earnings quality across economic cycles despite some historical variability.
Read all positive factors
Peoples Bancorp (PEBO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.22B
Dividend Yield5.3%
Average Volume (3M)273.08K
Price to Earnings (P/E)8.3
Beta (1Y)0.81
Revenue Growth0.11%
EPS Growth-18.63%
CountryUS
Employees1,460
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.96
Shares Outstanding35,917,290
10 Day Avg. Volume345,840
30 Day Avg. Volume273,084
Financial Highlights & Ratios
PEG Ratio-1.06
Price to Book (P/B)0.87
Price to Sales (P/S)1.70
P/FCF Ratio8.16
Enterprise Value/Market Cap1.44
Enterprise Value/Revenue2.96
Enterprise Value/Gross Profit4.48
Enterprise Value/Ebitda14.55
Forecast
1Y Price Target
$35.00Price Target Upside3.40% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.39
Revenue Forecast (FY)$479.08M
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 marke...
How the Company Makes Money
Peoples Bancorp generates revenue primarily through interest income earned on loans and investment securities, as well as non-interest income from various services. Key revenue streams include interest from commercial loans, residential mortgages,...
Peoples Bancorp Earnings Call Summary
Earnings Call Date:Jan 20, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 21, 2026
Earnings Call Sentiment Positive
The call balanced encouraging operating and capital trends—EPS beat, solid full-year loan growth (6%), fee income growth, improved regulatory capital ratios, targeted reductions in higher-risk leasing exposure, and immediate funding-cost savings from subordinated debt redemption—against persistent credit-related headwinds, notably elevated net charge-offs (44 bps annualized), a higher provision for credit losses ($8.1M in Q4), NIM pressure driven by a significant year-over-year decline in accretion income, and some one-time losses. Management provided constructive 2026 guidance (NIM ~4.2% including one 25 bps cut, fee-based income $28–30M quarterly, loan growth 3–5%, and expected reduction in net charge-offs), and emphasized ongoing investments and capital flexibility, indicating a cautious but optimistic outlook.Positive Updates
Quarterly EPS Beat and Growth
Diluted EPS of $0.89 for Q4, a 7% increase versus the linked quarter and slightly above consensus of $0.88.
Negative Updates
Elevated Credit Losses and Provision
Provision for credit losses of $8.1M in Q4 driven largely by net charge-offs; allowance for credit losses rose to 1.12% of total loans from 1.00% at prior year-end.
Read all updates
Q4-2025 Updates
Positive
Negative
Quarterly EPS Beat and Growth
Diluted EPS of $0.89 for Q4, a 7% increase versus the linked quarter and slightly above consensus of $0.88.
Read all positive updates
Company Guidance
Management guided 2026 to deliver positive operating leverage (ex‑non‑core) with a full‑year net interest margin around 4.2% assuming one 25‑bp Fed cut (each 25‑bp cut is expected to reduce NIM ~3–4 bps) and accretion contributing roughly 5 bps; quarterly fee‑based income is expected to be $28–30 million (Q1 typically higher), quarterly total non‑interest expense $72–74 million (Q1 elevated), loan growth of 3–5% versus 2025, and a slight reduction in net charge‑offs (improving provision for credit losses absent adverse economic changes); this guidance excludes non‑core items.Peoples Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
67
Positive
Cash Flow
76
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 618.38M | 615.90M | 522.50M | 339.77M | 244.30M |
| Gross Profit | 417.15M | 419.04M | 407.30M | 327.17M | 231.33M |
| EBITDA | 134.81M | 152.98M | 148.79M | 145.96M | 81.61M |
| Net Income | 106.78M | 117.20M | 113.36M | 101.29M | 47.55M |
Balance Sheet | |||||
| Total Assets | 9.65B | 9.25B | 9.16B | 7.21B | 7.06B |
| Cash, Cash Equivalents and Short-Term Investments | 188.95M | 1.30B | 1.48B | 1.29B | 1.69B |
| Total Debt | 734.42M | 431.55M | 733.74M | 601.23M | 265.96M |
| Total Liabilities | 8.44B | 8.14B | 8.10B | 6.42B | 6.22B |
| Stockholders Equity | 1.21B | 1.11B | 1.05B | 785.33M | 845.02M |
Cash Flow | |||||
| Free Cash Flow | 128.70M | 136.37M | 130.19M | 113.09M | 149.74M |
| Operating Cash Flow | 134.73M | 143.19M | 143.64M | 119.84M | 156.42M |
| Investing Cash Flow | -424.45M | -344.31M | -132.93M | -414.21M | -74.43M |
| Financing Cash Flow | 261.01M | -7.94M | 261.99M | 32.67M | 181.64M |
Peoples Bancorp Technical Analysis
Positive
33.85
Price Trends
32.56
Positive
31.29
Positive
30.17
Positive
Market Momentum
0.26
Negative
66.64
Neutral
90.58
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PEBO, the sentiment is Positive. The current price of 33.85 is above the 20-day moving average (MA) of 32.15, above the 50-day MA of 32.56, and above the 200-day MA of 30.17, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 66.64 is Neutral, neither overbought nor oversold. The STOCH value of 90.58 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PEBO.
Peoples Bancorp Risk Analysis
Peoples Bancorp disclosed 40 risk factors in its most recent earnings report. Peoples Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Peoples Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $1.31B | 9.79 | 5.08% | 1.56% | -6.29% | -21.17% | |
74 Outperform | $1.22B | 8.28 | 9.13% | 5.30% | 0.11% | -18.63% | |
72 Outperform | $1.13B | 9.33 | 11.96% | 3.44% | 9.93% | 17.67% | |
72 Outperform | $1.68B | 10.56 | 8.28% | ― | 4.44% | 3.19% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $1.16B | 6.42 | 11.20% | 3.39% | 9.55% | 27.32% | |
60 Neutral | $1.06B | 14.52 | 4.77% | 4.05% | -2.15% | -25.32% |
* Financial Sector Average
PEBO
Peoples Bancorp
33.85
8.20
31.99%
OCFC
Oceanfirst Financial
18.41
4.22
29.69%
TMP
Tompkins Financial Corporation
80.69
26.24
48.18%
CTBI
Community Bancorp
62.52
17.77
39.72%
OBK
Origin Bancorp
42.43
13.24
45.33%
FSUN
FirstSun Capital Bancorp
36.06
3.00
9.07%
Peoples Bancorp Corporate Events
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
Peoples Bancorp Plans Investor Meetings and Presentation Updates
Neutral
Feb 2, 2026
Between February 2, 2026 and March 31, 2026, Peoples Bancorp Inc.’s senior management plans to hold one or more meetings with investors and analysts, using an investor presentation that provides financial data and other information about the...
Business Operations and StrategyExecutive/Board ChangesDividendsFinancial Disclosures
Peoples Bancorp Reports Strong Q4 Results and Dividend
Positive
Jan 20, 2026
On January 20, 2026, Peoples Bancorp Inc. reported that net income for the fourth quarter of 2025 rose to $31.8 million, or $0.89 per diluted share, up from $29.5 million in the prior quarter and $26.9 million a year earlier, driven by positive op...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.