Peoples Bancorp (PEBO) AI Stock Analysis

• Market Cap: $1.10B
• Dividend Yield: 5.2%
• Average Volume (3M): 195.04K
• Price to Earnings (P/E): 10.4
• Beta (1Y): 0.83
• Revenue Growth: 2.33%
• EPS Growth: -16.87%
• Country: US
• Employees: 1,460
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.60
• Shares Outstanding: 35,670,870
• 10 Day Avg. Volume: 166,422
• 30 Day Avg. Volume: 195,045
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.45
• Enterprise Value/Revenue: 2.61
• Enterprise Value/Gross Profit: 3.92
• Enterprise Value/Ebitda: 11.05
• 1Y Price Target: $34.00
• Price Target Upside: 9.11% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 71 Outperform
• Price Target: $33.00 ▲(5.91% Upside)

Peoples Bancorp's solid financial performance and attractive valuation are key strengths, supported by effective cash flow management and operational efficiency. Technical indicators suggest a neutral trend, while the earnings call presents a balanced view with both opportunities and challenges.

Peoples Bancorp Business Overview & Revenue Model

Company Description

Peoples Bancorp (PEBO) is a diversified financial services holding company headquartered in Marietta, Ohio. It primarily operates through its banking subsidiary, Peoples Bank, which offers a wide range of financial products and services to individuals and businesses. The company's sectors include retail banking, commercial banking, and wealth management, with core products such as checking and savings accounts, loans, mortgages, and investment services. Peoples Bancorp is focused on enhancing customer experiences through innovative financial solutions and a commitment to community engagement.

How the Company Makes Money

Peoples Bancorp generates revenue primarily through net interest income, which is derived from the difference between interest earned on loans and interest paid on deposits. Key revenue streams include personal and commercial loans, mortgages, and credit cards, as well as fees associated with deposit accounts and wealth management services. Additionally, the company earns non-interest income from various sources such as service charges, investment management fees, and insurance products. Strategic partnerships with local businesses and a focus on community lending initiatives also contribute to its earnings, enabling the bank to strengthen its market position and drive growth.

Peoples Bancorp Financial Statement Overview

Summary

Peoples Bancorp shows strong financial performance with robust revenue growth and profitability. The income statement is particularly strong, with high margins and efficient operations. The balance sheet is stable, though there is room for improvement in the equity ratio. Cash flow is healthy, supporting operational flexibility.

Income Statement

Peoples Bancorp has demonstrated strong revenue growth and profitability. The TTM revenue of $613.9 million marks a notable increase from the previous year. The gross profit margin remains robust at approximately 67.5%, and the net profit margin at 18.2% indicates solid profitability. The EBIT and EBITDA margins are both strong, reflecting efficient core operations.

Balance Sheet

The company's balance sheet shows adequate stability. The debt-to-equity ratio has improved to 0.23, indicating a lower leverage compared to previous periods. With a return on equity of 9.8% and an equity ratio of 12.3%, Peoples Bancorp maintains a stable financial position, although the equity ratio suggests room for improvement in asset financing.

Cash Flow

Peoples Bancorp exhibits a healthy cash flow situation. The operating cash flow to net income ratio is 1.25, indicating strong cash generation relative to profits. Despite a slight decline in free cash flow, the free cash flow to net income ratio remains favorable at 1.20, supporting operational flexibility and potential for reinvestment.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	612.32M	615.90M	522.50M	339.77M	244.30M	213.29M
Gross Profit	407.40M	419.04M	407.30M	327.17M	231.90M	168.85M
EBITDA	144.58M	152.98M	148.79M	145.96M	81.61M	68.28M
Net Income	58.61M	117.20M	113.36M	101.29M	47.55M	34.77M
Balance Sheet
Total Assets	9.54B	9.25B	9.16B	7.21B	7.06B	4.76B
Cash, Cash Equivalents and Short-Term Investments	189.64M	1.30B	1.48B	1.29B	1.69B	905.11M
Total Debt	629.25M	431.55M	733.74M	601.23M	265.96M	183.83M
Total Liabilities	8.39B	8.14B	8.10B	6.42B	6.22B	4.19B
Stockholders Equity	1.15B	1.11B	1.05B	785.33M	845.20M	575.67M
Cash Flow
Free Cash Flow	153.77M	136.37M	130.19M	113.09M	149.74M	81.18M
Operating Cash Flow	159.05M	143.19M	143.64M	119.84M	156.42M	85.48M
Investing Cash Flow	-401.89M	-344.31M	-132.93M	-414.21M	-74.43M	-393.92M
Financing Cash Flow	193.05M	-7.94M	261.99M	32.67M	181.64M	345.34M

Peoples Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 31.16
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 31.16 is above the 20-day moving average (MA) of 29.33, above the 50-day MA of 29.84, and above the 200-day MA of 30.23, indicating a bullish trend. The MACD of 0.33 indicates Negative momentum. The RSI at 63.83 is Neutral, neither overbought nor oversold. The STOCH value of 87.21 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PEBO.

Peoples Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BFC	81 Outperform	$1.28B	18.65	11.22%	4.03%	17.15%	-12.46%
PFBC	79 Outperform	$1.26B	9.88	17.20%	3.10%	-2.96%	-6.62%
FSUN	74 Outperform	$1.04B	11.94	8.48%	―	6.59%	-3.66%
RBCAA	74 Outperform	$1.34B	11.99	12.34%	2.23%	8.97%	27.79%
OBK	74 Outperform	$1.21B	17.20	6.08%	1.54%	-4.48%	-14.67%
PEBO	71 Outperform	$1.10B	10.44	9.25%	5.20%	2.33%	-16.87%
Sector *	68 Neutral	$17.82B	11.90	10.30%	3.72%	9.69%	0.80%

Peoples Bancorp Corporate Events

Peoples Bancorp Plans Investor Meetings in August 2025

Between July 28, 2025, and September 30, 2025, Peoples Bancorp Inc. plans to hold meetings with investors and analysts. The management team, including key executives, will utilize an investor presentation to communicate the company’s financial data and business performance, aiming to enhance stakeholders’ understanding of Peoples’ operations.

Peoples Bancorp Declares Quarterly Dividend Amid Income Drop

On July 22, 2025, Peoples Bancorp announced a quarterly dividend of $0.41 per common share, declared on July 21, 2025. The company reported a net income of $21.2 million for the second quarter of 2025, a decrease from the previous quarter and the same quarter in 2024. Despite the decline in net income, Peoples experienced strong loan growth and an increase in net interest margin. However, the provision for credit losses increased significantly, impacting earnings per share. The company’s balance sheet showed an increase in loan balances but a decrease in deposit balances.