Peoples Bancorp (PEBO) AI Stock Analysis

• Market Cap: $1.12B
• Dividend Yield: 5.22%
• Average Volume (3M): 160.70K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.85
• Revenue Growth: 7.34%
• EPS Growth: -4.94%
• Country: US
• Employees: 1,460
• Sector: Financial
• Sector Strength: 75
• Industry: Banks - Regional
• EPS (TTM): 0.69
• Shares Outstanding: 35,645,824
• 10 Day Avg. Volume: 155,332
• 30 Day Avg. Volume: 160,701
• PEG Ratio: -1.89
• Price to Book (P/B): 0.89
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.67
• Enterprise Value/Market Cap: 0.98
• Enterprise Value/Revenue: 0.45
• Enterprise Value/Gross Profit: 2.66
• Enterprise Value/Ebitda: 1.69
• 1Y Price Target: $33.00
• Price Target Upside: 5.03% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 74 Outperform
• Price Target: $33.00 ▲(5.03%Upside)

Peoples Bancorp's strong financial performance and attractive valuation are key strengths, supported by robust margins and a compelling dividend yield. The earnings call reflects balanced sentiment, with growth in loans and deposits offset by concerns over net interest income declines. Technical analysis indicates limited momentum.

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 an improved equity base. The balance sheet reflects reduced leverage and enhanced equity, contributing to financial stability. However, challenges in cash flow generation, particularly in operating cash flow, need attention.

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	613.91M	615.90M	522.50M	339.77M	244.30M	213.29M
Gross Profit	414.62M	419.04M	407.30M	327.17M	231.90M	168.85M
EBITDA	153.57M	152.98M	148.79M	145.96M	81.61M	68.28M
Net Income	111.96M	117.20M	113.36M	101.29M	47.55M	34.77M
Balance Sheet
Total Assets	9.25B	9.25B	9.16B	7.21B	7.06B	4.76B
Cash, Cash Equivalents and Short-Term Investments	1.26B	1.30B	1.48B	1.29B	1.69B	905.11M
Total Debt	256.23M	431.55M	733.74M	601.23M	265.96M	183.83M
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	140.45M	143.19M	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: Positive
• Last Price: 31.42
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 31.42 is above the 20-day moving average (MA) of 30.98, above the 50-day MA of 30.26, and above the 200-day MA of 30.63, indicating a bullish trend. The MACD of 0.50 indicates Positive momentum. The RSI at 60.41 is Neutral, neither overbought nor oversold. The STOCH value of 36.60 is Neutral, 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
PFBC	78 Outperform	$1.22B	9.87	17.21%	3.28%	0.94%	-8.61%
RBCAA	76 Outperform	$1.27B	12.11	11.98%	2.48%	12.35%	27.46%
BFC	76 Outperform	$1.19B	17.58	10.82%	1.50%	18.79%	-11.25%
PEBO	74 Outperform	$1.12B	10.04	10.12%	5.22%	7.34%	-4.94%
OBK	74 Outperform	$1.17B	15.68	6.75%	1.60%	0.76%	-7.88%
FSUN	73 Outperform	$1.05B	12.29	8.55%	―	8.74%	-11.36%
Sector *	68 Neutral	$16.73B	11.75	9.79%	3.76%	11.87%	-7.97%

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.