Peoples Bancorp (PEBO) AI Stock Analysis

• Market Cap: $1.13B
• Dividend Yield: 5.16%
• Average Volume (3M): 161.14K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 0.83
• Revenue Growth: 0.11%
• EPS Growth: -18.63%
• Country: US
• Employees: 1,460
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.94
• Shares Outstanding: 35,702,965
• 10 Day Avg. Volume: 173,545
• 30 Day Avg. Volume: 161,139
• PEG Ratio: -2.71
• Price to Book (P/B): 0.99
• Price to Sales (P/S): 1.79
• P/FCF Ratio: 8.08
• Enterprise Value/Market Cap: 1.47
• Enterprise Value/Revenue: 2.80
• Enterprise Value/Gross Profit: 4.25
• Enterprise Value/Ebitda: 13.82
• 1Y Price Target: $33.17
• Price Target Upside: 5.07% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $34.00 ▲(7.70% Upside)

Peoples Bancorp's overall stock score is driven by its strong valuation and positive technical indicators. While financial performance shows solid profitability, challenges in revenue and cash flow growth need addressing. The earnings call and corporate events provide a mixed outlook, with strong loan growth and dividends offset by some financial setbacks.

Positive Factors

Loan Growth

Strong loan growth indicates robust demand for the company's lending services, enhancing revenue potential and market position in the banking sector.

Efficiency Ratio Improvement

Improved efficiency ratio reflects better cost management, which can lead to sustained profitability and competitive advantage in the long term.

Book Value Growth

Growth in book value per share indicates strengthening of the company's financial foundation, enhancing shareholder value and financial stability.

Negative Factors

Revenue Growth Challenges

Declining revenue growth can hinder the company's ability to expand and compete, potentially affecting long-term profitability and market share.

Investment Securities Loss

Losses from investment securities can impact earnings and reflect potential issues in asset management, affecting financial performance and investor confidence.

Increase in Criticized and Classified Loans

Rising criticized and classified loans indicate potential credit risk, which could lead to higher provisions and affect future profitability.

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 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, and consumer loans, which constitute a significant portion of their earnings. Additionally, the company earns fees from services such as deposit accounts, wealth management, and mortgage origination. Significant partnerships with local businesses and community organizations enhance their ability to attract and retain customers, thereby contributing to their overall financial performance. Economic conditions, interest rates, and regulatory factors also play a crucial role in shaping the company’s revenue generation capabilities.

Peoples Bancorp Financial Statement Overview

Summary

Peoples Bancorp demonstrates a solid financial foundation with strong profitability margins and effective cash flow management. Despite a concerning decline in revenue growth, the company maintains operational efficiency and a stable balance sheet. Continued focus on revenue growth and debt management will be crucial for sustaining long-term financial health.

Income Statement

Peoples Bancorp's income statement shows mixed results. The TTM (Trailing-Twelve-Months) data indicates a decline in revenue growth rate by 25.9%, which is concerning. However, the company maintains a healthy gross profit margin of 66.5% and a net profit margin of 9.6%. The EBIT and EBITDA margins are also robust at 21.98% and 23.61%, respectively, suggesting operational efficiency despite revenue challenges.

Balance Sheet

The balance sheet reflects a stable financial position with a manageable debt-to-equity ratio of 0.55 in the TTM period. The return on equity is moderate at 5.18%, indicating reasonable profitability. The equity ratio stands at 12.08%, suggesting a solid equity base relative to total assets. However, the increase in total debt over the years could pose a risk if not managed carefully.

Cash Flow

Cash flow analysis shows positive trends with a 14.11% growth in free cash flow in the TTM period. The operating cash flow to net income ratio is 0.40, and the free cash flow to net income ratio is 0.97, indicating strong cash generation relative to earnings. These metrics suggest effective cash flow management, supporting the company's financial flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	592.79M	615.90M	522.50M	339.77M	244.30M	213.29M
Gross Profit	390.58M	419.04M	407.30M	327.17M	231.33M	168.85M
EBITDA	120.29M	152.98M	148.79M	145.96M	81.61M	68.28M
Net Income	101.95M	117.20M	113.36M	101.29M	47.55M	34.77M
Balance Sheet
Total Assets	9.62B	9.25B	9.16B	7.21B	7.06B	4.76B
Cash, Cash Equivalents and Short-Term Investments	1.17B	1.30B	1.48B	1.29B	1.69B	905.11M
Total Debt	710.87M	431.55M	733.74M	601.23M	265.96M	183.83M
Total Liabilities	8.44B	8.14B	8.10B	6.42B	6.22B	4.19B
Stockholders Equity	1.18B	1.11B	1.05B	785.33M	845.02M	575.67M
Cash Flow
Free Cash Flow	133.25M	136.37M	130.19M	113.09M	149.74M	81.18M
Operating Cash Flow	139.36M	143.19M	143.64M	119.84M	156.42M	85.48M
Investing Cash Flow	-621.09M	-344.31M	-132.93M	-414.21M	-74.43M	-393.92M
Financing Cash Flow	388.24M	-7.94M	261.99M	32.67M	181.64M	345.34M

Peoples Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 31.57
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 31.57 is above the 20-day moving average (MA) of 30.08, above the 50-day MA of 29.30, and above the 200-day MA of 29.05, indicating a bullish trend. The MACD of 0.64 indicates Negative momentum. The RSI at 70.81 is Negative, neither overbought nor oversold. The STOCH value of 89.63 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
TMP	78 Outperform	$1.09B	12.81	11.20%	3.32%	9.55%	27.32%
CTBI	77 Outperform	$1.11B	11.82	11.72%	3.33%	9.93%	17.67%
PEBO	77 Outperform	$1.13B	11.05	8.75%	5.16%	0.11%	-18.63%
FSUN	76 Outperform	$1.07B	12.18	8.28%	―	4.44%	3.19%
OCFC	75 Outperform	$1.16B	15.55	4.77%	3.96%	-2.15%	-25.32%
OBK	74 Outperform	$1.21B	20.48	5.08%	1.54%	-6.29%	-21.17%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Peoples Bancorp Corporate Events

Peoples Bancorp Announces Investor Meetings in November

Peoples Bancorp Inc. announced that its management team, including the President and CEO, along with the Executive Vice President, CFO, and Treasurer, plans to hold meetings with investors and analysts between November 3, 2025, and December 31, 2025. These meetings aim to enhance understanding of the company’s business and financial performance through an investor presentation, which is part of a Current Report on Form 8-K.

Peoples Bancorp Declares Quarterly Dividend Amid Strong Earnings

On October 21, 2025, Peoples Bancorp announced a quarterly dividend of $0.41 per common share, declared on October 20, 2025. For the third quarter of 2025, the company reported a net income of $29.5 million, with earnings per diluted share of $0.83, showing an improvement from the previous quarter’s $21.2 million. The quarter saw high loan growth, improved financial metrics, and a decrease in the provision for credit losses to $7.3 million. However, non-interest income decreased slightly, and there were net losses from asset sales. The company’s financial performance reflects its strategic focus on loan growth and managing credit risks, impacting its market positioning and stakeholder interests.