Peoples Bancorp (PEBO) AI Stock Analysis

• Market Cap: $1.01B
• Dividend Yield: 5.74%
• Average Volume (3M): 197.58K
• Price to Earnings (P/E): 9.6
• Beta (1Y): 0.84
• Revenue Growth: 2.33%
• EPS Growth: -16.87%
• Country: US
• Employees: 1,460
• Sector: Financial
• Sector Strength: 67
• Industry: Banks - Regional
• EPS (TTM): 0.60
• Shares Outstanding: 35,670,870
• 10 Day Avg. Volume: 226,184
• 30 Day Avg. Volume: 197,580
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.59
• Enterprise Value/Revenue: 2.60
• Enterprise Value/Gross Profit: 3.85
• Enterprise Value/Ebitda: 10.40
• 1Y Price Target: $34.00
• Price Target Upside: 20.40% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 76 Outperform
• Price Target: $34.00 ▲(20.40% Upside)

Peoples Bancorp's strong financial performance and reasonable valuation are the primary drivers of its favorable score. While the earnings call highlighted positive operational improvements, concerns about charge-offs and credit provisions add a cautious note. Technical indicators suggest a neutral trend, contributing to a balanced overall assessment.

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 shows strong financial performance with consistent revenue growth and high profitability margins. The balance sheet demonstrates stability with improved debt metrics, although there's room for enhancing the equity ratio. Cash flow remains robust, 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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	615.90M	522.50M	339.77M	244.30M	213.29M
Gross Profit	419.04M	407.30M	327.17M	231.90M	168.85M
EBITDA	152.98M	148.79M	145.96M	81.61M	68.28M
Net Income	117.20M	113.36M	101.29M	47.55M	34.77M
Balance Sheet
Total Assets	9.25B	9.16B	7.21B	7.06B	4.76B
Cash, Cash Equivalents and Short-Term Investments	1.30B	1.48B	1.29B	1.69B	905.11M
Total Debt	431.55M	733.74M	601.23M	265.96M	183.83M
Total Liabilities	8.14B	8.10B	6.42B	6.22B	4.19B
Stockholders Equity	1.11B	1.05B	785.33M	845.20M	575.67M
Cash Flow
Free Cash Flow	136.37M	130.19M	113.09M	149.74M	81.18M
Operating Cash Flow	143.19M	143.64M	119.84M	156.42M	85.48M
Investing Cash Flow	-344.31M	-132.93M	-414.21M	-74.43M	-393.92M
Financing Cash Flow	-7.94M	261.99M	32.67M	181.64M	345.34M

Peoples Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 28.24
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 28.24 is below the 20-day moving average (MA) of 29.52, below the 50-day MA of 29.62, and below the 200-day MA of 30.22, indicating a bearish trend. The MACD of -0.56 indicates Positive momentum. The RSI at 37.89 is Neutral, neither overbought nor oversold. The STOCH value of 22.07 is Neutral, 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
BFC	81 Outperform	$1.16B	16.98	11.24%	4.54%	17.31%	-12.46%
PFBC	79 Outperform	$1.22B	9.62	17.20%	3.28%	-2.96%	-7.14%
PEBO	76 Outperform	$1.01B	9.63	9.25%	5.74%	2.33%	-16.87%
FSUN	76 Outperform	$971.11M	10.95	8.48%	―	6.14%	-3.66%
OBK	74 Outperform	$1.11B	16.02	6.08%	1.70%	-4.22%	-14.67%
RBCAA	74 Outperform	$1.19B	10.82	12.34%	2.53%	9.00%	27.47%
Sector *	62 Neutral	AU$10.23B	9.27	11.82%	5.04%	33.79%	41.40%

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.

The most recent analyst rating on (PEBO) stock is a Hold with a $33.00 price target. To see the full list of analyst forecasts on Peoples Bancorp stock, see the PEBO Stock Forecast page.

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.

The most recent analyst rating on (PEBO) stock is a Hold with a $36.00 price target. To see the full list of analyst forecasts on Peoples Bancorp stock, see the PEBO Stock Forecast page.