Peoples Bancorp (PEBO) AI Stock Analysis

• Market Cap: $1.08B
• Dividend Yield: 5.21%
• Average Volume (3M): 136.64K
• Price to Earnings (P/E): 10.3
• Beta (1Y): 0.82
• Revenue Growth: 2.33%
• EPS Growth: -16.87%
• Country: US
• Employees: 1,460
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.60
• Shares Outstanding: 35,670,870
• 10 Day Avg. Volume: 111,843
• 30 Day Avg. Volume: 136,641
• 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: 1.49
• Enterprise Value/Revenue: 2.61
• Enterprise Value/Gross Profit: 3.92
• Enterprise Value/Ebitda: 11.05
• 1Y Price Target: $34.33
• Price Target Upside: 10.35% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 73 Outperform
• Price Target: $35.00 ▲(12.50% Upside)

Peoples Bancorp's overall stock score reflects a solid financial performance with strong profitability and cash flow management. The stock's valuation is attractive with a reasonable P/E ratio and high dividend yield. Technical indicators suggest a positive trend. However, challenges highlighted in the earnings call, such as elevated charge-offs and increased provisions for credit losses, slightly temper the overall outlook.

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 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 demonstrates a solid financial foundation with strong profitability margins and effective cash flow management. While the decline in revenue growth is a concern, 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	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	197.02M	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	845.02M	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: 31.11
• 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 31.11 is above the 20-day moving average (MA) of 30.64, above the 50-day MA of 29.98, and above the 200-day MA of 29.99, indicating a bullish trend. The MACD of 0.15 indicates Positive momentum. The RSI at 58.68 is Neutral, neither overbought nor oversold. The STOCH value of 44.32 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	79 Outperform	1.24B	9.72	17.12%	3.11%	-2.96%	-6.62%
BFC	77 Outperform	1.24B	18.23	11.30%	4.06%	17.15%	-12.46%
RBCAA	74 Outperform	1.31B	11.86	10.22%	2.28%	8.97%	27.79%
PEBO	73 Outperform	$1.08B	10.30	9.25%	5.21%	2.33%	-16.87%
OBK	69 Neutral	1.11B	15.90	5.80%	1.63%	-4.48%	-14.67%
FSUN	69 Neutral	1.06B	12.57	8.10%	―	6.59%	-3.66%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

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.