PEOPLES BANCORP INC (PEBO) Fundamental Analysis & Valuation

NASDAQ:PEBO • US7097891011

32.965 USD
+0.07 (+0.2%)
Last: Mar 4, 2026, 12:27 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This PEBO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Taking everything into account, PEBO scores 3 out of 10 in our fundamental rating. PEBO was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of PEBO have multiple concerns. PEBO has a decent growth rate and is not valued too expensively. PEBO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. PEBO Profitability Analysis

1.1 Basic Checks

  • PEBO had positive earnings in the past year.
  • PEBO had a positive operating cash flow in the past year.
  • PEBO had positive earnings in each of the past 5 years.
  • PEBO had a positive operating cash flow in 4 of the past 5 years.
PEBO Yearly Net Income VS EBIT VS OCF VS FCFPEBO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • PEBO has a better Return On Assets (1.05%) than 63.32% of its industry peers.
  • The Return On Equity of PEBO (8.54%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.05%
ROE 8.54%
ROIC N/A
ROA(3y)1.19%
ROA(5y)1.13%
ROE(3y)9.97%
ROE(5y)9.67%
ROIC(3y)N/A
ROIC(5y)N/A
PEBO Yearly ROA, ROE, ROICPEBO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • PEBO's Profit Margin of 22.26% is on the low side compared to the rest of the industry. PEBO is outperformed by 60.16% of its industry peers.
  • In the last couple of years the Profit Margin of PEBO has grown nicely.
  • PEBO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 22.26%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.78%
PM growth 5Y6.29%
GM growth 3YN/A
GM growth 5YN/A
PEBO Yearly Profit, Operating, Gross MarginsPEBO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. PEBO Health Analysis

2.1 Basic Checks

  • PEBO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • PEBO has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, PEBO has more shares outstanding
  • PEBO has a worse debt/assets ratio than last year.
PEBO Yearly Shares OutstandingPEBO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
PEBO Yearly Total Debt VS Total AssetsPEBO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of PEBO is 2.89, which is a good value as it means it would take PEBO, 2.89 years of fcf income to pay off all of its debts.
  • PEBO has a Debt to FCF ratio of 2.89. This is in the lower half of the industry: PEBO underperforms 61.21% of its industry peers.
  • PEBO has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
  • PEBO has a better Debt to Equity ratio (0.09) than 69.66% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 2.89
Altman-Z N/A
ROIC/WACCN/A
WACC13.05%
PEBO Yearly LT Debt VS Equity VS FCFPEBO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PEBO Yearly Current Assets VS Current LiabilitesPEBO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. PEBO Growth Analysis

3.1 Past

  • The earnings per share for PEBO have decreased by -9.67% in the last year.
  • Measured over the past years, PEBO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.31% on average per year.
  • The Revenue for PEBO has decreased by -18.05% in the past year. This is quite bad
  • The Revenue has been growing by 17.79% on average over the past years. This is quite good.
EPS 1Y (TTM)-9.67%
EPS 3Y-5.91%
EPS 5Y11.31%
EPS Q2Q%17.11%
Revenue 1Y (TTM)-18.05%
Revenue growth 3Y11.4%
Revenue growth 5Y17.79%
Sales Q2Q%5.1%

3.2 Future

  • Based on estimates for the next years, PEBO will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.67% on average per year.
  • The Revenue is expected to grow by 3.41% on average over the next years.
EPS Next Y15.34%
EPS Next 2Y9.67%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.85%
Revenue Next 2Y3.41%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PEBO Yearly Revenue VS EstimatesPEBO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
PEBO Yearly EPS VS EstimatesPEBO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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6

4. PEBO Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.03 indicates a reasonable valuation of PEBO.
  • 66.23% of the companies in the same industry are more expensive than PEBO, based on the Price/Earnings ratio.
  • PEBO is valuated cheaply when we compare the Price/Earnings ratio to 26.83, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 9.56, the valuation of PEBO can be described as very reasonable.
  • PEBO's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. PEBO is cheaper than 68.07% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.95. PEBO is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.03
Fwd PE 9.56
PEBO Price Earnings VS Forward Price EarningsPEBO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PEBO indicates a somewhat cheap valuation: PEBO is cheaper than 75.99% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.83
EV/EBITDA N/A
PEBO Per share dataPEBO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • PEBO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.72
PEG (5Y)0.97
EPS Next 2Y9.67%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. PEBO Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.94%, PEBO is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.72, PEBO pays a better dividend. On top of this PEBO pays more dividend than 89.45% of the companies listed in the same industry.
  • PEBO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.94%

5.2 History

  • The dividend of PEBO has a limited annual growth rate of 4.15%.
  • PEBO has been paying a dividend for at least 10 years, so it has a reliable track record.
  • PEBO has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.15%
Div Incr Years9
Div Non Decr Years13
PEBO Yearly Dividends per sharePEBO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 56.95% of the earnings are spent on dividend by PEBO. This is a bit on the high side, but may be sustainable.
  • The dividend of PEBO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP56.95%
EPS Next 2Y9.67%
EPS Next 3YN/A
PEBO Yearly Income VS Free CF VS DividendPEBO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
PEBO Dividend Payout.PEBO Dividend Payout, showing the Payout Ratio.PEBO Dividend Payout.PayoutRetained Earnings

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PEBO Fundamentals: All Metrics, Ratios and Statistics

PEOPLES BANCORP INC

NASDAQ:PEBO (3/4/2026, 12:27:59 PM)

32.965

+0.07 (+0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners60.92%
Inst Owner Change2.59%
Ins Owners3.03%
Ins Owner Change4.09%
Market Cap1.18B
Revenue(TTM)459.31M
Net Income(TTM)100.97M
Analysts75
Price Target35.53 (7.78%)
Short Float %3.25%
Short Ratio3.93
Dividend
Industry RankSector Rank
Dividend Yield 4.94%
Yearly Dividend1.58
Dividend Growth(5Y)4.15%
DP56.95%
Div Incr Years9
Div Non Decr Years13
Ex-Date02-02
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-13.22%
Min EPS beat(2)-25.02%
Max EPS beat(2)-1.42%
EPS beat(4)0
Avg EPS beat(4)-9.01%
Min EPS beat(4)-25.02%
Max EPS beat(4)-0.96%
EPS beat(8)2
Avg EPS beat(8)-4.21%
EPS beat(12)4
Avg EPS beat(12)-3.57%
EPS beat(16)8
Avg EPS beat(16)2.79%
Revenue beat(2)0
Avg Revenue beat(2)-2.2%
Min Revenue beat(2)-3.52%
Max Revenue beat(2)-0.87%
Revenue beat(4)0
Avg Revenue beat(4)-1.71%
Min Revenue beat(4)-3.52%
Max Revenue beat(4)-0.17%
Revenue beat(8)1
Avg Revenue beat(8)-1.56%
Revenue beat(12)3
Avg Revenue beat(12)-0.96%
Revenue beat(16)5
Avg Revenue beat(16)-0.77%
PT rev (1m)3.47%
PT rev (3m)5.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.46%
EPS NY rev (3m)0.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.77%
Valuation
Industry RankSector Rank
PE 11.03
Fwd PE 9.56
P/S 2.6
P/FCF 8.83
P/OCF 8.45
P/B 1
P/tB 1.5
EV/EBITDA N/A
EPS(TTM)2.99
EY9.07%
EPS(NY)3.45
Fwd EY10.46%
FCF(TTM)3.73
FCFY11.32%
OCF(TTM)3.9
OCFY11.84%
SpS12.7
BVpS33.12
TBVpS22.05
PEG (NY)0.72
PEG (5Y)0.97
Graham Number47.2
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 8.54%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.26%
GM N/A
FCFM 29.38%
ROA(3y)1.19%
ROA(5y)1.13%
ROE(3y)9.97%
ROE(5y)9.67%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.78%
PM growth 5Y6.29%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 2.89
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.35%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 131.97%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.05%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-9.67%
EPS 3Y-5.91%
EPS 5Y11.31%
EPS Q2Q%17.11%
EPS Next Y15.34%
EPS Next 2Y9.67%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-18.05%
Revenue growth 3Y11.4%
Revenue growth 5Y17.79%
Sales Q2Q%5.1%
Revenue Next Year3.85%
Revenue Next 2Y3.41%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y7.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y4.18%
OCF growth 3YN/A
OCF growth 5YN/A

PEOPLES BANCORP INC / PEBO FAQ

What is the ChartMill fundamental rating of PEOPLES BANCORP INC (PEBO) stock?

ChartMill assigns a fundamental rating of 3 / 10 to PEBO.


What is the valuation status for PEBO stock?

ChartMill assigns a valuation rating of 6 / 10 to PEOPLES BANCORP INC (PEBO). This can be considered as Fairly Valued.


How profitable is PEOPLES BANCORP INC (PEBO) stock?

PEOPLES BANCORP INC (PEBO) has a profitability rating of 3 / 10.


What are the PE and PB ratios of PEOPLES BANCORP INC (PEBO) stock?

The Price/Earnings (PE) ratio for PEOPLES BANCORP INC (PEBO) is 11.03 and the Price/Book (PB) ratio is 1.


Can you provide the financial health for PEBO stock?

The financial health rating of PEOPLES BANCORP INC (PEBO) is 1 / 10.