PEOPLES BANCORP INC (PEBO) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:PEBO • US7097891011

33.78 USD
+0.72 (+2.18%)
At close: Feb 4, 2026
33.78 USD
0 (0%)
After Hours: 2/4/2026, 8:00:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PEBO. PEBO was compared to 383 industry peers in the Banks industry. PEBO has a bad profitability rating. Also its financial health evaluation is rather negative. 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. Profitability

1.1 Basic Checks

  • In the past year PEBO was profitable.
  • PEBO had a positive operating cash flow in the past year.
  • PEBO had positive earnings in each of the past 5 years.
  • Of the past 5 years PEBO 4 years had a positive operating cash flow.
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

  • The Return On Assets of PEBO (1.05%) is better than 64.49% of its industry peers.
  • With a Return On Equity value of 8.54%, PEBO perfoms like the industry average, outperforming 46.21% of the companies in the same 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

  • With a Profit Margin value of 22.26%, PEBO perfoms like the industry average, outperforming 40.73% of the companies in the same industry.
  • PEBO's Profit Margin has improved in the last couple of years.
  • 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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1

2. Health

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
  • The debt/assets ratio for PEBO is higher compared to a year ago.
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

  • PEBO has a debt to FCF ratio of 2.89. This is a good value and a sign of high solvency as PEBO would need 2.89 years to pay back of all of its debts.
  • The Debt to FCF ratio of PEBO (2.89) is worse than 61.36% of its industry peers.
  • A Debt/Equity ratio of 0.09 indicates that PEBO is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.09, PEBO is in the better half of the industry, outperforming 69.97% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 2.89
Altman-Z N/A
ROIC/WACCN/A
WACC13.14%
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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4

3. Growth

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.
  • Looking at the last year, PEBO shows a very negative growth in Revenue. The Revenue has decreased by -18.05% in the last year.
  • PEBO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.79% yearly.
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

  • PEBO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.54% yearly.
  • PEBO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.41% yearly.
EPS Next Y14.82%
EPS Next 2Y9.54%
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

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • 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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.30, the valuation of PEBO can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of PEBO indicates a somewhat cheap valuation: PEBO is cheaper than 75.20% of the companies listed in the same industry.
  • PEBO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.25.
  • A Price/Forward Earnings ratio of 9.84 indicates a reasonable valuation of PEBO.
  • PEBO's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. PEBO is cheaper than 75.20% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of PEBO to the average of the S&P500 Index (27.50), we can say PEBO is valued rather cheaply.
Industry RankSector Rank
PE 11.3
Fwd PE 9.84
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

  • Based on the Price/Free Cash Flow ratio, PEBO is valued a bit cheaper than the industry average as 79.11% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.05
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)0.76
PEG (5Y)1
EPS Next 2Y9.54%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.13%, PEBO is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.64, PEBO pays a better dividend. On top of this PEBO pays more dividend than 92.69% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, PEBO pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.13%

5.2 History

  • The dividend of PEBO has a limited annual growth rate of 4.15%.
  • PEBO has paid a dividend for at least 10 years, which is a reliable track record.
  • PEBO has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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

  • PEBO pays out 56.95% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • PEBO's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP56.95%
EPS Next 2Y9.54%
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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PEOPLES BANCORP INC

NASDAQ:PEBO (2/4/2026, 8:00:00 PM)

After market: 33.78 0 (0%)

33.78

+0.72 (+2.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners60.92%
Inst Owner Change-0.03%
Ins Owners3.03%
Ins Owner Change0.59%
Market Cap1.21B
Revenue(TTM)459.31M
Net Income(TTM)100.97M
Analysts73.85
Price Target34.34 (1.66%)
Short Float %2.76%
Short Ratio3.91
Dividend
Industry RankSector Rank
Dividend Yield 5.13%
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)0%
PT rev (3m)1.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.03%
Revenue NY rev (1m)1.23%
Revenue NY rev (3m)0.36%
Valuation
Industry RankSector Rank
PE 11.3
Fwd PE 9.84
P/S 2.66
P/FCF 9.05
P/OCF 8.65
P/B 1.02
P/tB 1.53
EV/EBITDA N/A
EPS(TTM)2.99
EY8.85%
EPS(NY)3.43
Fwd EY10.16%
FCF(TTM)3.73
FCFY11.05%
OCF(TTM)3.9
OCFY11.56%
SpS12.71
BVpS33.13
TBVpS22.05
PEG (NY)0.76
PEG (5Y)1
Graham Number47.21
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
WACC13.14%
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 Y14.82%
EPS Next 2Y9.54%
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 11.3 and the Price/Book (PB) ratio is 1.02.


Can you provide the financial health for PEBO stock?

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