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PEOPLES BANCORP INC (PEBO) Stock Fundamental Analysis

NASDAQ:PEBO - Nasdaq - US7097891011 - Common Stock - Currency: USD

28.145  -0.12 (-0.44%)

Fundamental Rating

4

Overall PEBO gets a fundamental rating of 4 out of 10. We evaluated PEBO against 392 industry peers in the Banks industry. There are concerns on the financial health of PEBO while its profitability can be described as average. PEBO has a valuation in line with the averages, but on the other hand it scores bad on growth. PEBO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

PEBO had positive earnings in the past year.
In the past year PEBO had a positive cash flow from operations.
Each year in the past 5 years PEBO has been profitable.
In the past 5 years PEBO always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

PEBO has a better Return On Assets (1.52%) than 90.05% of its industry peers.
PEBO has a better Return On Equity (12.33%) than 84.44% of its industry peers.
Industry RankSector Rank
ROA 1.52%
ROE 12.33%
ROIC N/A
ROA(3y)1.29%
ROA(5y)1.05%
ROE(3y)11.32%
ROE(5y)9.11%
ROIC(3y)N/A
ROIC(5y)N/A
PEBO Yearly ROA, ROE, ROICPEBO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

PEBO has a Profit Margin of 25.03%. This is comparable to the rest of the industry: PEBO outperforms 57.91% of its industry peers.
PEBO's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for PEBO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.03%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.89%
PM growth 5Y-0.04%
GM growth 3YN/A
GM growth 5YN/A
PEBO Yearly Profit, Operating, Gross MarginsPEBO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

PEBO does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PEBO has more shares outstanding
PEBO has more shares outstanding than it did 5 years ago.
PEBO has a better debt/assets ratio than last year.
PEBO Yearly Shares OutstandingPEBO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
PEBO Yearly Total Debt VS Total AssetsPEBO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

PEBO has a debt to FCF ratio of 0.92. This is a very positive value and a sign of high solvency as it would only need 0.92 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 0.92, PEBO is doing good in the industry, outperforming 76.02% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that PEBO is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.11, PEBO is in the better half of the industry, outperforming 67.60% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.92
Altman-Z N/A
ROIC/WACCN/A
WACC13.55%
PEBO Yearly LT Debt VS Equity VS FCFPEBO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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3

3. Growth

3.1 Past

The earnings per share for PEBO have decreased strongly by -17.05% in the last year.
The Earnings Per Share has been growing slightly by 5.44% on average over the past years.
PEBO shows a small growth in Revenue. In the last year, the Revenue has grown by 4.99%.
PEBO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.92% yearly.
EPS 1Y (TTM)-17.05%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%-28.05%
Revenue 1Y (TTM)4.99%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%3.75%

3.2 Future

PEBO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.92% yearly.
PEBO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.35% yearly.
EPS Next Y-4%
EPS Next 2Y0.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.13%
Revenue Next 2Y3.35%
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 decreasing.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
PEBO Yearly EPS VS EstimatesPEBO Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.64 indicates a reasonable valuation of PEBO.
Compared to the rest of the industry, the Price/Earnings ratio of PEBO indicates a somewhat cheap valuation: PEBO is cheaper than 79.85% 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 27.24.
With a Price/Forward Earnings ratio of 8.35, the valuation of PEBO can be described as very reasonable.
Based on the Price/Forward Earnings ratio, PEBO is valued a bit cheaper than the industry average as 74.23% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of PEBO to the average of the S&P500 Index (36.42), we can say PEBO is valued rather cheaply.
Industry RankSector Rank
PE 9.64
Fwd PE 8.35
PEBO Price Earnings VS Forward Price EarningsPEBO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PEBO is valued cheaper than 83.16% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.45
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

PEG (NY)N/A
PEG (5Y)1.77
EPS Next 2Y0.92%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

PEBO has a Yearly Dividend Yield of 5.73%, which is a nice return.
PEBO's Dividend Yield is rather good when compared to the industry average which is at 3.51. PEBO pays more dividend than 89.03% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, PEBO pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.73%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

40.27% 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 the earnings are growing slower. This means the dividend growth is not sustainable.
DP40.27%
EPS Next 2Y0.92%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 (8/5/2025, 11:27:51 AM)

28.145

-0.12 (-0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/bmo
Earnings (Next)10-20 2025-10-20/bmo
Inst Owners61.18%
Inst Owner Change-0.11%
Ins Owners3.01%
Ins Owner Change1.87%
Market Cap1.00B
Analysts73.85
Price Target33.66 (19.59%)
Short Float %2.12%
Short Ratio4.39
Dividend
Industry RankSector Rank
Dividend Yield 5.73%
Yearly Dividend1.58
Dividend Growth(5Y)4.15%
DP40.27%
Div Incr Years9
Div Non Decr Years13
Ex-Date08-04 2025-08-04 (0.41)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.81%
Min EPS beat(2)-8.66%
Max EPS beat(2)-0.96%
EPS beat(4)1
Avg EPS beat(4)-2.16%
Min EPS beat(4)-8.66%
Max EPS beat(4)5.85%
EPS beat(8)2
Avg EPS beat(8)-3.43%
EPS beat(12)6
Avg EPS beat(12)0.87%
EPS beat(16)8
Avg EPS beat(16)-7.79%
Revenue beat(2)0
Avg Revenue beat(2)-1.22%
Min Revenue beat(2)-2.28%
Max Revenue beat(2)-0.17%
Revenue beat(4)0
Avg Revenue beat(4)-1.28%
Min Revenue beat(4)-2.5%
Max Revenue beat(4)-0.17%
Revenue beat(8)3
Avg Revenue beat(8)-0.52%
Revenue beat(12)5
Avg Revenue beat(12)-0.34%
Revenue beat(16)5
Avg Revenue beat(16)-0.74%
PT rev (1m)0.51%
PT rev (3m)2.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.37%
Revenue NY rev (1m)0.97%
Revenue NY rev (3m)1.12%
Valuation
Industry RankSector Rank
PE 9.64
Fwd PE 8.35
P/S 1.79
P/FCF 7.45
P/OCF 7.15
P/B 0.88
P/tB 1.36
EV/EBITDA N/A
EPS(TTM)2.92
EY10.37%
EPS(NY)3.37
Fwd EY11.98%
FCF(TTM)3.78
FCFY13.42%
OCF(TTM)3.94
OCFY13.99%
SpS15.71
BVpS31.9
TBVpS20.68
PEG (NY)N/A
PEG (5Y)1.77
Profitability
Industry RankSector Rank
ROA 1.52%
ROE 12.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.03%
GM N/A
FCFM 24.05%
ROA(3y)1.29%
ROA(5y)1.05%
ROE(3y)11.32%
ROE(5y)9.11%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.89%
PM growth 5Y-0.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.92
Debt/EBITDA N/A
Cap/Depr 162.21%
Cap/Sales 1.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 96.06%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC13.55%
ROIC/WACCN/A
Cap/Depr(3y)200.12%
Cap/Depr(5y)128.88%
Cap/Sales(3y)2.24%
Cap/Sales(5y)2.32%
Profit Quality(3y)115.04%
Profit Quality(5y)179.67%
High Growth Momentum
Growth
EPS 1Y (TTM)-17.05%
EPS 3Y16.38%
EPS 5Y5.44%
EPS Q2Q%-28.05%
EPS Next Y-4%
EPS Next 2Y0.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.99%
Revenue growth 3Y22.88%
Revenue growth 5Y16.92%
Sales Q2Q%3.75%
Revenue Next Year3.13%
Revenue Next 2Y3.35%
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 1Y-6.81%
FCF growth 3Y-3.06%
FCF growth 5Y16.19%
OCF growth 1Y-7.66%
OCF growth 3Y-2.9%
OCF growth 5Y16.33%