PEOPLES BANCORP INC PEBO

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Peoples Bancorp Inc. is a financial holding company, which was organized in 1980. Peoples operates principally through its wholly-owned subsidiary, Peoples Bank, an Ohio state-chartered bank that was first chartered in 1902. Peoples' other wholly-owned operating subsidiary is Peoples Investment Company ("PIC"). Peoples also holds all of the common securities of NB&T Statutory Trust III, FNB Capital Trust One, Ascencia Statutory Trust I, and Porter Statutory Trusts II-IV. Peoples Bank's operating subsidiaries include Peoples Insurance Agency, LLC ("Peoples Insurance") and Vantage Financial, LLC ("Vantage"), a nationwide provider of equipment financing.

Peoples makes available a complete line of commercial and consumer banking, trust and investment, insurance, premium financing solutions, equipment leases and equipment financing agreements through its financial subsidiaries – Peoples Bank, Peoples Insurance and Vantage. These products and services include the following:

Last close 38.20 2026-10-23
Market cap $1.37B 2026-06-30 share count
52-week range 28.01 - 42.29

Valuation FY2025 figures against the last close

P/S15.8x
P/E12.8x
P/FCF10.7x
EV/EBITDA12.9x
Dividend yield4.2%
Diluted EPS2.99

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $86.7M$84.8M$79.5M$70.0M$184.8M$157.1M$170.1M$151.3M$126.5M$115.4M
Operating income $134.8M$149.5M$145.1M$128.6M$57.0M$42.6M$65.4M$54.9M$57.2M$45.3M
Interest expense $355.2M$348.7M$339.4M$253.4M$12.2M$18.2M$29.3M$21.7M$13.1M$10.6M
Pre-tax income $134.8M$149.5M$145.1M$128.6M$57.0M$42.6M$65.4M$54.9M$57.2M$45.3M
Income tax $28.0M$32.3M$31.8M$27.3M$9.4M$7.9M$11.7M$8.7M$18.7M$14.1M
Net income $106.8M$117.2M$113.4M$101.3M$47.6M$34.8M$53.7M$46.3M$38.5M$31.2M
EPS, basic 3.033.343.463.612.171.742.652.422.121.72
EPS, diluted 2.993.313.443.602.151.732.632.412.101.71
Shares, diluted (wtd. avg.) 35.4M35.1M32.8M28.0M22.0M19.8M20.3M19.1M18.2M18.2M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $189.0M$217.7M$426.7M$154.0M$415.7M$152.1M$115.2M$77.6M$72.2M$66.1M
Property, plant and equipment $100.5M$103.7M$103.9M$82.9M$89.3M$60.1M$61.8M$56.5M$52.5M$53.6M
Goodwill $363.2M$363.2M$362.2M$292.4M$264.2M$171.3M$165.7M$151.2M$133.1M$132.6M
Other intangibles $30.1M$39.2M$50.0M$33.9M$26.8M$13.3M$11.8M$10.8M$11.5M$13.4M
Total assets $9.65B$9.25B$9.16B$7.21B$7.06B$4.76B$4.35B$3.99B$3.58B$3.43B
Short-term debt $530.3M$193.5M$650.5M$500.1M$166.5M$73.3M$317.0M$356.2M$209.5M$305.6M
Long-term debt $204.1M$238.1M$216.2M$101.1M$99.5M$110.6M$83.1M$109.6M$144.0M$145.2M
Total liabilities $8.44B$8.14B$8.10B$6.42B$6.22B$4.19B$3.76B$3.47B$3.12B$3.00B
Retained earnings $436.7M$388.1M$327.2M$265.9M$207.1M$190.7M$187.1M$160.3M$134.4M$110.3M
Total equity $1.21B$1.11B$1.05B$785.3M$845.0M$575.7M$594.4M$520.1M$458.6M$435.3M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $134.7M$143.2M$143.6M$119.8M$156.4M$85.5M$67.2M$75.2M$61.0M$60.7M
Depreciation and amortisation $14.5M$3.5M$3.7M$17.3M$24.6M$25.6M$17.9M$18.2M$18.1M$19.2M
Stock-based compensation $6.9M$7.3M$6.0M$4.3M$3.9M-$377.0K$313.0K$298.0K$295.0K$245.0K
Capital expenditure $6.0M$6.8M$13.5M$6.8M$6.7M$4.3M$2.8M$4.5M$4.9M$5.4M
Investing cash flow -$424.4M-$344.3M-$132.9M-$414.2M-$74.4M-$393.9M$1.1M-$130.2M-$162.7M-$198.4M
Financing cash flow $261.0M-$7.9M$262.0M$32.7M$181.6M$345.3M-$30.6M$60.3M$107.7M$132.7M
Dividends paid $58.1M$56.3M$52.1M$42.4M$31.0M$27.1M$25.9M$20.9M$14.7M$11.2M
Buybacks $838.0K$3.0M$3.0M$7.4M$0$29.3M$805.0K$0$0$5.0M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000318300-26-000099.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 50M 100M 150M 200M Revenue, FY2016: 115.4M Net income, FY2016: 31.2M Revenue, FY2017: 126.5M Net income, FY2017: 38.5M Revenue, FY2018: 151.3M Net income, FY2018: 46.3M Revenue, FY2019: 170.1M Net income, FY2019: 53.7M Revenue, FY2020: 157.1M Net income, FY2020: 34.8M Revenue, FY2021: 184.8M Net income, FY2021: 47.6M Revenue, FY2022: 70M Net income, FY2022: 101.3M Revenue, FY2023: 79.5M Net income, FY2023: 113.4M Revenue, FY2024: 84.8M Net income, FY2024: 117.2M Revenue, FY2025: 86.7M Net income, FY2025: 106.8M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $115.4M $126.5M $151.3M $170.1M $157.1M $184.8M $70.0M $79.5M $84.8M $86.7M
Gross profit — — — — — — — — — —
Net income $31.2M $38.5M $46.3M $53.7M $34.8M $47.6M $101.3M $113.4M $117.2M $106.8M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Regulation FD disclosure Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Regulation FD disclosure Item 7.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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