Peoples Bancorp Inc. logo

Peoples Bancorp Inc.

PEBO

NASDAQFinancial ServicesBanks - Regional

Previous close

$40.06

+$0.09 · +0.23%

Aug 21, 4:00 PM ET

PEBO company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

69

Undervalued

Momentum

59

Neutral

Sentiment

66

Bullish

Risk resilience

79

Moderate Risk

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Company profile

Company website

Peoples Bancorp Inc. functions as the parent company for Peoples Bank, delivering an extensive array of commercial and retail banking products and services. The institution provides a variety of deposit options, including demand accounts, savings accounts, money market accounts, and certificates of deposit. Its lending portfolio is equally broad, encompassing commercial and industrial financing, commercial and residential real estate loans, construction loans, direct and indirect consumer loans, home equity lines of credit, and overdraft services. Customers also benefit from debit and ATM cards, safe deposit rentals, money orders, cashier's checks, and convenient access to banking through telephone, mobile, and internet platforms. Beyond core banking, Peoples Bancorp Inc. offers a comprehensive suite of additional financial services. These include various life, health, and property and casualty insurance products, along with third-party insurance administration and premium financing. The company is also involved in commercial and technology equipment leasing, fiduciary and trust services, asset management and administration, and the oversight of employee benefit, retirement, and healthcare plans. Furthermore, it facilitates brokerage services through external registered broker-dealers, offers credit cards for individuals and businesses, and handles merchant credit card transaction processing and person-to-person payments. Established in 1902 and based in Marietta, Ohio, Peoples Bancorp Inc. maintains a substantial operational footprint, featuring 135 financial service offices and ATMs, which include 119 full-service branches across Ohio, West Virginia, Kentucky, Virginia, Washington, D.C., and Maryland.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Tyler J. Wilcox
Listed since
Feb 10, 1993
Employees
1,443

Market position

Day range

Current $40.06

52-week range

Current $40.06

Open
$40.32
Previous close
$39.97
Volume
204.9K
0.76× average
Average volume
270.43K
Average daily volume
Market cap
1.44B USD
Beta
0.59
Market reference 1
50-day average
$39.3332
+1.85% above average
200-day average
$34.0564
+17.63% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.6B USD
P/E (TTM)
11.99×
P/B (TTM)
1.14×
P/S (TTM)
2.39×
EV / EBITDA
10.69×
Earnings yield
10.17%
Free cash flow yield
12.25%
Dividend yield
4.14%

Profitability & efficiency

Gross margin
68.78%
Operating margin
21.65%
Net margin
19.75%
Return on equity
8.85%
Return on assets
1.11%
Return on invested capital
5.24%

Financial health

Debt / equity
0.6×
Current ratio
0.84×
Altman Z-score
0.22
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends104%73%41%9%Gross margin, FY2021: 94.69%Gross margin, FY2022: 96.29%Gross margin, FY2023: 77.95%Gross margin, FY2024: 68.04%Gross margin, FY2025: 67.46%Operating margin, FY2021: 23.32%Operating margin, FY2022: 37.86%Operating margin, FY2023: 27.78%Operating margin, FY2024: 24.29%Operating margin, FY2025: 21.80%Net margin, FY2021: 19.47%Net margin, FY2022: 29.81%Net margin, FY2023: 21.70%Net margin, FY2024: 19.03%Net margin, FY2025: 17.27%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 94.69%. Gross margin FY2022 96.29%. Gross margin FY2023 77.95%. Gross margin FY2024 68.04%. Gross margin FY2025 67.46%. Operating margin FY2021 23.32%. Operating margin FY2022 37.86%. Operating margin FY2023 27.78%. Operating margin FY2024 24.29%. Operating margin FY2025 21.80%. Net margin FY2021 19.47%. Net margin FY2022 29.81%. Net margin FY2023 21.70%. Net margin FY2024 19.03%. Net margin FY2025 17.27%.

Income trends

Revenue

618.38M USD+0.40%

Operating income

134.81M USD-9.91%

Net income

106.78M USD-8.90%
Income trends across reported periods675.47M USD447.14M USD218.8M USD−9.53M USDRevenue, FY2021: 244.3M USDRevenue, FY2022: 339.78M USDRevenue, FY2023: 522.5M USDRevenue, FY2024: 615.9M USDRevenue, FY2025: 618.38M USDOperating income, FY2021: 56.97M USDOperating income, FY2022: 128.64M USDOperating income, FY2023: 145.13M USDOperating income, FY2024: 149.63M USDOperating income, FY2025: 134.81M USDNet income, FY2021: 47.56M USDNet income, FY2022: 101.29M USDNet income, FY2023: 113.36M USDNet income, FY2024: 117.21M USDNet income, FY2025: 106.78M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 244.3M USD. Revenue FY2022 339.78M USD. Revenue FY2023 522.5M USD. Revenue FY2024 615.9M USD. Revenue FY2025 618.38M USD. Operating income FY2021 56.97M USD. Operating income FY2022 128.64M USD. Operating income FY2023 145.13M USD. Operating income FY2024 149.63M USD. Operating income FY2025 134.81M USD. Net income FY2021 47.56M USD. Net income FY2022 101.29M USD. Net income FY2023 113.36M USD. Net income FY2024 117.21M USD. Net income FY2025 106.78M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue618.38M USD615.9M USD522.5M USD339.78M USD244.3M USD
Cost of goods sold201.24M USD196.86M USD115.2M USD12.6M USD12.97M USD
Gross profit417.15M USD419.04M USD407.3M USD327.17M USD231.33M USD
Selling, general, and administrative187.98M USD187.64M USD178.27M USD134.36M USD112.45M USD
Operating expenses282.34M USD269.58M USD262.17M USD198.53M USD174.36M USD
Interest income514.31M USD520.78M USD439.4M USD269.55M USD184.63M USD
Interest expense159.08M USD172.08M USD100.03M USD16.11M USD12.24M USD
Depreciation and amortization14.48M USD3.51M USD3.67M USD17.32M USD24.64M USD
Operating income134.81M USD149.63M USD145.13M USD128.64M USD56.97M USD
Net income106.78M USD117.21M USD113.36M USD101.29M USD47.56M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
64%
7 beats, 3 misses, 1 met estimate
Average EPS surprise
+1.90%
11 comparable reports
Latest EPS result
0.96
Estimate 0.85 · Beat by 13.48%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates10.850.710.56Q1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 21, 2025: actual 0.82, estimate 0.75, surprise +9.33%, Beat. Q2 2025, reported Apr 22, 2025: actual 0.69, estimate 0.73, surprise -5.48%, Miss. Q3 2025, reported Jul 22, 2025: actual 0.6, estimate 0.78, surprise -23.08%, Miss. Q4 2025, reported Oct 21, 2025: actual 0.9, estimate 0.83, surprise +8.43%, Beat. Q1 2026, reported Jan 20, 2026: actual 0.93, estimate 0.88, surprise +5.68%, Beat. Q2 2026, reported Apr 21, 2026: actual 0.82, estimate 0.8, surprise +2.50%, Beat. Q3 2026, reported Jul 21, 2026: actual 0.96, estimate 0.846, surprise +13.48%, Beat. Q4 2026, reported Oct 20, 2026: actual —, estimate 0.92, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates142.13M129.46M116.78M104.1MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 21, 2025: actual 114.68M USD, estimate 110.1M USD, surprise +4.16%, Beat. Q2 2025, reported Apr 22, 2025: actual 109.57M USD, estimate 112.85M USD, surprise -2.91%, Miss. Q3 2025, reported Jul 22, 2025: actual 111.51M USD, estimate 116.08M USD, surprise -3.94%, Miss. Q4 2025, reported Oct 21, 2025: actual 136.67M USD, estimate 117.68M USD, surprise +16.13%, Beat. Q1 2026, reported Jan 20, 2026: actual 119.57M USD, estimate 117.98M USD, surprise +1.35%, Beat. Q2 2026, reported Apr 21, 2026: actual 119.33M USD, estimate 118.72M USD, surprise +0.52%, Beat. Q3 2026, reported Jul 21, 2026: actual 121.95M USD, estimate 120.05M USD, surprise +1.59%, Beat. Q4 2026, reported Oct 20, 2026: actual —, estimate 123.47M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$45.00

12.33% upside
Past 12 months12-month forecastHigh $46.00Average $45.00Low $44.00

Rating distribution

11 ratings
Strong buy00%
Buy436%
Hold764%
Sell00%
Strong sell00%

Recent analyst actions

4 institutions

PEBO news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.63

2025 complete year+14.0% since 2021

2026 partial: $1.25

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 3, 2026

$0.42

Quarterly

Record Aug 3, 2026 · Payment Aug 17, 2026

Dividend

Ex-dividend May 4, 2026

$0.42

Quarterly

Record May 4, 2026 · Payment May 18, 2026

Dividend

Ex-dividend Feb 2, 2026

$0.41

Quarterly

Record Feb 2, 2026 · Payment Feb 17, 2026

Dividend

Ex-dividend Nov 4, 2025

$0.41

Quarterly

Record Nov 4, 2025 · Payment Nov 18, 2025

Dividend

Ex-dividend Aug 4, 2025

$0.41

Quarterly

Record Aug 4, 2025 · Payment Aug 18, 2025

Dividend

Ex-dividend May 5, 2025

$0.41

Quarterly

Record May 5, 2025 · Payment May 19, 2025

PEBO peers

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Funds reporting this stock among their holdings, ordered by reported position size.

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