PEBO

Peoples Bancorp Inc.

Fundamental data last updated:October 11, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Peoples Bancorp Inc. operates as the holding company for Peoples Bank that provides commercial and retail banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and provides commercial and industrial, commercial real estate, construction, finance, residential real estate, and consumer indirect and direct loans, as well as home equity lines of credit and overdrafts. It also offers debit and automated teller machine (ATM) cards; safe deposit rental facilities; money orders and cashier's checks; and telephone, mobile, and Internet-based banking services. In addition, the company provides various life, health, and property and casualty insurance products; third-party insurance administration; insurance premium financing; commercial and technology equipment leasing; fiduciary and trust; underwriting, origination and servicing of equipment leases, and equipment financing agreements; and asset management and administration services, as well as employee benefit, retirement, and health care plan administration services. Further, it offers brokerage services through an unaffiliated registered broker-dealers; insurance premium finance lending and lease financing services; and credit cards to individuals and businesses, as well as provides merchant credit card transaction processing, and person-to-person payment processing services. The company operates through 135 financial service offices and ATMs, including 119 full-service branches in Ohio, West Virginia, Kentucky, Virginia, Washington, D.C., and Maryland. Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio.

 


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VALUATION

P/E

10.98

Market Cap ($M USD)

$1.25B

Forward P/E

9.38

PEG

0.55

PRICE TO SALES

2.09

PRICE TO BOOK

1.01

EV / EBITDA

14.72

5-Year Average P/E

Free Cash Flow Yield

9.88%

DCF Value

$7.85

Graham Number

$49.74

Price to FCF

10.12

EV to FCF

14.81

Earnings Yield

9.11%

FCF Yield

9.88%

DIVIDEND

Yield

4.74%

Annual Payout

$1.65

Payout Ratio

52.24%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$3.17

Next Year EPS Growth Estimate

$3.72

Next Year Revenue Growth Estimate

$527.27M

Return on Equity (ROE)

9.37%

FREE CASH FLOW

Operating Margin

20.17%

Debt-to-Equity

0.61

Piotroski F-Score

7

Altman Z-Score

0.21

Return on Invested Capital (ROIC)

1.32%

Current Ratio

0.22

Quick Ratio

0.22

Net Debt to EBITDA

4.66

Interest Coverage

0.77

Gross Profit margin

66.96%

FCF PER SHARE

$3.52

REVENUE PER SHARE

$17.06

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Gainseekers Quantitative Analysis

Summary

Peoples Bancorp Inc. presents a perplexing valuation story. Recent pricing indicated it traded significantly below its DCF Value and Graham Number, suggesting potential undervaluation. However, the Altman Z-score of 0.21 raises red flags about financial distress, while the Forward P/E of 9.24 and an Earnings Yield of 9.25% suggest a cautious optimism for growth. The market seems to be pricing in moderate growth with substantial risk, leaving investors to weigh the potential for upside against the underlying financial vulnerabilities.

AI Exposure / Tech Reliance

Operating within the regional banking sector, Peoples Bancorp is not directly at the forefront of AI or tech innovation. However, its industry is increasingly integrating fintech solutions, which could enhance operational efficiency. The company's ability to adapt to these shifts will be crucial for maintaining competitiveness in a tech-driven financial landscape.

The Bull Case

For the discerning value or GARP investor, Peoples Bancorp offers compelling reasons to consider a buy. The Piotroski F-Score of 7 indicates solid financial health, while a robust FCF Yield of 10.03% underscores its ability to generate cash. With an operating margin of 20.17%, the bank demonstrates pricing power and operational efficiency. Despite a modest ROIC of 1.32%, the combination of these metrics suggests a company capable of delivering steady returns and capital efficiency.

The Bear Case

Yet, the bear case cannot be ignored. The Altman Z-score signals potential financial distress, and with a Net Debt to EBITDA ratio of 4.66, leverage is a concern. The company's current and quick ratios, both at 0.22, highlight liquidity challenges. Additionally, trading near its 52-week high with a Price/Book ratio just under 1 suggests limited upside without significant growth catalysts. These structural risks could weigh heavily on future performance.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$38.00

Institutional Ownership %

1-Year Beta

0.62

Insider Buying % (6 Mo)

Distance to 52-Week High

1.78%

Distance to 52-Week Low

21.10%

EARNINGS SURPRISE %

2.50%

50-DAY SMA

$33.69

200-DAY SMA

$31.47

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.