Peoples Bancorp Inc
PEBO Nasdaq State Commercial Banks Financials FY2016–FY2025
Revenue
Total sales reported in the income statement.
$86.7M
2.3%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
325.6%
2.6 pts
Net income
Profit after all expenses, interest and tax.
$107M
8.9%
Return on equity
Net income as a share of average shareholders' equity.
9.2%
1.6 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $3.31 EPS (TTM)
What Peoples Bancorp Inc does
No business description yet.
- Legal name
- PEOPLES BANCORP INC
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Accession · CIK
- 0000318300-26-000099
0000318300
Revenue and margins
Peoples Bancorp Inc had $86.7M of revenue in fiscal 2025, up 2.3% on the year before.
FY16
Revenue $107M
FY17
Revenue $115M
FY18
Revenue $0.2M
FY19
Revenue $0.4M
FY20
Revenue $0.6M
FY21
Revenue $0.2M
FY22
Revenue $70.0M
FY23
Revenue $79.5M
FY24
Revenue $84.8M
FY25
Revenue $86.7M
Q3 '23
Revenue $20.4M
Q4 '23
Revenue $20.7M
Q1 '24
Revenue $21.9M
Q2 '24
Revenue $20.6M
Q3 '24
Revenue $20.4M
Q4 '24
Revenue $21.9M
Q1 '25
Revenue $22.0M
Q2 '25
Revenue $21.3M
Q3 '25
Revenue $21.5M
Q4 '25
Revenue $22.0M
Q1 '26
Revenue $22.4M
Q2 '26
Revenue $22.0M
FY16
Net interest share 98.3%
Efficiency ratio 100.2%
FY17
Net interest share 98.4%
Efficiency ratio 93.7%
FY18
Net interest share −62,614.5%
Efficiency ratio 60,858.5%
FY19
Net interest share 34,860.9%
Efficiency ratio 33,972.8%
FY20
Net interest share 21,471.9%
Efficiency ratio 20,663.8%
FY21
Net interest share 87,590.4%
Efficiency ratio 93,267.5%
FY22
Net interest share 362.3%
Efficiency ratio 296.1%
FY23
Net interest share 426.9%
Efficiency ratio 335.2%
FY24
Net interest share 411.3%
Efficiency ratio 323.0%
FY25
Net interest share 409.6%
Efficiency ratio 325.6%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 457.5%
Efficiency ratio 351.7%
Q4 '23
Net interest share 427.4%
Efficiency ratio 327.4%
Q1 '24
Net interest share 395.2%
Efficiency ratio 312.3%
Q2 '24
Net interest share 421.2%
Efficiency ratio 334.3%
Q3 '24
Net interest share 435.0%
Efficiency ratio 323.4%
Q4 '24
Net interest share 396.0%
Efficiency ratio 322.7%
Q1 '25
Net interest share 388.1%
Efficiency ratio 322.2%
Q2 '25
Net interest share 411.8%
Efficiency ratio 330.8%
Q3 '25
Net interest share 424.3%
Efficiency ratio 324.7%
Q4 '25
Net interest share 414.7%
Efficiency ratio 324.7%
Q1 '26
Net interest share 404.3%
Efficiency ratio 320.3%
Q2 '26
Net interest share 420.6%
Efficiency ratio 330.1%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2016 to 2025, diluted EPS grew 6.4% a year. Loss periods are shown in red.
FY16
Net income $31.2M
FY17
Net income $38.5M
FY18
Net income $46.3M
FY19
Net income $53.7M
FY20
Net income $34.8M
FY21
Net income $47.6M
FY22
Net income $101M
FY23
Net income $113M
FY24
Net income $117M
FY25
Net income $107M
Q3 '23
Net income $31.9M
Q4 '23
Net income $33.8M
Q1 '24
Net income $29.6M
Q2 '24
Net income $29.0M
Q3 '24
Net income $31.7M
Q4 '24
Net income $26.9M
Q1 '25
Net income $24.3M
Q2 '25
Net income $21.2M
Q3 '25
Net income $29.5M
Q4 '25
Net income $31.8M
Q1 '26
Net income $29.0M
Q2 '26
Net income $28.0M
FY16
Diluted EPS $1.71
FY17
Diluted EPS $2.10
FY18
Diluted EPS $2.41
FY19
Diluted EPS $2.63
FY20
Diluted EPS $1.73
FY21
Diluted EPS $2.15
FY22
Diluted EPS $3.60
FY23
Diluted EPS $3.44
FY24
Diluted EPS $3.31
FY25
Diluted EPS $2.99
Q3 '23
Diluted EPS $0.90
Q4 '23
Diluted EPS $0.96
Q1 '24
Diluted EPS $0.84
Q2 '24
Diluted EPS $0.82
Q3 '24
Diluted EPS $0.89
Q4 '24
Diluted EPS $0.76
Q1 '25
Diluted EPS $0.68
Q2 '25
Diluted EPS $0.59
Q3 '25
Diluted EPS $0.83
Q4 '25
Diluted EPS $0.89
Q1 '26
Diluted EPS $0.81
Q2 '26
Diluted EPS $0.78
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY16
ROE 7.2%
ROTE 10.8%
Efficiency ratio 100.2%
FY17
ROE 8.6%
ROTE 12.3%
Efficiency ratio 93.7%
FY18
ROE 9.5%
ROTE 12.9%
Efficiency ratio 60,858.5%
FY19
ROE 9.6%
ROTE 12.9%
Efficiency ratio 33,972.8%
FY20
ROE 5.9%
ROTE 8.9%
Efficiency ratio 20,663.8%
FY21
ROE 6.7%
ROTE 8.6%
Efficiency ratio 93,267.5%
FY22
ROE 12.4%
ROTE 22.1%
Efficiency ratio 296.1%
FY23
ROE 12.3%
ROTE 17.7%
Efficiency ratio 335.2%
FY24
ROE 10.8%
ROTE 16.5%
Efficiency ratio 323.0%
FY25
ROE 9.2%
ROTE 13.1%
Efficiency ratio 325.6%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Peoples Bancorp Inc returned $59.0M to shareholders in fiscal 2025, 46% of free cash flow. The diluted share count rose 0.6%.
FY16
Dividends $11.2M
Buybacks $5.0M
FY17
Dividends $14.7M
Buybacks $0.0M
FY18
Dividends $20.9M
Buybacks $0.0M
FY19
Dividends $25.9M
Buybacks $0.8M
FY20
Dividends $27.1M
Buybacks $29.3M
FY21
Dividends $31.0M
Buybacks $0.0M
FY22
Dividends $42.4M
Buybacks $7.4M
FY23
Dividends $52.1M
Buybacks $3.0M
FY24
Dividends $56.3M
Buybacks $3.0M
FY25
Dividends $58.1M
Buybacks $0.8M
Dividends
Buybacks
Q3 '23
Dividends $13.6M
Buybacks $0.0M
Q4 '23
Dividends $14.2M
Buybacks $3.0M
Q1 '24
Dividends $13.9M
Buybacks $3.0M
Q2 '24
Dividends $14.0M
Buybacks $0.0M
Q3 '24
Dividends $14.2M
Buybacks $0.0M
Q4 '24
Dividends $14.2M
Buybacks $0.0M
Q1 '25
Dividends $14.2M
Buybacks $0.0M
Q2 '25
Dividends $14.6M
Buybacks $0.5M
Q3 '25
Dividends $14.7M
Buybacks $0.0M
Q4 '25
Dividends $14.6M
Buybacks $0.4M
Q1 '26
Dividends $14.6M
Buybacks $0.0M
Q2 '26
Dividends $15.1M
Buybacks $0.0M
Dividends
Buybacks
FY16
Diluted shares 0.02B
FY17
Diluted shares 0.02B
FY18
Diluted shares 0.02B
FY19
Diluted shares 0.02B
FY20
Diluted shares 0.02B
FY21
Diluted shares 0.02B
FY22
Diluted shares 0.03B
FY23
Diluted shares 0.03B
FY24
Diluted shares 0.04B
FY25
Diluted shares 0.04B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY16
Loans $2.2B
Deposits $2.5B
FY17
Loans $2.3B
Deposits $2.7B
FY18
Loans $2.7B
Deposits $3.0B
FY19
Loans $2.9B
Deposits $3.3B
FY20
Loans $3.4B
Deposits $3.9B
FY21
Loans $4.4B
Deposits $5.9B
FY22
Loans $4.7B
Deposits $5.7B
FY23
Loans $6.1B
Deposits $7.1B
FY24
Loans $6.3B
Deposits $7.6B
FY25
Loans $6.7B
Deposits $7.6B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $4.4B | $4.7B | $6.1B | $6.3B | $6.7B |
| Deposits | $5.9B | $5.7B | $7.1B | $7.6B | $7.6B |
| Loans / deposits | 75.4% | 81.4% | 85.8% | 82.9% | 87.8% |
| Total assets | $7.1B | $7.2B | $9.2B | $9.3B | $9.6B |
| Shareholders' equity | $845M | $785M | $1.1B | $1.1B | $1.2B |
| Goodwill | $264M | $292M | $362M | $363M | $363M |
| Intangible assets | $26.8M | $33.9M | $50.0M | $39.2M | $30.1M |
| Provision / loans | 0.0% | −0.1% | 0.2% | 0.4% | 0.6% |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
10 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $107M | $115M | $0.2M | $0.4M | $0.6M | $0.2M | $70.0M | $79.5M | $84.8M | $86.7M |
| Net interest income | $105M | $113M | −$130M | $141M | $139M | $173M | $253M | $339M | $349M | $355M |
| Noninterest income | $1.8M | $1.9M | $2.7M | $2.6M | $63.7M | $68.9M | $78.8M | $87.4M | $99.4M | $104M |
| Noninterest expense | $107M | $108M | $126M | $137M | $134M | $184M | $207M | $266M | $274M | $282M |
| Provision for credit losses | $3.5M | $3.8M | $5.4M | $2.5M | $26.3M | $0.7M | −$3.5M | $15.2M | $24.8M | $42.2M |
| Operating income | $45.3M | $57.2M | $54.9M | $65.4M | $42.6M | $57.0M | $129M | $145M | $149M | $135M |
| Interest expense | $10.6M | $13.1M | $21.7M | $29.3M | $18.2M | $12.2M | $16.1M | $100M | — | — |
| Income tax | $14.1M | $18.7M | $8.7M | $11.7M | $7.9M | $9.4M | $27.3M | $31.8M | $32.3M | $28.0M |
| Net income | $31.2M | $38.5M | $46.3M | $53.7M | $34.8M | $47.6M | $101M | $113M | $117M | $107M |
| Diluted EPS | $1.71 | $2.10 | $2.41 | $2.63 | $1.73 | $2.15 | $3.60 | $3.44 | $3.31 | $2.99 |
| Diluted shares | 0.02B | 0.02B | 0.02B | 0.02B | 0.02B | 0.02B | 0.03B | 0.03B | 0.04B | 0.04B |
| Cash flow | ||||||||||
| Cash from operations | $60.7M | $61.0M | $75.2M | $67.2M | $85.5M | $156M | $120M | $144M | $143M | $135M |
| Capital expenditure | $5.4M | $4.9M | $4.5M | $2.8M | $4.3M | $6.7M | $6.8M | $13.5M | $6.8M | $6.0M |
| Free cash flow | $55.2M | $56.2M | $70.7M | $64.3M | $81.2M | $150M | $113M | $130M | $136M | $129M |
| Depreciation and amortization | $19.2M | $18.1M | $18.2M | $17.9M | $25.6M | $24.6M | $17.3M | $3.7M | $3.5M | $14.5M |
| Stock-based compensation | $0.2M | $0.3M | $0.3M | $0.3M | −$0.4M | $3.9M | $4.3M | $6.0M | $7.3M | $6.9M |
| Acquisitions | $0.2M | $1.1M | −$4.7M | −$7.8M | $94.9M | −$133M | $85.8M | −$92.6M | $1.6M | $0.0M |
| Share buybacks | $5.0M | $0.0M | $0.0M | $0.8M | $29.3M | $0.0M | $7.4M | $3.0M | $3.0M | $0.8M |
| Dividends paid | $11.2M | $14.7M | $20.9M | $25.9M | $27.1M | $31.0M | $42.4M | $52.1M | $56.3M | $58.1M |
| Dividends and buybacks | $16.1M | $14.7M | $20.9M | $26.7M | $56.3M | $31.0M | $49.8M | $55.1M | $59.3M | $59.0M |
| Balance sheet | ||||||||||
| Cash and short-term investments | $66.1M | $72.2M | $77.6M | $115M | $152M | $416M | $154M | $427M | $218M | $189M |
| Total debt | $451M | $354M | $466M | $400M | $184M | $266M | $601M | $867M | $432M | $734M |
| Loans, net | $2.2B | $2.3B | $2.7B | $2.9B | $3.4B | $4.4B | $4.7B | $6.1B | $6.3B | $6.7B |
| Deposits | $2.5B | $2.7B | $3.0B | $3.3B | $3.9B | $5.9B | $5.7B | $7.1B | $7.6B | $7.6B |
| Property and equipment, net | $53.6M | $52.5M | $56.5M | $61.8M | $60.1M | $89.3M | $82.9M | $104M | $104M | $101M |
| Goodwill | $133M | $133M | $151M | $166M | $171M | $264M | $292M | $362M | $363M | $363M |
| Intangible assets | $13.4M | $11.5M | $10.8M | $11.8M | $13.3M | $26.8M | $33.9M | $50.0M | $39.2M | $30.1M |
| Total assets | $3.4B | $3.6B | $4.0B | $4.4B | $4.8B | $7.1B | $7.2B | $9.2B | $9.3B | $9.6B |
| Total liabilities | $3.0B | $3.1B | $3.5B | $3.8B | $4.2B | $6.2B | $6.4B | $8.1B | $8.1B | $8.4B |
| Preferred stock | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Shareholders' equity | $435M | $459M | $520M | $594M | $576M | $845M | $785M | $1.1B | $1.1B | $1.2B |
| Margins | ||||||||||
| Operating margin | 42.4% | 49.6% | 26,541.5% | 16,177.7% | 6,591.3% | 28,918.8% | 183.9% | 182.5% | 176.3% | 155.4% |
| EBITDA margin | 60.4% | 65.4% | 35,335.7% | 20,598.8% | 10,554.1% | 41,427.9% | 208.6% | 187.2% | 180.4% | 172.1% |
| Net margin | 29.2% | 33.4% | 22,345.4% | 13,290.8% | 5,373.6% | 24,139.6% | 144.8% | 142.6% | 138.3% | 123.1% |
| FCF margin | 51.8% | 48.7% | 34,160.4% | 15,927.7% | 12,547.8% | 76,007.6% | 161.7% | 163.8% | 160.9% | 148.4% |
| Net interest share of revenue | 98.3% | 98.4% | −62,614.5% | 34,860.9% | 21,471.9% | 87,590.4% | 362.3% | 426.9% | 411.3% | 409.6% |
| Efficiency ratio | 100.2% | 93.7% | 60,858.5% | 33,972.8% | 20,663.8% | 93,267.5% | 296.1% | 335.2% | 323.0% | 325.6% |
| Returns | ||||||||||
| Return on capital | 4.4% | 6.1% | 4.8% | 5.9% | 5.5% | 6.5% | 8.2% | 7.7% | 8.9% | 6.1% |
| Return on equity | 7.2% | 8.6% | 9.5% | 9.6% | 5.9% | 6.7% | 12.4% | 12.3% | 10.8% | 9.2% |
| Return on assets | 0.9% | 1.1% | 1.2% | 1.3% | 0.8% | 0.8% | 1.4% | 1.4% | 1.3% | 1.1% |
| Return on tangible equity | 10.8% | 12.3% | 12.9% | 12.9% | 8.9% | 8.6% | 22.1% | 17.7% | 16.5% | 13.1% |
| Growth | ||||||||||
| Revenue growth | — | 8.0% | −99.8% | 95.2% | 60.1% | −69.6% | 35,410.7% | 13.6% | 6.6% | 2.3% |
| Net income growth | — | 23.5% | 20.2% | 16.1% | −35.3% | 36.8% | 113.0% | 11.9% | 3.4% | −8.9% |
| EPS growth | — | 22.8% | 14.8% | 9.1% | −34.2% | 24.3% | 67.4% | −4.4% | −3.8% | −9.7% |
| FCF growth | — | 1.7% | 25.9% | −9.0% | 26.2% | 84.4% | −24.5% | 15.1% | 4.7% | −5.6% |
| Share count change | — | 0.3% | 5.0% | 6.0% | −2.1% | 10.7% | 27.5% | 17.0% | 7.3% | 0.6% |
| Financial health | ||||||||||
| Net debt / EBITDA | 6.0x | 3.7x | 5.3x | 3.4x | 0.5x | −1.8x | 3.1x | 3.0x | 1.4x | 3.7x |
| Debt / equity | 1.0x | 0.8x | 0.9x | 0.7x | 0.3x | 0.3x | 0.8x | 0.8x | 0.4x | 0.6x |
| Interest coverage | 4.3x | 4.4x | 2.5x | 2.2x | 2.3x | 4.7x | 8.0x | 1.5x | — | — |
| Loans / deposits | 87.9% | 85.6% | 91.6% | 86.6% | 85.7% | 75.4% | 81.4% | 85.8% | 82.9% | 87.8% |
| Provision / loans | 0.2% | 0.2% | 0.2% | 0.1% | 0.8% | 0.0% | −0.1% | 0.2% | 0.4% | 0.6% |
| Capital allocation | ||||||||||
| Capex / revenue | 5.1% | 4.2% | 2,188.9% | 695.3% | 664.5% | 3,393.4% | 9.7% | 16.9% | 8.0% | 6.9% |
| Stock comp / revenue | 0.2% | 0.3% | 144.0% | 77.5% | −58.3% | 1,974.6% | 6.2% | 7.6% | 8.6% | 8.0% |
| Payouts / FCF | 29.2% | 26.2% | 29.6% | 41.6% | 69.4% | 20.7% | 44.0% | 42.3% | 43.5% | 45.8% |
| Quality scores | ||||||||||
| Piotroski F-score | — | 6.0 | 4.0 | 6.0 | 6.0 | 4.0 | 5.0 | 3.0 | 6.0 | 3.0 |
| Accruals ratio | −0.9% | −0.6% | −0.8% | −0.3% | −1.1% | −1.8% | −0.3% | −0.4% | −0.3% | −0.3% |
Source: SEC EDGAR XBRL filings (CIK 0000318300). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.