Peoples Bancorp Inc
PEBO Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$38.20
KIRA · Stoqly’s AI analyst, in plain words
- Peoples Bancorp Inc had $86.7M of revenue in fiscal 2025, up 2.3% on the year before. Over five years, revenue changed +166.3% a year on average.
- Peoples Bancorp Inc made $107M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 6.4% a year.
- Peoples Bancorp Inc returned $59.0M to shareholders in fiscal 2025, 46% of free cash flow. The diluted share count rose 0.6%.
- It earned 9.2% on shareholders’ money. Running costs took 325.6% of revenue (the efficiency ratio; lower is better).
Market cap
$1.4B
P/E
11.5x
Revenue
$86.7M
Net income
$107M
Return on equity
9.2%
Efficiency ratio
325.6%
Peoples Bancorp Inc in 30 seconds · fiscal 2025
Are sales growing?
+2.3%
Only a little. Sales grew 2.3% last year.
Does it make a profit?
123.1%
Yes. It keeps 123.1% of every sale as profit.
How lean are its costs?
325.6%
Costly. Running costs take 325.6% of revenue.
How much does it earn on its capital?
9.2%
Fair. It earns 9.2% a year on shareholders’ money.
How is the share priced?
11.5x
One share costs 11.5 times its yearly profit per share.
What Peoples Bancorp Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- PEOPLES BANCORP INC
- CIK
- 0000318300
Peoples Bancorp Inc · PEBO
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $0.2M | $70.0M | $79.5M | $84.8M | $86.7M |
| Revenue growth | −69.6% | 35,410.7% | 13.6% | 6.6% | 2.3% |
| Net interest income | $173M | $253M | $339M | $349M | $355M |
| Operating margin | 28,918.8% | 183.9% | 182.5% | 176.3% | 155.4% |
| Net income | $47.6M | $101M | $113M | $117M | $107M |
| Net margin | 24,139.6% | 144.8% | 142.6% | 138.3% | 123.1% |
| Diluted EPS | $2.15 | $3.60 | $3.44 | $3.31 | $2.99 |
| Cash | |||||
| Cash from operations | $156M | $120M | $144M | $143M | $135M |
| Capital expenditure | $6.7M | $6.8M | $13.5M | $6.8M | $6.0M |
| Free cash flow | $150M | $113M | $130M | $136M | $129M |
| FCF margin | 76,007.6% | 161.7% | 163.8% | 160.9% | 148.4% |
| Dividends paid | $31.0M | $42.4M | $52.1M | $56.3M | $58.1M |
| Share buybacks | $0.0M | $7.4M | $3.0M | $3.0M | $0.8M |
| Share count change | 10.7% | 27.5% | 17.0% | 7.3% | 0.6% |
| Debt and strength | |||||
| Cash and short-term investments | $416M | $154M | $427M | $218M | $189M |
| Debt incl. finance leases | $266M | $601M | $867M | $432M | $734M |
| Loans, net | $4.4B | $4.7B | $6.1B | $6.3B | $6.7B |
| Deposits | $5.9B | $5.7B | $7.1B | $7.6B | $7.6B |
| Shareholders' equity | $845M | $785M | $1.1B | $1.1B | $1.2B |
| Net debt / EBITDA | −1.8x | 3.1x | 3.0x | 1.4x | 3.7x |
| Interest coverage | 4.7x | 8.0x | 1.5x | — | — |
| Returns and quality | |||||
| Return on capital | 6.5% | 8.2% | 7.7% | 8.9% | 6.1% |
| Return on equity | 6.7% | 12.4% | 12.3% | 10.8% | 9.2% |
| Return on tangible equity | 8.6% | 22.1% | 17.7% | 16.5% | 13.1% |
| Efficiency ratio | 93,267.5% | 296.1% | 335.2% | 323.0% | 325.6% |
| Piotroski F-score | 4 | 5 | 3 | 6 | 3 |
Insiders bought, 12 months
$0.2M
5 insiders
Insiders sold, 12 months
$0.5M
4 insiders
Of sales under plans
40%
$0.2M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Peoples Bancorp Inc · PEBO
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $38.20 a share, the company is worth $1.4B: 11.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000318300). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.