Peoples Bancorp (PEBO) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Peoples Bancorp

NasdaqGS•Financial Services•Banks - Regional

$38.81+0.42(0.01%)After hours

Market Cap

$1.39B

P/E

11.5x

P/S

2.3x

P/B

1.1x

Peoples Bancorp Inc. operates as the financial holding company for Peoples Bank that provides commercial and consumer banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, certificates of deposit, and governmental deposits; 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 online, telephone, and mobile banking services. In addition, it provides various life, health, and property and casualty insurance products; third-party insurance administration; interactive teller machines; insurance premium financing; commercial and technology equipment leasing; fiduciary and trust; equipment financing agreements; and asset management and administration services, as well as employee benefit, retirement, and healthcare plan administration services. Further, the company offers brokerage services through an unaffiliated registered broker-dealer; and credit cards to individuals and businesses, as well as merchant credit card transaction processing, and person-to-person and business-to-business payment processing services. Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio.

How this company scores

GoodMetricSide Score: 77/100

Strongest: Cash & Earnings Quality (25/25); weakest: Growth (13/25).

Profitability21/25

Growth13/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.5x5y range 8.1x – 15.2x

Currently near its 20-quarter median.

P/S · 2.3x5y range 1.7x – 3.7x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.8x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Revenue Decline

Watch

Revenue has softened, declining in 5 quarters. Watch for further erosion.

Price & Volume

Market Cap $1.39B

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $613.99M
Q. Revenue: $154.14M
TTM EBITDA: $165.27M
TTM Op. Income: $152.34M
Q. Op. Income: $41.38M
TTM Net Income: $121.32M
Q. Net Income: $32.61M
EPS: $0.92
Shares Out.: $35.20M

$613.99M in TTM revenue declined 0.2% YoY, reaching $154.14M last quarter. TTM EBITDA of $165.27M and TTM operating income of $152.34M show growth is flowing through to the bottom line. TTM net income of $121.32M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 2 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 77.5%
EBITDA Margin: 27.9%
Op. Margin: 26.8%
Net Margin: 21.2%

Op. margin of 26.8% is up 2.6% YoY — cost efficiency is improving. Net margin at 21.2% and gross margin of 77.5% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.5x
P/S Ratio: 2.3x
P/B Ratio: 1.1x

At 11.5x P/E, the stock trades below typical market levels. P/S of 2.3x and P/B of 1.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 3 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $9.65B
Cash: $300.77M
Long-Term Debt: $155.05M
Book Value: $1.23B
D/E Ratio: 0.1
Debt/EBITDA: 3.6

With $9.65B in assets and $155.05M in long-term debt, D/E is 0.1and book value is $1.23B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $48.73M
TTM Free Cash Flow: $170.81M
FCF Margin: 27.8%
FCF / Net Income: 1.4

TTM FCF of $170.81M on $48.73M in operating cash flow. The FCF / Net Income ratio of 1.4x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.