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

$39.82-0.17(<0.01%)Pre-market

Market Cap

$1.39B

P/E

11.7x

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: 68/100

Strongest: Profitability (21/25); weakest: Growth (11/25).

Profitability21/25

Growth11/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality18/25

Strengths

Strong marginsLow leverageCash-backed earningsConsistent free cash flow

No red flags in the last 8 quarters.

Valuation vs. 5-year range

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

P/E · 11.7x5y range 6.8x – 16.4x

Currently near its 20-quarter median.

P/S · 2.3x5y range 1.7x – 3.9x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.8x – 1.1x

Price & Volume

Market Cap $1.39B

Metrics at a Glance

as of June 2026

Revenue & Profit

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

TTM Revenue: $616.49M
Q. Revenue: $147.96M
TTM EBITDA: $162.41M
TTM Op. Income: $148.96M
Q. Op. Income: $35.64M
TTM Net Income: $118.19M
Q. Net Income: $27.95M
EPS: $0.79
Shares Out.: $35.17M

$616.49M in TTM revenue declined 0.1% YoY, reaching $147.96M last quarter. TTM EBITDA of $162.41M and TTM operating income of $148.96M show growth is flowing through to the bottom line. TTM net income of $118.19M means revenue is converting into profit. Over the past year, TTM revenue is down 0% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 76.4%
EBITDA Margin: 25.2%
Op. Margin: 24.1%
Net Margin: 18.9%

Op. margin of 24.1% is up 6.2% YoY — cost efficiency is improving. Net margin at 18.9% and gross margin of 76.4% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 34% — an improving trend.

Price Ratios

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

P/E Ratio: 11.7x
P/S Ratio: 2.3x
P/B Ratio: 1.1x

At 11.7x 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 2 consecutive quarters — a weakening trend.

Assets & Liabilities

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

Total Assets: $9.54B
Cash: $179.72M
Long-Term Debt: $156.25M
Book Value: $1.24B
D/E Ratio: 0.1
Debt/EBITDA: 4.2

With $9.54B in assets and $156.25M in long-term debt, D/E is 0.1and book value is $1.24B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

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

Op. Cash Flow: $56.05M
TTM Free Cash Flow: $136.42M
FCF Margin: 22.1%
FCF / Net Income: 1.2

TTM FCF of $136.42M on $56.05M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.