PEBO · Peoples Bancorp Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $86.72M | $84.78M | $79.50M | $69.96M | $61.37M | $53.93M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $8.60M | $8.60M | $7.70M | $7.00M | $6.10M | $6.00M |
| Operating Income | $134.81M | $149.46M | $145.13M | $128.64M | $56.97M | $42.65M |
| Interest Expense | - | - | $100.03M | $16.11M | $12.24M | $18.18M |
| Income Tax | $28.03M | $32.26M | $31.76M | $27.35M | $9.41M | $7.88M |
| Net Income | $106.78M | $117.20M | $113.36M | $101.29M | $47.55M | $34.77M |
| EPS - Basic | $3.03 | $3.34 | $3.46 | $3.61 | $2.17 | $1.74 |
| EPS - Diluted | $2.99 | $3.31 | $3.44 | $3.60 | $2.15 | $1.73 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $188.95M | $217.66M | $426.72M | $154.02M | $415.73M | $152.10M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $9.65B | $9.25B | $9.16B | $7.21B | $7.06B | $4.76B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $204.14M | $238.07M | $216.24M | $101.09M | $99.47M | $110.57M |
| Total Liabilities | $8.44B | $8.14B | $8.10B | $6.42B | $6.22B | $4.19B |
| Stockholders' Equity | $1.21B | $1.11B | $1.05B | $785.33M | $845.02M | $575.67M |
| Retained Earnings | $436.75M | $388.11M | $327.24M | $265.94M | $207.08M | $190.69M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $134.73M | $143.19M | $143.64M | $119.84M | $156.42M | $85.48M |
| Investing Cash Flow | ($424.45M) | ($344.31M) | ($132.93M) | ($414.21M) | ($74.43M) | ($393.92M) |
| Financing Cash Flow | $261.01M | ($7.94M) | $261.99M | $32.67M | $181.64M | $345.34M |
| CapEx | $6.03M | $6.82M | $13.46M | $6.75M | $6.68M | $4.30M |
| Free Cash Flow | $128.70M | $136.37M | $130.19M | $113.09M | $149.74M | $81.18M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 155.4% | 176.3% | 182.5% | 183.9% | 92.8% | 79.1% |
| EBITDA margin | 165.4% | 186.4% | 192.2% | 193.9% | 102.8% | 90.2% |
| Net margin | 123.1% | 138.3% | 142.6% | 144.8% | 77.5% | 64.5% |
| Free cash flow margin | 148.4% | 160.9% | 163.8% | 161.7% | 244.0% | 150.5% |
| FCF / Net income | 1.21 | 1.16 | 1.15 | 1.12 | 3.15 | 2.34 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 20.8% | 21.6% | 21.9% | 21.3% | 16.5% | 18.5% |
| Return on assets | 1.1% | 1.3% | 1.2% | 1.4% | 0.7% | 0.7% |
| Return on equity | 8.8% | 10.5% | 10.8% | 12.9% | 5.6% | 6.0% |
| Return on invested capital | 7.6% | 8.7% | 8.9% | 11.4% | 5.0% | 5.1% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.17 | 0.21 | 0.21 | 0.13 | 0.12 | 0.19 |
| Debt / Assets | 0.02 | 0.03 | 0.02 | 0.01 | 0.01 | 0.02 |
| Debt / EBITDA | 1.42 | 1.51 | 1.41 | 0.75 | 1.58 | 2.27 |
| Interest coverage | - | - | 1.5x | 8.0x | 4.7x | 2.3x |
| Equity multiplier | 8.00 | 8.33 | 8.69 | 9.18 | 8.36 | 8.27 |
| Liabilities / Assets | 0.87 | 0.88 | 0.88 | 0.89 | 0.88 | 0.88 |
| Efficiency | ||||||
| Asset turnover | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 10.0x | 9.6x | 9.8x | 7.8x | 14.8x | 15.7x |
| P / B | 0.9x | 1.0x | 1.0x | 1.0x | 0.8x | 0.9x |
| P / S | 12.2x | 13.1x | 13.9x | 11.3x | 11.4x | 10.0x |
| EV / EBITDA | 7.5x | 7.2x | 5.9x | 5.4x | 6.1x | 10.2x |
| Growth | ||||||
| Revenue growth (YoY) | 2.3% | 6.6% | 13.6% | 14.0% | 13.8% | -4.2% |
| Revenue CAGR (3y) | 7.4% | 11.4% | 13.8% | 7.5% | 6.9% | - |
| Revenue CAGR (5y) | 10.0% | 8.5% | 9.6% | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -9.8% | 3.0% | 12.8% | 125.8% | 33.6% | -34.8% |
| Net income growth (YoY) | -8.9% | 3.4% | 11.9% | 113.0% | 36.8% | -35.3% |
| EPS growth (YoY) | -9.7% | -3.8% | -4.4% | 67.4% | 24.3% | -34.2% |
| EPS CAGR (3y) | -6.0% | 15.5% | 25.7% | 11.0% | -3.7% | -6.3% |
| EPS CAGR (5y) | 11.6% | 4.7% | 7.4% | 11.4% | 4.7% | 23.2% |
| FCF growth (YoY) | -5.6% | 4.7% | 15.1% | -24.5% | 84.4% | 26.2% |
| FCF CAGR (5y) | 9.7% | 16.2% | 13.0% | 15.1% | 22.2% | 16.1% |
| Book value growth (YoY) | 8.5% | 5.5% | 34.2% | -7.1% | 46.8% | -3.1% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- ✓Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing PEOPLES BANCORP INC against the 5 most active filers in the same SIC group.
Dividends
$1.65/share trailing 12 months · +2.5% YoY
| Ex-date | Per share |
|---|---|
| May 4, 2026 | $0.4200 |
| Feb 2, 2026 | $0.4100 |
| Nov 4, 2025 | $0.4100 |
| Aug 4, 2025 | $0.4100 |
| May 5, 2025 | $0.4100 |
| Feb 3, 2025 | $0.4000 |
| Nov 4, 2024 | $0.4000 |
| Aug 5, 2024 | $0.4000 |
| May 3, 2024 | $0.4000 |
| Feb 2, 2024 | $0.3900 |
| Nov 3, 2023 | $0.3900 |
| Aug 4, 2023 | $0.3900 |
| May 5, 2023 | $0.3900 |
| Feb 3, 2023 | $0.3800 |
| Nov 4, 2022 | $0.3800 |
| Aug 5, 2022 | $0.3800 |
| May 6, 2022 | $0.3800 |
| Feb 4, 2022 | $0.3600 |
| Nov 5, 2021 | $0.3600 |
| Jul 30, 2021 | $0.3600 |
| Apr 30, 2021 | $0.3600 |
| Feb 5, 2021 | $0.3500 |
| Oct 30, 2020 | $0.3500 |
| Jul 31, 2020 | $0.3400 |