PEBO Stock Analysis: Peoples Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.403m USD | 12M Return: 36.1% | US7097891011 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.92M
EPS Trend: -72.0%
Qual. Beats: 1
Rev. Trend: 65.4%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Peoples Bancorp Inc. (PEBO) is a financial holding company that operates Peoples Bank, providing a comprehensive suite of commercial and consumer banking products and services. The company, founded in 1902 and headquartered in Marietta, Ohio, operates as a regional bank within the U.S. Financials sector. As a community-focused institution, it emphasizes relationship-based banking with a diversified product mix spanning traditional deposit and lending services, digital banking channels, insurance, wealth management, and payment processing solutions.
The companys core banking activities include accepting a wide range of deposit products (demand, savings, money market, certificates of deposit, and governmental deposits) and originating commercial, industrial, commercial real estate, construction, residential real estate, and consumer loans, including home equity lines of credit. Like most regional banks, PEBO generates revenue primarily through net interest income (the spread between loan yields and deposit costs) supplemented by fee-based services such as treasury management and payment processing.
Beyond traditional banking, Peoples Bancorp has built a diversified fee-income stream through insurance offerings (life, health, property and casualty, and premium financing), fiduciary and trust services, asset management, employee benefit and retirement plan administration, and equipment leasing. The company also offers debit and ATM cards, credit cards, merchant payment processing, and person-to-person and business-to-business payment services, alongside digital and interactive teller machine banking. Brokerage services are provided through an unaffiliated registered broker-dealer arrangement, a common model that allows regional banks to offer investment products without maintaining full broker-dealer infrastructure.
- Net interest margin expansion lifts profitability amid stable Fed rates
- Commercial real estate loan portfolio faces credit quality headwinds
- Insurance and wealth management fee income diversifies revenue mix
| Net Income: 119.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.23 > 1.0 |
| NWC/Revenue: -79.86% < 20% (prev -1.22k%; Δ 1.14k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 140.3m > Net Income 119.2m |
| Net Debt (638.3m) to EBITDA (137.7m): 4.64 < 3 |
| Current Ratio: 0.18 > 1.5 & < 3 |
| Outstanding Shares: last quarter (35.5m) vs 12m ago 0.65% < -2% |
| Gross Margin: 68.78% > 18% (prev 66.53%; Δ 2.24% > 0.5%) |
| Asset Turnover: 6.33% > 50% (prev 6.42%; Δ -0.09% > 0%) |
| Interest Coverage Ratio: 0.84 > 6 (EBIT TTM 129.8m / Interest Expense TTM 153.8m) |
| A: -0.05 (Total Current Assets 106.6m - Total Current Liabilities 588.7m) / Total Assets 9.54b |
| B: 0.05 (Retained Earnings 464.0m / Total Assets 9.54b) |
| C: 0.01 (EBIT TTM 129.8m / Avg Total Assets 9.54b) |
| D: 0.15 (Book Value of Equity 1.24b / Total Liabilities 8.30b) |
| Altman-Z'' = 0.07 = B |
As of September 27, 2026, the stock is trading at USD 39.22 with a total of 470,515 shares traded. Over the past week, the price has changed by -0.43%, over one month by -0.86%, over three months by +4.70% and over the past year by +36.08%.
Current recommended Stop Loss: 38.30 (which is 2.3% or 1.4 ATR below the current price).
Peoples Bancorp has received a consensus analysts rating of 3.43. Therefore, it is recommended to hold PEBO.
- StrongBuy: 1
- Buy: 1
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 43 | 9.6% |
P/E Trailing = 11.8303
P/E Forward = 9.8039
P/S = 3.2291
P/B = 1.1449
P/EG = 1.4537
Revenue TTM = 603.6m USD
EBIT TTM = 129.8m USD
EBITDA TTM = 137.7m USD
Long Term Debt = 156.3m USD (from longTermDebt, last quarter)
Short Term Debt = 588.7m USD (from shortTermDebt, last quarter)
Debt = 744.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 638.3m USD (calculated: Debt 744.9m - CCE 106.6m)
Enterprise Value = 2.04b USD (1.40b + Debt 744.9m - CCE 106.6m)
Interest Coverage Ratio = 0.84 (Ebit TTM 129.8m / Interest Expense TTM 153.8m)
EV/FCF = 15.51x (Enterprise Value 2.04b / FCF TTM 131.7m)
FCF Yield = 6.45% (FCF TTM 131.7m / Enterprise Value 2.04b)
FCF Margin = 21.81% (FCF TTM 131.7m / Revenue TTM 603.6m)
Net Margin = 19.75% (Net Income TTM 119.2m / Revenue TTM 603.6m)
Gross Margin = 68.78% ((Revenue TTM 603.6m - Cost of Revenue TTM 188.5m) / Revenue TTM)
Gross Margin QoQ = 70.28% (prev 70.28%)
Tobins Q-Ratio = 0.21 (Enterprise Value 2.04b / Total Assets 9.54b)
Interest Expense / Debt = 20.64% (Interest Expense 153.8m / Debt 744.9m)
Taxrate = 20.86% (31.4m / 150.7m)
NOPAT = 102.8m (EBIT 129.8m * (1 - 20.86%))
Current Ratio = 0.18 (Total Current Assets 106.6m / Total Current Liabilities 588.7m)
Debt / Equity = 0.60 (Debt 744.9m / totalStockholderEquity, last quarter 1.24b)
Debt / EBITDA = 4.64 (Net Debt 638.3m / EBITDA 137.7m)
Debt / FCF = 4.85 (Net Debt 638.3m / FCF TTM 131.7m)
Total Stockholder Equity = 1.21b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.25% (Net Income 119.2m / Total Assets 9.54b)
RoE = 9.85% (Net Income TTM 119.2m / Total Stockholder Equity 1.21b)
RoCE = 9.50% (EBIT 129.8m / Capital Employed (Equity 1.21b + L.T.Debt 156.3m))
RoIC = 1.08% (NOPAT 102.8m / Invested Capital 9.51b)
WACC = 10.78% (E(1.40b)/V(2.15b) * Re(7.83%) + D(744.9m)/V(2.15b) * Rd(20.64%) * (1-Tc(0.21)))
Discount Rate = 7.83% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 98.98 | Cagr: 0.60%
[DCF] Terminal Value 64.73% ; FCFF base≈140.5m ; Y1≈124.0m ; Y5≈101.4m
[DCF] Fair Price = 14.57 (EV 1.16b - Net Debt 638.3m = Equity 523.6m / Shares 35.9m; r=10.78% [WACC]; 5y FCF grow -14.38% → 2.50% )
EPS Correlation: -72.01 | EPS CAGR: -8.80% | SUE: 1.52 | # QB: 1
Revenue Correlation: 65.41 | Revenue CAGR: 6.16% | SUE: 0.59 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.93 | Chg30d=+8.34% | Revisions=+70% | Analysts=7
EPS current Year (2026-12-31): EPS=3.64 | Chg30d=+6.24% | Revisions=+67% | GrowthEPS=+15.6% | GrowthRev=+7.5%
EPS next Year (2027-12-31): EPS=3.88 | Chg30d=+3.58% | Revisions=+70% | GrowthEPS=+6.7% | GrowthRev=+8.0%
[Analyst] Revisions Ratio: +87% (up=20, down=0)