Annual Income Statements for Peoples Bancorp
This table shows Peoples Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.
Quarterly Income Statements for Peoples Bancorp
This table shows Peoples Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.
| Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
| Net Income / (Loss) Attributable to Common Shareholders |
|
27 |
27 |
21 |
32 |
34 |
30 |
29 |
32 |
27 |
24 |
21 |
| Consolidated Net Income / (Loss) |
|
27 |
27 |
21 |
32 |
34 |
30 |
29 |
32 |
27 |
24 |
21 |
| Net Income / (Loss) Continuing Operations |
|
27 |
27 |
21 |
32 |
34 |
30 |
29 |
32 |
27 |
24 |
21 |
| Total Pre-Tax Income |
|
34 |
34 |
27 |
41 |
44 |
38 |
36 |
41 |
35 |
31 |
27 |
| Total Revenue |
|
90 |
92 |
106 |
116 |
113 |
112 |
110 |
114 |
112 |
112 |
114 |
| Net Interest Income / (Expense) |
|
71 |
73 |
85 |
93 |
88 |
87 |
87 |
89 |
87 |
85 |
88 |
| Total Interest Income |
|
76 |
84 |
106 |
124 |
125 |
128 |
131 |
134 |
129 |
125 |
126 |
| Loans and Leases Interest Income |
|
66 |
72 |
92 |
109 |
110 |
111 |
112 |
117 |
111 |
107 |
109 |
| Investment Securities Interest Income |
|
9.37 |
12 |
14 |
14 |
14 |
15 |
16 |
16 |
16 |
16 |
17 |
| Other Interest Income |
|
0.40 |
0.39 |
0.67 |
0.80 |
0.90 |
1.92 |
2.50 |
0.95 |
1.43 |
0.90 |
1.04 |
| Total Interest Expense |
|
5.59 |
11 |
22 |
30 |
37 |
41 |
44 |
45 |
42 |
39 |
39 |
| Deposits Interest Expense |
|
2.79 |
5.66 |
14 |
22 |
29 |
32 |
35 |
37 |
36 |
35 |
34 |
| Short-Term Borrowings Interest Expense |
|
1.67 |
4.46 |
5.31 |
5.17 |
5.00 |
5.04 |
5.37 |
4.05 |
2.33 |
0.51 |
1.39 |
| Long-Term Debt Interest Expense |
|
1.13 |
1.15 |
1.85 |
2.67 |
2.49 |
3.47 |
3.52 |
3.41 |
4.02 |
3.62 |
3.57 |
| Total Non-Interest Income |
|
19 |
19 |
21 |
23 |
24 |
26 |
24 |
25 |
25 |
27 |
27 |
| Other Service Charges |
|
4.62 |
6.41 |
5.25 |
6.94 |
4.31 |
7.74 |
5.49 |
7.62 |
3.57 |
7.92 |
6.25 |
| Net Realized & Unrealized Capital Gains on Investments |
|
-2.20 |
-2.18 |
-1.83 |
-0.31 |
-2.21 |
-0.34 |
-0.78 |
-0.87 |
-1.73 |
-0.36 |
-0.28 |
| Other Non-Interest Income |
|
17 |
15 |
18 |
17 |
22 |
18 |
19 |
18 |
23 |
20 |
21 |
| Provision for Credit Losses |
|
2.30 |
1.85 |
7.98 |
4.05 |
1.29 |
6.10 |
5.68 |
6.74 |
6.27 |
10 |
17 |
| Total Non-Interest Expense |
|
53 |
56 |
71 |
72 |
68 |
68 |
69 |
66 |
71 |
71 |
70 |
| Salaries and Employee Benefits |
|
29 |
32 |
38 |
37 |
37 |
39 |
37 |
37 |
37 |
40 |
39 |
| Net Occupancy & Equipment Expense |
|
9.86 |
9.52 |
10 |
12 |
12 |
12 |
13 |
12 |
12 |
13 |
13 |
| Marketing Expense |
|
2.14 |
0.93 |
1.36 |
1.27 |
3.86 |
1.66 |
1.21 |
0.97 |
3.86 |
1.40 |
1.43 |
| Property & Liability Insurance Claims |
|
0.78 |
0.80 |
1.46 |
1.26 |
1.26 |
1.19 |
1.25 |
1.24 |
1.25 |
1.25 |
1.25 |
| Other Operating Expenses |
|
9.83 |
11 |
17 |
17 |
10 |
12 |
14 |
12 |
13 |
13 |
14 |
| Amortization Expense |
|
2.00 |
1.87 |
2.80 |
3.28 |
3.27 |
2.79 |
2.79 |
2.79 |
2.80 |
2.21 |
2.21 |
| Income Tax Expense |
|
7.13 |
7.05 |
6.17 |
8.85 |
9.70 |
8.27 |
6.87 |
9.20 |
7.93 |
7.04 |
6.24 |
| Basic Earnings per Share |
|
$0.95 |
$0.95 |
$0.64 |
$0.91 |
$0.96 |
$0.85 |
$0.83 |
$0.90 |
$0.76 |
$0.69 |
$0.60 |
| Weighted Average Basic Shares Outstanding |
|
27.91M |
27.89M |
32.53M |
34.82M |
32.53M |
34.74M |
34.76M |
34.79M |
34.78M |
34.90M |
34.97M |
| Diluted Earnings per Share |
|
$0.96 |
$0.94 |
$0.64 |
$0.90 |
$0.96 |
$0.84 |
$0.82 |
$0.89 |
$0.76 |
$0.68 |
$0.59 |
| Weighted Average Diluted Shares Outstanding |
|
28.00M |
28.02M |
32.65M |
35.06M |
32.76M |
35.05M |
35.12M |
35.20M |
35.15M |
35.30M |
35.33M |
| Weighted Average Basic & Diluted Shares Outstanding |
|
28.47M |
28.49M |
35.37M |
35.36M |
35.49M |
35.49M |
35.51M |
35.54M |
35.67M |
35.65M |
35.67M |
| Cash Dividends to Common per Share |
|
- |
$10,725,000.38 |
$13,422,000.39 |
$13,793,000.39 |
- |
$13,745,000.39 |
$14,197,000.40 |
$14,174,000.40 |
- |
$14,227,000.40 |
$14,616,000.41 |
Annual Cash Flow Statements for Peoples Bancorp
This table details how cash moves in and out of Peoples Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.
| Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
| Net Change in Cash & Equivalents |
|
7.63 |
9.66 |
-4.97 |
6.05 |
5.42 |
38 |
37 |
264 |
-262 |
273 |
-209 |
| Net Cash From Operating Activities |
|
31 |
48 |
61 |
61 |
75 |
67 |
85 |
156 |
120 |
144 |
143 |
| Net Cash From Continuing Operating Activities |
|
31 |
48 |
61 |
61 |
76 |
67 |
85 |
157 |
120 |
144 |
143 |
| Net Income / (Loss) Continuing Operations |
|
17 |
11 |
31 |
38 |
46 |
54 |
35 |
48 |
101 |
113 |
117 |
| Consolidated Net Income / (Loss) |
|
17 |
11 |
31 |
38 |
46 |
54 |
35 |
48 |
101 |
113 |
117 |
| Provision For Loan Losses |
|
0.34 |
14 |
3.54 |
3.77 |
5.45 |
2.50 |
26 |
0.73 |
-3.51 |
15 |
25 |
| Depreciation Expense |
|
13 |
19 |
19 |
18 |
18 |
18 |
26 |
25 |
17 |
3.67 |
3.51 |
| Non-Cash Adjustments to Reconcile Net Income |
|
-0.00 |
-0.48 |
-6.87 |
-6.86 |
-3.51 |
-5.23 |
-9.43 |
66 |
22 |
-8.15 |
-6.52 |
| Changes in Operating Assets and Liabilities, net |
|
1.30 |
4.82 |
14 |
7.50 |
8.85 |
-1.67 |
8.25 |
18 |
-17 |
20 |
4.20 |
| Net Cash From Investing Activities |
|
-14 |
-1.11 |
-198 |
-163 |
-130 |
1.05 |
-394 |
-74 |
-414 |
-133 |
-344 |
| Net Cash From Continuing Investing Activities |
|
-14 |
-1.11 |
-198 |
-163 |
-130 |
1.05 |
-394 |
-74 |
-414 |
-133 |
-344 |
| Purchase of Property, Leasehold Improvements and Equipment |
|
-83 |
-87 |
-154 |
-4.87 |
-4.53 |
-2.81 |
-4.30 |
-6.69 |
-6.75 |
-13 |
-6.82 |
| Purchase of Investment Securities |
|
-144 |
-198 |
-205 |
-313 |
-280 |
-283 |
-847 |
-928 |
-652 |
-575 |
-817 |
| Sale and/or Maturity of Investments |
|
213 |
284 |
161 |
155 |
154 |
287 |
457 |
860 |
245 |
456 |
480 |
| Net Cash From Financing Activities |
|
-9.70 |
-37 |
133 |
108 |
60 |
-31 |
345 |
182 |
33 |
262 |
-7.94 |
| Net Cash From Continuing Financing Activities |
|
-9.70 |
-37 |
133 |
108 |
60 |
-31 |
345 |
182 |
33 |
262 |
-7.94 |
| Net Change in Deposits |
|
-8.35 |
-26 |
-26 |
221 |
26 |
78 |
619 |
201 |
-145 |
152 |
487 |
| Issuance of Debt |
|
5.27 |
72 |
200 |
55 |
62 |
-77 |
50 |
0.00 |
25 |
115 |
55 |
| Issuance of Common Equity |
|
40 |
0.00 |
0.02 |
0.01 |
0.03 |
0.01 |
0.59 |
0.91 |
1.23 |
1.26 |
1.48 |
| Repayment of Debt |
|
-40 |
-72 |
-24 |
-152 |
-4.59 |
-3.50 |
-266 |
12 |
203 |
50 |
-492 |
| Repurchase of Common Equity |
|
0.00 |
0.00 |
-4.97 |
0.00 |
0.00 |
-0.81 |
-30 |
0.00 |
-7.41 |
-3.03 |
-3.00 |
| Payment of Dividends |
|
-6.77 |
-10 |
-11 |
-15 |
-21 |
-26 |
-27 |
-31 |
-42 |
-52 |
-56 |
| Other Financing Activities, Net |
|
-0.44 |
-0.69 |
-0.84 |
-0.72 |
-1.90 |
-1.25 |
-0.30 |
-1.31 |
-1.75 |
-1.77 |
-1.31 |
| Cash Interest Paid |
|
11 |
12 |
11 |
13 |
20 |
29 |
19 |
13 |
16 |
90 |
173 |
| Cash Income Taxes Paid |
|
6.73 |
0.67 |
12 |
14 |
6.14 |
11 |
13 |
6.69 |
4.13 |
30 |
28 |
Quarterly Cash Flow Statements for Peoples Bancorp
This table details how cash moves in and out of Peoples Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.
| Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
| Net Change in Cash & Equivalents |
|
8.84 |
3.13 |
-8.67 |
151 |
128 |
3.00 |
-194 |
48 |
-66 |
-31 |
-0.90 |
| Net Cash From Operating Activities |
|
17 |
48 |
15 |
50 |
31 |
37 |
32 |
34 |
40 |
34 |
51 |
| Net Cash From Investing Activities |
|
-213 |
-90 |
39 |
-28 |
-54 |
-123 |
-150 |
147 |
-218 |
-18 |
-313 |
| Net Cash From Continuing Investing Activities |
|
-213 |
-90 |
39 |
-28 |
-54 |
-123 |
-150 |
147 |
-218 |
-18 |
-313 |
| Purchase of Property, Leasehold Improvements and Equipment |
|
0.26 |
-2.76 |
-4.43 |
-3.44 |
-2.84 |
-3.87 |
-1.89 |
-0.87 |
-0.20 |
-2.75 |
-1.47 |
| Purchase of Investment Securities |
|
-271 |
-248 |
-61 |
-131 |
-136 |
-164 |
-207 |
-74 |
-373 |
-92 |
-366 |
| Sale and/or Maturity of Investments |
|
58 |
160 |
104 |
107 |
85 |
45 |
58 |
221 |
156 |
77 |
54 |
| Net Cash From Financing Activities |
|
204 |
45 |
-63 |
129 |
151 |
89 |
-76 |
-133 |
112 |
-47 |
262 |
| Net Cash From Continuing Financing Activities |
|
204 |
45 |
-63 |
129 |
151 |
89 |
-76 |
-133 |
112 |
-47 |
262 |
| Net Change in Deposits |
|
-149 |
72 |
-63 |
78 |
65 |
174 |
-29 |
185 |
156 |
144 |
-98 |
| Issuance of Debt |
|
5.80 |
2.90 |
2.11 |
65 |
45 |
27 |
8.79 |
10 |
9.41 |
3.30 |
2.69 |
| Issuance of Common Equity |
|
0.35 |
0.40 |
0.33 |
0.27 |
0.27 |
0.45 |
0.40 |
0.28 |
0.35 |
0.29 |
0.70 |
| Repayment of Debt |
|
358 |
-18 |
11 |
-0.39 |
57 |
-95 |
-42 |
-315 |
-40 |
-179 |
370 |
| Repurchase of Common Equity |
|
-0.25 |
0.00 |
- |
- |
-3.03 |
-3.00 |
- |
- |
- |
0.00 |
-0.46 |
| Payment of Dividends |
|
-11 |
-11 |
-13 |
-14 |
-14 |
-14 |
-14 |
-14 |
-14 |
-15 |
-14 |
| Other Financing Activities, Net |
|
-0.07 |
-0.92 |
-0.13 |
-0.39 |
-0.32 |
-0.87 |
-0.13 |
-0.17 |
-0.09 |
-1.75 |
0.64 |
| Cash Interest Paid |
|
5.26 |
9.68 |
18 |
30 |
33 |
38 |
39 |
49 |
47 |
38 |
38 |
| Cash Income Taxes Paid |
|
2.18 |
0.11 |
29 |
0.44 |
0.44 |
0.07 |
20 |
- |
8.11 |
6.07 |
3.08 |
Annual Balance Sheets for Peoples Bancorp
This table presents Peoples Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.
| Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
| Total Assets |
|
2,568 |
3,259 |
3,432 |
3,582 |
3,991 |
4,354 |
4,761 |
7,064 |
7,207 |
9,157 |
9,254 |
| Cash and Due from Banks |
|
42 |
54 |
58 |
58 |
62 |
53 |
61 |
490 |
95 |
112 |
109 |
| Interest Bearing Deposits at Other Banks |
|
19 |
17 |
8.02 |
14 |
16 |
62 |
91 |
341 |
59 |
315 |
109 |
| Trading Account Securities |
|
685 |
830 |
821 |
852 |
829 |
968 |
819 |
- |
1,743 |
1,795 |
1,858 |
| Loans and Leases, Net of Allowance |
|
1,603 |
2,056 |
2,207 |
2,338 |
2,709 |
2,852 |
3,353 |
0.00 |
4,654 |
6,097 |
6,295 |
| Loans and Leases |
|
1,621 |
2,072 |
2,225 |
2,357 |
2,729 |
2,874 |
3,403 |
- |
4,707 |
6,159 |
6,358 |
| Allowance for Loan and Lease Losses |
|
18 |
17 |
18 |
19 |
20 |
22 |
50 |
- |
53 |
62 |
63 |
| Loans Held for Sale |
|
4.37 |
1.95 |
4.02 |
2.51 |
5.47 |
6.50 |
4.66 |
- |
2.14 |
1.87 |
2.35 |
| Premises and Equipment, Net |
|
40 |
53 |
54 |
53 |
57 |
62 |
60 |
89 |
83 |
104 |
104 |
| Goodwill |
|
99 |
133 |
133 |
133 |
151 |
166 |
171 |
264 |
292 |
362 |
363 |
| Intangible Assets |
|
11 |
17 |
13 |
11 |
11 |
12 |
13 |
27 |
34 |
50 |
39 |
| Other Assets |
|
64 |
97 |
135 |
135 |
152 |
173 |
187 |
196 |
245 |
320 |
375 |
| Total Liabilities & Shareholders' Equity |
|
2,568 |
3,259 |
3,432 |
3,582 |
3,991 |
4,354 |
4,761 |
7,100 |
7,207 |
9,157 |
9,254 |
| Total Liabilities |
|
2,228 |
2,839 |
2,997 |
3,123 |
3,471 |
3,760 |
4,185 |
6,218 |
6,422 |
8,104 |
8,143 |
| Non-Interest Bearing Deposits |
|
493 |
718 |
734 |
556 |
608 |
671 |
997 |
1,641 |
1,589 |
1,568 |
1,508 |
| Interest Bearing Deposits |
|
1,440 |
1,818 |
1,775 |
2,174 |
2,348 |
2,620 |
2,913 |
4,221 |
4,128 |
5,535 |
6,083 |
| Short-Term Debt |
|
88 |
160 |
306 |
209 |
356 |
317 |
73 |
166 |
500 |
650 |
193 |
| Long-Term Debt |
|
179 |
114 |
145 |
144 |
110 |
83 |
111 |
99 |
101 |
216 |
238 |
| Other Long-Term Liabilities |
|
27 |
29 |
37 |
49 |
50 |
68 |
91 |
90 |
104 |
134 |
121 |
| Total Equity & Noncontrolling Interests |
|
340 |
420 |
435 |
459 |
520 |
594 |
576 |
882 |
785 |
1,054 |
1,112 |
| Total Preferred & Common Equity |
|
340 |
420 |
435 |
459 |
520 |
594 |
576 |
845 |
785 |
1,054 |
1,112 |
| Preferred Stock |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| Total Common Equity |
|
340 |
420 |
435 |
459 |
520 |
594 |
576 |
882 |
785 |
1,054 |
1,112 |
| Common Stock |
|
266 |
344 |
344 |
345 |
387 |
421 |
423 |
686 |
686 |
865 |
867 |
| Retained Earnings |
|
90 |
91 |
110 |
134 |
160 |
187 |
191 |
207 |
266 |
327 |
388 |
| Treasury Stock |
|
-15 |
-15 |
-18 |
-16 |
-14 |
-12 |
-39 |
- |
-40 |
-37 |
-33 |
| Accumulated Other Comprehensive Income / (Loss) |
|
-1.30 |
-0.36 |
-1.55 |
-5.22 |
-13 |
-1.43 |
1.34 |
-12 |
-127 |
-102 |
-110 |
Quarterly Balance Sheets for Peoples Bancorp
This table presents Peoples Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.
| Metric |
|
Q2 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q1 2025 |
Q2 2025 |
| Total Assets |
|
7,278 |
7,312 |
8,787 |
8,943 |
9,271 |
9,226 |
9,140 |
9,246 |
9,541 |
| Cash and Due from Banks |
|
92 |
97 |
92 |
108 |
104 |
120 |
139 |
126 |
122 |
| Interest Bearing Deposits at Other Banks |
|
306 |
60 |
56 |
191 |
326 |
116 |
144 |
61 |
64 |
| Trading Account Securities |
|
1,710 |
1,796 |
1,871 |
1,760 |
1,859 |
1,884 |
1,830 |
1,878 |
1,952 |
| Loans and Leases, Net of Allowance |
|
4,524 |
4,706 |
5,913 |
6,021 |
6,138 |
6,259 |
6,205 |
6,363 |
6,527 |
| Loans and Leases |
|
4,576 |
4,760 |
5,975 |
6,084 |
6,203 |
6,325 |
6,272 |
6,429 |
6,602 |
| Allowance for Loan and Lease Losses |
|
52 |
53 |
61 |
63 |
65 |
66 |
67 |
65 |
75 |
| Loans Held for Sale |
|
2.13 |
2.53 |
3.22 |
2.70 |
3.03 |
3.83 |
3.25 |
2.41 |
3.05 |
| Premises and Equipment, Net |
|
87 |
87 |
104 |
104 |
107 |
107 |
105 |
104 |
104 |
| Goodwill |
|
290 |
293 |
356 |
355 |
362 |
362 |
362 |
363 |
363 |
| Intangible Assets |
|
38 |
32 |
57 |
53 |
47 |
44 |
42 |
37 |
35 |
| Other Assets |
|
230 |
4,944 |
334 |
347 |
325 |
331 |
309 |
311 |
371 |
| Total Liabilities & Shareholders' Equity |
|
7,278 |
7,312 |
8,787 |
8,943 |
9,271 |
9,226 |
9,140 |
9,246 |
9,541 |
| Total Liabilities |
|
6,491 |
6,492 |
7,788 |
7,949 |
8,209 |
8,149 |
8,015 |
8,108 |
8,387 |
| Non-Interest Bearing Deposits |
|
1,662 |
1,555 |
1,683 |
1,569 |
1,468 |
1,473 |
1,453 |
1,526 |
1,531 |
| Interest Bearing Deposits |
|
4,267 |
4,233 |
5,277 |
5,468 |
5,858 |
5,825 |
6,030 |
6,208 |
6,106 |
| Short-Term Debt |
|
326 |
491 |
570 |
585 |
513 |
483 |
176 |
19 |
397 |
| Long-Term Debt |
|
124 |
96 |
124 |
173 |
236 |
234 |
237 |
237 |
232 |
| Other Long-Term Liabilities |
|
112 |
117 |
134 |
153 |
132 |
134 |
120 |
117 |
121 |
| Total Equity & Noncontrolling Interests |
|
787 |
820 |
999 |
993 |
1,062 |
1,078 |
1,125 |
1,138 |
1,153 |
| Total Preferred & Common Equity |
|
787 |
820 |
999 |
993 |
1,062 |
1,078 |
1,125 |
1,138 |
1,153 |
| Preferred Stock |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| Total Common Equity |
|
787 |
820 |
999 |
993 |
1,062 |
1,078 |
1,125 |
1,138 |
1,153 |
| Common Stock |
|
684 |
684 |
863 |
864 |
862 |
864 |
865 |
866 |
868 |
| Retained Earnings |
|
235 |
282 |
289 |
308 |
343 |
358 |
375 |
398 |
406 |
| Treasury Stock |
|
-39 |
-36 |
-35 |
-35 |
-34 |
-34 |
-33 |
-31 |
-31 |
| Accumulated Other Comprehensive Income / (Loss) |
|
-93 |
-111 |
-119 |
-144 |
-109 |
-110 |
-82 |
-96 |
-90 |
Annual Metrics And Ratios for Peoples Bancorp
This table displays calculated financial ratios and metrics derived from Peoples Bancorp's official financial filings.
| Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
| Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Revenue Growth |
|
17.85% |
31.47% |
6.88% |
9.77% |
10.31% |
10.06% |
-1.23% |
19.17% |
37.62% |
28.44% |
4.99% |
| EBITDA Growth |
|
-17.35% |
-10.80% |
87.96% |
20.31% |
-2.92% |
13.77% |
-17.95% |
19.52% |
78.84% |
1.94% |
2.81% |
| EBIT Growth |
|
-16.87% |
-38.72% |
193.30% |
31.63% |
-3.95% |
18.96% |
-34.75% |
33.59% |
125.80% |
12.81% |
2.99% |
| NOPAT Growth |
|
-5.06% |
-34.42% |
168.08% |
31.16% |
20.15% |
16.17% |
-35.25% |
36.78% |
113.00% |
11.92% |
3.39% |
| Net Income Growth |
|
-5.06% |
-34.42% |
184.77% |
23.47% |
20.23% |
16.08% |
-35.25% |
36.78% |
113.00% |
11.92% |
3.39% |
| EPS Growth |
|
-17.18% |
-54.81% |
180.33% |
22.81% |
14.76% |
9.13% |
-34.22% |
24.28% |
67.44% |
-4.44% |
-3.78% |
| Operating Cash Flow Growth |
|
-22.17% |
52.03% |
26.68% |
0.61% |
23.29% |
-10.75% |
27.29% |
82.98% |
-23.39% |
19.86% |
-0.32% |
| Free Cash Flow Firm Growth |
|
-225.81% |
43.64% |
-115.90% |
169.02% |
-213.58% |
135.39% |
497.02% |
-212.67% |
42.66% |
-141.19% |
217.60% |
| Invested Capital Growth |
|
32.94% |
14.22% |
27.70% |
-8.34% |
21.41% |
0.86% |
-23.63% |
46.28% |
24.80% |
38.49% |
-19.64% |
| Revenue Q/Q Growth |
|
5.34% |
5.21% |
-0.40% |
3.65% |
3.21% |
1.80% |
-0.72% |
0.00% |
0.00% |
5.66% |
0.00% |
| EBITDA Q/Q Growth |
|
47.59% |
84.15% |
50.17% |
36.02% |
30.74% |
22.77% |
76.73% |
0.00% |
0.00% |
2.25% |
0.00% |
| EBIT Q/Q Growth |
|
-4.47% |
-18.11% |
15.74% |
10.47% |
4.53% |
1.40% |
20.34% |
0.00% |
0.00% |
7.04% |
0.00% |
| NOPAT Q/Q Growth |
|
-4.95% |
-13.19% |
11.39% |
9.75% |
11.76% |
2.23% |
19.66% |
0.00% |
0.00% |
6.56% |
0.00% |
| Net Income Q/Q Growth |
|
-4.95% |
-13.19% |
18.32% |
4.32% |
11.84% |
1.83% |
19.66% |
0.00% |
0.00% |
6.56% |
0.00% |
| EPS Q/Q Growth |
|
-12.90% |
-15.28% |
16.33% |
4.48% |
10.05% |
0.38% |
21.83% |
0.00% |
0.00% |
0.00% |
0.00% |
| Operating Cash Flow Q/Q Growth |
|
13.44% |
10.92% |
2.84% |
-5.11% |
14.98% |
-13.35% |
21.04% |
0.00% |
0.00% |
10.14% |
7.03% |
| Free Cash Flow Firm Q/Q Growth |
|
-71.80% |
30.83% |
-199.63% |
284.45% |
-434.87% |
1,068.45% |
108.10% |
0.00% |
0.00% |
74.46% |
0.00% |
| Invested Capital Q/Q Growth |
|
10.72% |
3.51% |
17.98% |
-4.12% |
8.09% |
3.50% |
-11.72% |
0.00% |
0.00% |
9.61% |
0.00% |
| Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| EBITDA Margin |
|
34.10% |
23.14% |
40.69% |
44.60% |
39.25% |
40.57% |
33.71% |
33.80% |
43.93% |
34.86% |
34.14% |
| EBIT Margin |
|
22.08% |
10.29% |
28.24% |
33.86% |
29.48% |
31.86% |
21.05% |
23.60% |
38.71% |
34.00% |
33.36% |
| Profit (Net Income) Margin |
|
15.23% |
7.60% |
20.24% |
22.77% |
24.82% |
26.18% |
17.16% |
19.70% |
30.48% |
26.56% |
26.16% |
| Tax Burden Percent |
|
69.00% |
73.85% |
71.70% |
67.25% |
84.51% |
82.16% |
81.52% |
83.47% |
78.74% |
78.11% |
78.42% |
| Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
99.62% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
| Effective Tax Rate |
|
31.00% |
26.15% |
32.50% |
32.75% |
15.87% |
17.84% |
18.48% |
16.53% |
21.26% |
21.89% |
21.58% |
| Return on Invested Capital (ROIC) |
|
3.13% |
1.68% |
3.71% |
4.53% |
5.14% |
5.42% |
3.96% |
5.08% |
8.11% |
6.86% |
6.77% |
| ROIC Less NNEP Spread (ROIC-NNEP) |
|
3.13% |
1.68% |
4.22% |
4.53% |
5.15% |
5.42% |
3.96% |
5.08% |
8.11% |
6.86% |
6.77% |
| Return on Net Nonoperating Assets (RNNOA) |
|
2.81% |
1.20% |
3.57% |
4.08% |
4.31% |
4.21% |
1.98% |
1.44% |
4.04% |
5.47% |
4.06% |
| Return on Equity (ROE) |
|
5.94% |
2.88% |
7.29% |
8.61% |
9.45% |
9.64% |
5.94% |
6.53% |
12.15% |
12.33% |
10.83% |
| Cash Return on Invested Capital (CROIC) |
|
-25.14% |
-11.59% |
-20.62% |
13.24% |
-14.20% |
4.56% |
30.76% |
-32.50% |
-13.96% |
-25.42% |
28.55% |
| Operating Return on Assets (OROA) |
|
1.05% |
0.51% |
1.30% |
1.63% |
1.45% |
1.57% |
0.94% |
0.96% |
1.80% |
1.77% |
1.62% |
| Return on Assets (ROA) |
|
0.72% |
0.38% |
0.93% |
1.10% |
1.22% |
1.29% |
0.76% |
0.80% |
1.42% |
1.39% |
1.27% |
| Return on Common Equity (ROCE) |
|
5.94% |
2.88% |
7.29% |
8.61% |
9.45% |
9.64% |
5.94% |
6.53% |
12.15% |
12.33% |
10.83% |
| Return on Equity Simple (ROE_SIMPLE) |
|
4.91% |
2.61% |
7.16% |
8.39% |
8.89% |
9.03% |
6.04% |
5.63% |
12.90% |
10.76% |
10.54% |
| Net Operating Profit after Tax (NOPAT) |
|
17 |
11 |
29 |
38 |
46 |
54 |
35 |
48 |
101 |
113 |
117 |
| NOPAT Margin |
|
15.23% |
7.60% |
19.06% |
22.77% |
24.80% |
26.18% |
17.16% |
19.70% |
30.48% |
26.56% |
26.16% |
| Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
-0.50% |
0.00% |
-0.01% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| SG&A Expenses to Revenue |
|
54.01% |
53.43% |
47.77% |
45.61% |
47.20% |
48.22% |
48.72% |
51.25% |
45.62% |
45.56% |
45.97% |
| Operating Expenses to Revenue |
|
77.62% |
79.92% |
69.47% |
63.91% |
67.60% |
66.91% |
65.99% |
76.10% |
62.34% |
62.44% |
61.11% |
| Earnings before Interest and Taxes (EBIT) |
|
24 |
15 |
43 |
57 |
55 |
65 |
43 |
57 |
129 |
145 |
149 |
| Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
37 |
33 |
63 |
75 |
73 |
83 |
68 |
82 |
146 |
149 |
153 |
| Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Price to Book Value (P/BV) |
|
0.72 |
0.57 |
0.96 |
0.94 |
0.85 |
0.94 |
0.77 |
0.88 |
0.90 |
1.06 |
1.00 |
| Price to Tangible Book Value (P/TBV) |
|
1.06 |
0.88 |
1.44 |
1.38 |
1.23 |
1.34 |
1.13 |
1.31 |
1.54 |
1.74 |
1.57 |
| Price to Revenue (P/Rev) |
|
2.24 |
1.65 |
2.71 |
2.56 |
2.36 |
2.73 |
2.18 |
3.22 |
2.13 |
2.62 |
2.48 |
| Price to Earnings (P/E) |
|
14.68 |
21.74 |
14.23 |
11.24 |
9.53 |
10.42 |
12.68 |
16.33 |
6.99 |
9.86 |
9.49 |
| Dividend Yield |
|
3.47% |
4.64% |
2.79% |
3.55% |
4.97% |
4.88% |
6.13% |
5.21% |
6.00% |
4.90% |
5.08% |
| Earnings Yield |
|
6.81% |
4.60% |
7.03% |
8.89% |
10.50% |
9.60% |
7.88% |
6.12% |
14.31% |
10.14% |
10.54% |
| Enterprise Value to Invested Capital (EV/IC) |
|
0.74 |
0.64 |
0.91 |
0.88 |
0.84 |
0.85 |
0.62 |
0.19 |
0.83 |
0.81 |
0.86 |
| Enterprise Value to Revenue (EV/Rev) |
|
4.12 |
3.06 |
5.21 |
4.23 |
4.45 |
4.12 |
2.33 |
0.87 |
3.48 |
3.65 |
2.96 |
| Enterprise Value to EBITDA (EV/EBITDA) |
|
12.07 |
13.23 |
12.81 |
9.47 |
11.33 |
10.15 |
6.92 |
2.59 |
7.91 |
10.47 |
8.67 |
| Enterprise Value to EBIT (EV/EBIT) |
|
18.64 |
29.75 |
18.46 |
12.48 |
15.09 |
12.92 |
11.08 |
3.70 |
8.98 |
10.74 |
8.87 |
| Enterprise Value to NOPAT (EV/NOPAT) |
|
27.02 |
40.29 |
27.35 |
18.56 |
17.93 |
15.73 |
13.60 |
4.44 |
11.40 |
13.75 |
11.32 |
| Enterprise Value to Operating Cash Flow (EV/OCF) |
|
14.31 |
9.21 |
13.22 |
11.70 |
11.02 |
12.57 |
5.53 |
1.35 |
9.64 |
10.85 |
9.26 |
| Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
0.00 |
6.35 |
0.00 |
18.69 |
1.75 |
0.00 |
0.00 |
0.00 |
2.68 |
| Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Debt to Equity |
|
0.79 |
0.65 |
1.04 |
0.77 |
0.90 |
0.67 |
0.32 |
0.30 |
0.77 |
0.82 |
0.39 |
| Long-Term Debt to Equity |
|
0.53 |
0.27 |
0.33 |
0.31 |
0.21 |
0.14 |
0.19 |
0.11 |
0.13 |
0.21 |
0.21 |
| Financial Leverage |
|
0.90 |
0.71 |
0.85 |
0.90 |
0.84 |
0.78 |
0.50 |
0.28 |
0.50 |
0.80 |
0.60 |
| Leverage Ratio |
|
8.24 |
7.67 |
7.83 |
7.85 |
7.74 |
7.49 |
7.79 |
8.11 |
8.56 |
8.90 |
8.50 |
| Compound Leverage Factor |
|
8.24 |
7.67 |
7.83 |
7.85 |
7.71 |
7.49 |
7.79 |
8.11 |
8.56 |
8.90 |
8.50 |
| Debt to Total Capital |
|
44.01% |
39.50% |
50.87% |
43.53% |
47.25% |
40.23% |
24.20% |
23.17% |
43.36% |
45.14% |
27.97% |
| Short-Term Debt to Total Capital |
|
14.53% |
23.12% |
34.49% |
25.80% |
36.13% |
31.87% |
9.65% |
14.51% |
36.07% |
33.88% |
12.54% |
| Long-Term Debt to Total Capital |
|
29.48% |
16.38% |
16.38% |
17.73% |
11.12% |
8.36% |
14.56% |
8.67% |
7.29% |
11.26% |
15.43% |
| Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| Common Equity to Total Capital |
|
55.99% |
60.50% |
49.13% |
56.47% |
52.75% |
59.77% |
75.80% |
76.83% |
56.64% |
54.86% |
72.03% |
| Debt to EBITDA |
|
7.16 |
8.23 |
7.20 |
4.69 |
6.37 |
4.81 |
2.69 |
3.26 |
4.12 |
5.83 |
2.82 |
| Net Debt to EBITDA |
|
5.51 |
6.09 |
6.14 |
3.73 |
5.31 |
3.42 |
0.46 |
-6.93 |
3.06 |
2.96 |
1.40 |
| Long-Term Debt to EBITDA |
|
4.79 |
3.41 |
2.32 |
1.91 |
1.50 |
1.00 |
1.62 |
1.22 |
0.69 |
1.45 |
1.56 |
| Debt to NOPAT |
|
16.02 |
25.05 |
15.37 |
9.19 |
10.08 |
7.45 |
5.29 |
5.59 |
5.94 |
7.65 |
3.68 |
| Net Debt to NOPAT |
|
12.34 |
18.55 |
13.11 |
7.31 |
8.40 |
5.31 |
0.91 |
-11.89 |
4.42 |
3.88 |
1.82 |
| Long-Term Debt to NOPAT |
|
10.73 |
10.39 |
4.95 |
3.74 |
2.37 |
1.55 |
3.18 |
2.09 |
1.00 |
1.91 |
2.03 |
| Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Free Cash Flow to Firm (FCFF) |
|
-134 |
-75 |
-163 |
112 |
-128 |
45 |
270 |
-304 |
-174 |
-420 |
494 |
| Operating Cash Flow to CapEx |
|
37.85% |
54.83% |
39.29% |
1,254.41% |
1,660.63% |
2,390.78% |
1,988.44% |
2,339.87% |
1,774.60% |
1,067.34% |
2,098.90% |
| Free Cash Flow to Firm to Interest Expense |
|
-12.51 |
-7.04 |
-15.39 |
8.55 |
-5.90 |
1.54 |
14.84 |
-24.84 |
-10.82 |
-4.20 |
2.87 |
| Operating Cash Flow to Interest Expense |
|
2.95 |
4.47 |
5.73 |
4.64 |
3.48 |
2.30 |
4.70 |
12.78 |
7.44 |
1.44 |
0.83 |
| Operating Cash Flow Less CapEx to Interest Expense |
|
-4.84 |
-3.68 |
-8.86 |
4.27 |
3.27 |
2.20 |
4.47 |
12.24 |
7.02 |
1.30 |
0.79 |
| Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Asset Turnover |
|
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.04 |
0.04 |
0.05 |
0.05 |
0.05 |
| Fixed Asset Turnover |
|
3.12 |
3.07 |
2.87 |
3.18 |
3.42 |
3.47 |
3.32 |
3.23 |
3.86 |
4.57 |
4.32 |
| Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Invested Capital |
|
607 |
694 |
886 |
812 |
986 |
994 |
760 |
1,111 |
1,387 |
1,920 |
1,543 |
| Invested Capital Turnover |
|
0.21 |
0.22 |
0.19 |
0.20 |
0.21 |
0.21 |
0.23 |
0.26 |
0.27 |
0.26 |
0.26 |
| Increase / (Decrease) in Invested Capital |
|
151 |
86 |
192 |
-74 |
174 |
8.51 |
-235 |
351 |
276 |
534 |
-377 |
| Enterprise Value (EV) |
|
451 |
441 |
802 |
714 |
829 |
844 |
473 |
211 |
1,155 |
1,558 |
1,326 |
| Market Capitalization |
|
245 |
238 |
417 |
433 |
441 |
560 |
441 |
777 |
708 |
1,118 |
1,112 |
| Book Value per Share |
|
$24.04 |
$22.81 |
$23.92 |
$25.09 |
$26.60 |
$28.73 |
$29.19 |
$31.19 |
$28.14 |
$29.79 |
$31.28 |
| Tangible Book Value per Share |
|
$16.32 |
$14.68 |
$15.90 |
$17.18 |
$18.31 |
$20.15 |
$19.83 |
$20.89 |
$16.45 |
$18.14 |
$19.96 |
| Total Capital |
|
607 |
694 |
886 |
812 |
986 |
994 |
760 |
1,148 |
1,387 |
1,920 |
1,543 |
| Total Debt |
|
267 |
274 |
451 |
354 |
466 |
400 |
184 |
266 |
601 |
867 |
432 |
| Total Long-Term Debt |
|
179 |
114 |
145 |
144 |
110 |
83 |
111 |
99 |
101 |
216 |
238 |
| Net Debt |
|
206 |
203 |
385 |
281 |
388 |
285 |
32 |
-565 |
447 |
440 |
214 |
| Capital Expenditures (CapEx) |
|
83 |
87 |
154 |
4.87 |
4.53 |
2.81 |
4.30 |
6.69 |
6.75 |
13 |
6.82 |
| Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
-1.83 |
0.00 |
-0.03 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| Net Nonoperating Obligations (NNO) |
|
267 |
274 |
451 |
354 |
466 |
400 |
184 |
229 |
601 |
867 |
432 |
| Total Depreciation and Amortization (D&A) |
|
13 |
19 |
19 |
18 |
18 |
18 |
26 |
25 |
17 |
3.67 |
3.51 |
| Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Adjusted Basic Earnings per Share |
|
$1.36 |
$0.62 |
$1.72 |
$2.12 |
$2.42 |
$2.65 |
$1.74 |
$2.17 |
$3.61 |
$3.46 |
$3.34 |
| Adjusted Weighted Average Basic Shares Outstanding |
|
12.18M |
17.56M |
18.01M |
18.05M |
18.99M |
20.12M |
19.72M |
21.82M |
27.91M |
32.53M |
34.78M |
| Adjusted Diluted Earnings per Share |
|
$1.35 |
$0.61 |
$1.71 |
$2.10 |
$2.41 |
$2.63 |
$1.73 |
$2.15 |
$3.60 |
$3.44 |
$3.31 |
| Adjusted Weighted Average Diluted Shares Outstanding |
|
12.31M |
17.69M |
18.16M |
18.21M |
19.12M |
20.27M |
19.84M |
21.96M |
28.00M |
32.76M |
35.15M |
| Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
| Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
14.89M |
18.18M |
18.26M |
18.35M |
19.68M |
20.74M |
19.62M |
28.44M |
28.47M |
35.49M |
35.67M |
| Normalized Net Operating Profit after Tax (NOPAT) |
|
17 |
11 |
29 |
38 |
46 |
54 |
35 |
48 |
101 |
113 |
117 |
| Normalized NOPAT Margin |
|
15.23% |
7.60% |
19.06% |
22.77% |
24.80% |
26.18% |
17.16% |
19.70% |
30.48% |
26.56% |
26.16% |
| Pre Tax Income Margin |
|
22.08% |
10.29% |
28.24% |
33.86% |
29.37% |
31.86% |
21.05% |
23.60% |
38.71% |
34.00% |
33.36% |
| Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| EBIT to Interest Expense |
|
2.26 |
1.38 |
4.11 |
4.35 |
2.54 |
2.23 |
2.35 |
4.66 |
7.98 |
1.45 |
0.87 |
| NOPAT to Interest Expense |
|
1.56 |
1.02 |
2.77 |
2.93 |
2.13 |
1.84 |
1.91 |
3.89 |
6.29 |
1.13 |
0.68 |
| EBIT Less CapEx to Interest Expense |
|
-5.52 |
-6.76 |
-10.49 |
3.98 |
2.33 |
2.14 |
2.11 |
4.11 |
7.57 |
1.32 |
0.83 |
| NOPAT Less CapEx to Interest Expense |
|
-6.22 |
-7.12 |
-11.82 |
2.56 |
1.93 |
1.74 |
1.68 |
3.34 |
5.87 |
1.00 |
0.64 |
| Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Dividend Payout Ratio |
|
40.56% |
91.99% |
35.86% |
38.23% |
45.22% |
48.31% |
77.81% |
65.19% |
41.83% |
45.73% |
47.63% |
| Augmented Payout Ratio |
|
40.56% |
91.99% |
51.80% |
38.23% |
45.22% |
49.81% |
165.27% |
65.19% |
49.14% |
48.41% |
50.19% |
Quarterly Metrics And Ratios for Peoples Bancorp
This table displays calculated financial ratios and metrics derived from Peoples Bancorp's official financial filings.
| Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
| Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Revenue Growth |
|
0.00% |
23.64% |
30.94% |
33.24% |
25.50% |
22.28% |
4.20% |
-2.38% |
-0.78% |
-0.06% |
3.75% |
| EBITDA Growth |
|
0.00% |
13.54% |
-10.98% |
24.28% |
30.08% |
14.55% |
28.61% |
-0.78% |
-19.54% |
-17.35% |
-23.28% |
| EBIT Growth |
|
0.00% |
13.77% |
-14.09% |
21.99% |
28.10% |
12.63% |
31.60% |
0.37% |
-19.93% |
-17.11% |
-23.48% |
| NOPAT Growth |
|
0.00% |
12.65% |
-15.24% |
22.73% |
25.98% |
11.39% |
37.50% |
-0.62% |
-20.38% |
-17.74% |
-26.87% |
| Net Income Growth |
|
0.00% |
12.65% |
-15.24% |
22.73% |
25.98% |
11.39% |
37.50% |
-0.62% |
-20.38% |
-17.74% |
-26.87% |
| EPS Growth |
|
0.00% |
11.90% |
-27.27% |
-2.17% |
0.00% |
-10.64% |
28.13% |
-1.11% |
-20.83% |
-19.05% |
-28.05% |
| Operating Cash Flow Growth |
|
0.00% |
205.52% |
-67.60% |
25.31% |
76.24% |
-22.89% |
0.00% |
-31.60% |
30.76% |
-7.38% |
57.90% |
| Free Cash Flow Firm Growth |
|
29.23% |
39.76% |
-352.10% |
0.00% |
-100.98% |
-67.23% |
83.10% |
114.30% |
180.83% |
217.46% |
145.55% |
| Invested Capital Growth |
|
24.80% |
21.80% |
36.82% |
0.00% |
38.49% |
28.88% |
6.05% |
-12.23% |
-19.64% |
-23.06% |
-0.68% |
| Revenue Q/Q Growth |
|
2.55% |
2.56% |
15.15% |
10.02% |
-3.41% |
-0.07% |
0.00% |
3.07% |
-1.83% |
0.65% |
1.87% |
| EBITDA Q/Q Growth |
|
1.60% |
-1.39% |
-15.26% |
46.39% |
6.34% |
-13.16% |
0.00% |
12.94% |
-13.77% |
-10.80% |
-11.69% |
| EBIT Q/Q Growth |
|
1.77% |
-1.10% |
-18.88% |
49.40% |
6.87% |
-13.04% |
0.00% |
13.95% |
-14.74% |
-9.98% |
-12.51% |
| NOPAT Q/Q Growth |
|
3.35% |
-1.08% |
-20.57% |
51.13% |
6.09% |
-12.54% |
0.00% |
9.23% |
-15.00% |
-9.63% |
-12.84% |
| Net Income Q/Q Growth |
|
3.35% |
-1.08% |
-20.57% |
51.13% |
6.09% |
-12.54% |
0.00% |
9.23% |
-15.00% |
-9.63% |
-12.84% |
| EPS Q/Q Growth |
|
4.35% |
-2.08% |
-31.91% |
40.63% |
6.67% |
-12.50% |
0.00% |
8.54% |
-14.61% |
-10.53% |
-13.24% |
| Operating Cash Flow Q/Q Growth |
|
-56.43% |
176.82% |
-68.28% |
227.48% |
-38.71% |
21.11% |
0.00% |
0.00% |
17.15% |
-14.22% |
47.94% |
| Free Cash Flow Firm Q/Q Growth |
|
0.00% |
9.52% |
-93.01% |
-295.99% |
70.94% |
16.46% |
0.00% |
435.05% |
64.31% |
9.41% |
-92.44% |
| Invested Capital Q/Q Growth |
|
0.00% |
1.39% |
20.38% |
3.52% |
9.61% |
-3.16% |
0.00% |
-14.32% |
0.35% |
-9.66% |
27.87% |
| Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| EBITDA Margin |
|
40.13% |
38.59% |
28.40% |
37.78% |
41.60% |
36.15% |
35.05% |
38.40% |
33.73% |
29.90% |
25.92% |
| EBIT Margin |
|
37.90% |
36.55% |
25.75% |
34.97% |
38.69% |
33.67% |
32.52% |
35.95% |
31.23% |
27.93% |
23.99% |
| Profit (Net Income) Margin |
|
29.95% |
28.89% |
19.93% |
27.37% |
30.07% |
26.32% |
26.29% |
27.86% |
24.13% |
21.66% |
18.53% |
| Tax Burden Percent |
|
79.01% |
79.03% |
77.38% |
78.28% |
77.71% |
78.16% |
80.85% |
77.50% |
77.26% |
77.56% |
77.27% |
| Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
| Effective Tax Rate |
|
20.99% |
20.97% |
22.62% |
21.72% |
22.29% |
21.84% |
19.15% |
22.50% |
22.74% |
22.44% |
22.73% |
| Return on Invested Capital (ROIC) |
|
7.97% |
7.90% |
5.10% |
12.62% |
7.76% |
7.32% |
0.00% |
0.00% |
6.24% |
6.05% |
4.68% |
| ROIC Less NNEP Spread (ROIC-NNEP) |
|
7.97% |
7.90% |
5.10% |
12.62% |
7.76% |
7.32% |
0.00% |
0.00% |
6.24% |
6.05% |
4.68% |
| Return on Net Nonoperating Assets (RNNOA) |
|
3.97% |
4.52% |
3.27% |
9.64% |
6.20% |
5.20% |
0.00% |
0.00% |
3.74% |
2.77% |
2.83% |
| Return on Equity (ROE) |
|
11.94% |
12.42% |
8.37% |
22.26% |
13.96% |
12.51% |
0.00% |
0.00% |
9.99% |
8.82% |
7.51% |
| Cash Return on Invested Capital (CROIC) |
|
-13.96% |
-11.51% |
-24.24% |
-187.86% |
-25.42% |
-18.00% |
0.00% |
0.00% |
28.55% |
33.05% |
6.51% |
| Operating Return on Assets (OROA) |
|
1.77% |
1.76% |
1.20% |
3.16% |
2.02% |
1.82% |
0.00% |
0.00% |
1.52% |
1.35% |
1.16% |
| Return on Assets (ROA) |
|
1.39% |
1.39% |
0.93% |
2.47% |
1.57% |
1.42% |
0.00% |
0.00% |
1.17% |
1.05% |
0.89% |
| Return on Common Equity (ROCE) |
|
11.94% |
12.42% |
8.37% |
22.26% |
13.96% |
12.51% |
0.00% |
0.00% |
9.99% |
8.82% |
7.51% |
| Return on Equity Simple (ROE_SIMPLE) |
|
0.00% |
12.72% |
10.06% |
10.71% |
0.00% |
10.96% |
0.00% |
0.00% |
0.00% |
9.84% |
9.03% |
| Net Operating Profit after Tax (NOPAT) |
|
27 |
27 |
21 |
32 |
34 |
30 |
29 |
32 |
27 |
24 |
21 |
| NOPAT Margin |
|
29.95% |
28.89% |
19.93% |
27.37% |
30.07% |
26.32% |
26.29% |
27.86% |
24.13% |
21.66% |
18.53% |
| Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| SG&A Expenses to Revenue |
|
45.46% |
46.20% |
46.75% |
42.64% |
46.93% |
46.26% |
45.44% |
44.04% |
48.18% |
47.92% |
46.63% |
| Operating Expenses to Revenue |
|
59.53% |
61.43% |
66.71% |
61.55% |
60.17% |
60.90% |
62.33% |
58.12% |
63.16% |
63.00% |
61.47% |
| Earnings before Interest and Taxes (EBIT) |
|
34 |
34 |
27 |
41 |
44 |
38 |
36 |
41 |
35 |
31 |
27 |
| Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
36 |
35 |
30 |
44 |
47 |
41 |
39 |
44 |
38 |
34 |
30 |
| Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Price to Book Value (P/BV) |
|
0.90 |
0.81 |
0.71 |
0.86 |
1.06 |
0.95 |
0.00 |
0.95 |
1.00 |
0.93 |
0.94 |
| Price to Tangible Book Value (P/TBV) |
|
1.54 |
1.34 |
1.21 |
1.45 |
1.74 |
1.54 |
0.00 |
1.48 |
1.57 |
1.43 |
1.44 |
| Price to Revenue (P/Rev) |
|
2.13 |
1.90 |
1.89 |
2.11 |
2.62 |
2.25 |
0.00 |
0.00 |
2.48 |
2.36 |
2.41 |
| Price to Earnings (P/E) |
|
6.99 |
6.38 |
7.03 |
8.00 |
9.86 |
8.65 |
0.00 |
0.00 |
9.49 |
9.45 |
10.45 |
| Dividend Yield |
|
6.00% |
6.50% |
6.17% |
6.40% |
4.90% |
5.48% |
5.30% |
5.25% |
5.08% |
5.39% |
5.27% |
| Earnings Yield |
|
14.31% |
15.67% |
14.22% |
12.51% |
10.14% |
11.56% |
0.00% |
0.00% |
10.54% |
10.58% |
9.57% |
| Enterprise Value to Invested Capital (EV/IC) |
|
0.83 |
0.78 |
0.74 |
0.75 |
0.81 |
0.73 |
0.00 |
0.78 |
0.86 |
0.81 |
0.86 |
| Enterprise Value to Revenue (EV/Rev) |
|
3.48 |
3.13 |
3.34 |
3.24 |
3.65 |
2.97 |
0.00 |
0.00 |
2.96 |
2.52 |
3.39 |
| Enterprise Value to EBITDA (EV/EBITDA) |
|
7.91 |
7.78 |
9.14 |
9.00 |
10.47 |
8.21 |
0.00 |
0.00 |
8.67 |
7.34 |
10.60 |
| Enterprise Value to EBIT (EV/EBIT) |
|
8.98 |
8.25 |
9.76 |
9.66 |
10.74 |
8.88 |
0.00 |
0.00 |
8.87 |
7.88 |
11.38 |
| Enterprise Value to NOPAT (EV/NOPAT) |
|
11.40 |
10.50 |
12.46 |
12.32 |
13.75 |
11.40 |
0.00 |
0.00 |
11.32 |
10.07 |
14.71 |
| Enterprise Value to Operating Cash Flow (EV/OCF) |
|
9.64 |
7.20 |
10.40 |
10.05 |
10.85 |
10.00 |
0.00 |
8.95 |
9.26 |
8.03 |
9.63 |
| Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
2.68 |
2.13 |
13.16 |
| Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Debt to Equity |
|
0.77 |
0.72 |
0.69 |
0.76 |
0.82 |
0.71 |
0.67 |
0.37 |
0.39 |
0.23 |
0.55 |
| Long-Term Debt to Equity |
|
0.13 |
0.12 |
0.12 |
0.17 |
0.21 |
0.22 |
0.22 |
0.21 |
0.21 |
0.21 |
0.20 |
| Financial Leverage |
|
0.50 |
0.57 |
0.64 |
0.76 |
0.80 |
0.71 |
0.68 |
0.55 |
0.60 |
0.46 |
0.60 |
| Leverage Ratio |
|
8.56 |
8.94 |
9.00 |
9.00 |
8.90 |
8.81 |
8.67 |
8.54 |
8.50 |
8.42 |
8.41 |
| Compound Leverage Factor |
|
8.56 |
8.94 |
9.00 |
9.00 |
8.90 |
8.81 |
8.67 |
8.54 |
8.50 |
8.42 |
8.41 |
| Debt to Total Capital |
|
43.36% |
41.70% |
40.98% |
43.31% |
45.14% |
41.38% |
39.95% |
26.84% |
27.97% |
18.38% |
35.30% |
| Short-Term Debt to Total Capital |
|
36.07% |
34.90% |
33.68% |
33.42% |
33.88% |
28.34% |
26.90% |
11.44% |
12.54% |
1.38% |
22.26% |
| Long-Term Debt to Total Capital |
|
7.29% |
6.80% |
7.30% |
9.89% |
11.26% |
13.04% |
13.05% |
15.40% |
15.43% |
17.00% |
13.04% |
| Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| Common Equity to Total Capital |
|
56.64% |
58.30% |
59.02% |
56.69% |
54.86% |
58.62% |
60.05% |
73.16% |
72.03% |
81.62% |
64.70% |
| Debt to EBITDA |
|
4.12 |
4.17 |
5.06 |
5.21 |
5.83 |
4.64 |
0.00 |
0.00 |
2.82 |
1.67 |
4.35 |
| Net Debt to EBITDA |
|
3.06 |
3.05 |
3.98 |
3.16 |
2.96 |
1.98 |
0.00 |
0.00 |
1.40 |
0.45 |
3.07 |
| Long-Term Debt to EBITDA |
|
0.69 |
0.68 |
0.90 |
1.19 |
1.45 |
1.46 |
0.00 |
0.00 |
1.56 |
1.54 |
1.61 |
| Debt to NOPAT |
|
5.94 |
5.62 |
6.90 |
7.13 |
7.65 |
6.44 |
0.00 |
0.00 |
3.68 |
2.29 |
6.04 |
| Net Debt to NOPAT |
|
4.42 |
4.12 |
5.42 |
4.32 |
3.88 |
2.75 |
0.00 |
0.00 |
1.82 |
0.62 |
4.25 |
| Long-Term Debt to NOPAT |
|
1.00 |
0.92 |
1.23 |
1.63 |
1.91 |
2.03 |
0.00 |
0.00 |
2.03 |
2.12 |
2.23 |
| Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Free Cash Flow to Firm (FCFF) |
|
-249 |
-225 |
-434 |
-1,720 |
-500 |
-376 |
-73 |
246 |
404 |
442 |
33 |
| Operating Cash Flow to CapEx |
|
0.00% |
1,740.91% |
344.09% |
1,450.32% |
1,076.74% |
956.30% |
0.00% |
3,938.45% |
20,282.74% |
1,247.31% |
3,454.22% |
| Free Cash Flow to Firm to Interest Expense |
|
-44.50 |
-19.97 |
-20.14 |
-56.73 |
-13.56 |
-9.19 |
-1.66 |
5.50 |
9.56 |
11.25 |
0.86 |
| Operating Cash Flow to Interest Expense |
|
3.10 |
4.26 |
0.71 |
1.64 |
0.83 |
0.90 |
0.00 |
0.76 |
0.95 |
0.87 |
1.31 |
| Operating Cash Flow Less CapEx to Interest Expense |
|
3.15 |
4.01 |
0.50 |
1.53 |
0.75 |
0.81 |
0.00 |
0.74 |
0.94 |
0.80 |
1.27 |
| Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Asset Turnover |
|
0.05 |
0.05 |
0.05 |
0.09 |
0.05 |
0.05 |
0.00 |
0.00 |
0.05 |
0.05 |
0.05 |
| Fixed Asset Turnover |
|
3.86 |
3.97 |
3.94 |
0.00 |
4.57 |
4.62 |
0.00 |
0.00 |
4.32 |
4.24 |
4.30 |
| Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Invested Capital |
|
1,387 |
1,406 |
1,692 |
1,752 |
1,920 |
1,812 |
1,795 |
1,538 |
1,543 |
1,394 |
1,783 |
| Invested Capital Turnover |
|
0.27 |
0.27 |
0.26 |
0.46 |
0.26 |
0.28 |
0.00 |
0.00 |
0.26 |
0.28 |
0.25 |
| Increase / (Decrease) in Invested Capital |
|
276 |
252 |
455 |
1,752 |
534 |
406 |
102 |
-214 |
-377 |
-418 |
-12 |
| Enterprise Value (EV) |
|
1,155 |
1,095 |
1,252 |
1,310 |
1,558 |
1,327 |
0.00 |
1,198 |
1,326 |
1,127 |
1,532 |
| Market Capitalization |
|
708 |
665 |
707 |
851 |
1,118 |
1,007 |
0.00 |
1,068 |
1,112 |
1,058 |
1,089 |
| Book Value per Share |
|
$28.14 |
$28.78 |
$35.07 |
$28.08 |
$29.79 |
$30.57 |
$31.00 |
$31.68 |
$31.28 |
$31.90 |
$32.36 |
| Tangible Book Value per Share |
|
$16.45 |
$17.39 |
$20.56 |
$16.53 |
$18.14 |
$18.79 |
$19.31 |
$20.31 |
$19.96 |
$20.68 |
$21.20 |
| Total Capital |
|
1,387 |
1,406 |
1,692 |
1,752 |
1,920 |
1,812 |
1,795 |
1,538 |
1,543 |
1,394 |
1,783 |
| Total Debt |
|
601 |
586 |
694 |
759 |
867 |
750 |
717 |
413 |
432 |
256 |
629 |
| Total Long-Term Debt |
|
101 |
96 |
124 |
173 |
216 |
236 |
234 |
237 |
238 |
237 |
232 |
| Net Debt |
|
447 |
429 |
545 |
460 |
440 |
320 |
481 |
129 |
214 |
69 |
443 |
| Capital Expenditures (CapEx) |
|
-0.26 |
2.76 |
4.43 |
3.44 |
2.84 |
3.87 |
0.00 |
0.87 |
0.20 |
2.75 |
1.47 |
| Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| Net Nonoperating Obligations (NNO) |
|
601 |
586 |
694 |
759 |
867 |
750 |
717 |
413 |
432 |
256 |
629 |
| Total Depreciation and Amortization (D&A) |
|
2.00 |
1.87 |
2.80 |
3.28 |
3.27 |
2.79 |
2.79 |
2.79 |
2.80 |
2.21 |
2.21 |
| Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Adjusted Basic Earnings per Share |
|
$0.95 |
$0.95 |
$0.64 |
$0.91 |
$0.96 |
$0.85 |
$0.83 |
$0.90 |
$0.76 |
$0.69 |
$0.60 |
| Adjusted Weighted Average Basic Shares Outstanding |
|
27.91M |
27.89M |
32.53M |
34.82M |
32.53M |
34.74M |
34.76M |
34.79M |
34.78M |
34.90M |
34.97M |
| Adjusted Diluted Earnings per Share |
|
$0.96 |
$0.94 |
$0.64 |
$0.90 |
$0.96 |
$0.84 |
$0.82 |
$0.89 |
$0.76 |
$0.68 |
$0.59 |
| Adjusted Weighted Average Diluted Shares Outstanding |
|
28.00M |
28.02M |
32.65M |
35.06M |
32.76M |
35.05M |
35.12M |
35.20M |
35.15M |
35.30M |
35.33M |
| Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
| Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
28.47M |
28.49M |
35.37M |
35.36M |
35.49M |
35.49M |
35.51M |
35.54M |
35.67M |
35.65M |
35.67M |
| Normalized Net Operating Profit after Tax (NOPAT) |
|
27 |
27 |
21 |
32 |
34 |
30 |
29 |
32 |
27 |
24 |
21 |
| Normalized NOPAT Margin |
|
29.95% |
28.89% |
19.93% |
27.37% |
30.07% |
26.32% |
26.29% |
27.86% |
24.13% |
21.66% |
18.53% |
| Pre Tax Income Margin |
|
37.90% |
36.55% |
25.75% |
34.97% |
38.69% |
33.67% |
32.52% |
35.95% |
31.23% |
27.93% |
23.99% |
| Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| EBIT to Interest Expense |
|
6.08 |
2.98 |
1.26 |
1.34 |
1.18 |
0.92 |
0.81 |
0.91 |
0.82 |
0.80 |
0.71 |
| NOPAT to Interest Expense |
|
4.80 |
2.36 |
0.98 |
1.05 |
0.92 |
0.72 |
0.66 |
0.71 |
0.64 |
0.62 |
0.55 |
| EBIT Less CapEx to Interest Expense |
|
6.13 |
2.74 |
1.06 |
1.23 |
1.10 |
0.83 |
0.00 |
0.90 |
0.82 |
0.73 |
0.67 |
| NOPAT Less CapEx to Interest Expense |
|
4.85 |
2.11 |
0.77 |
0.94 |
0.84 |
0.63 |
0.00 |
0.69 |
0.63 |
0.55 |
0.51 |
| Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Dividend Payout Ratio |
|
41.83% |
41.17% |
45.35% |
45.65% |
45.73% |
47.04% |
0.00% |
0.00% |
47.63% |
50.46% |
54.46% |
| Augmented Payout Ratio |
|
49.14% |
41.17% |
46.76% |
45.89% |
48.41% |
52.22% |
0.00% |
0.00% |
50.19% |
50.46% |
54.90% |
Key Financial Trends
Peoples Bancorp (NASDAQ:PEBO) has demonstrated steady financial performance over the past four years, with recent results through Q2 2025 showing trends worth noting for investors.
Revenue and Income Trends
- Net interest income is growing steadily, reaching $87.6 million in Q2 2025 compared with $70.6 million in Q2 2022, reflecting an increasing loans and leases interest income and effective margin management.
- Total revenue rose slightly to $114.5 million in Q2 2025 from $80.9 million in Q2 2022, backed by both interest and non-interest income growth.
- Net income attributable to common shareholders increased to $21.2 million in Q2 2025 from $21.0 million in Q2 2023, reflecting improved profitability.
- Basic earnings per share (EPS) stood at $0.60 in Q2 2025, down slightly from $0.64 in Q2 2023, impacted by a modest increase in diluted shares outstanding.
- Provision for credit losses increased to $16.6 million in Q2 2025 from $5.7 million in Q2 2024, indicating higher loan loss reserves and potential credit quality concerns.
Expense Analysis
- Total non-interest expenses were $70.4 million in Q2 2025, up from $68.8 million in Q2 2024, driven by increases in salaries, occupancy, and other operating expenses, which could pressure margins.
- Amortization and marketing expenses remained relatively stable, showing disciplined expense management in some areas.
Balance Sheet and Capital Structure
- Total assets grew from approximately $7.28 billion in Q2 2022 to $9.54 billion in Q2 2025, supported by an increase in loans and leases (net) from $4.5 billion to $6.5 billion, indicating strong lending growth.
- Allowance for loan and lease losses increased from $52.3 million in Q2 2022 to $74.7 million in Q2 2025, consistent with the rising provisions for credit losses.
- Total liabilities increased to about $8.39 billion in Q2 2025 from $6.5 billion in Q2 2022, with interest-bearing deposits rising substantially, reflecting increased funding costs.
Cash Flows and Liquidity
- Net cash provided by operating activities in Q2 2025 was strong at $50.7 million, up from $15.2 million in Q2 2023, demonstrating improved core cash generation.
- Significant net cash used in investing activities (-$313.3 million in Q2 2025) mainly due to large purchases of investment securities, elevating investment portfolio risk.
- Net cash from financing activities was positive at $261.7 million in Q2 2025, primarily due to net debt repayment of $370 million partially offset by changes in deposits and modest equity transactions.
Summary
Peoples Bancorp shows growth in loans, asset base, and net interest income, supporting increased net income over the recent years. The company is facing rising credit loss provisions and expenses that may pressure profitability. Its balance sheet growth is funded largely through higher deposits and some debt repayment. The company maintains positive operating cash flow but increased investment purchases have weighed on investing cash flows.
Investors should monitor credit risk trends, expense control, and capital deployment strategies going forward, as these factors will heavily influence profitability and sustainability of growth.
10/23/25 03:05 PM ETAI Generated. May Contain Errors.