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Peoples Bancorp (PEBO) Financials

Peoples Bancorp logo
$29.69 -0.05 (-0.17%)
Closing price 04:00 PM Eastern
Extended Trading
$29.68 -0.01 (-0.03%)
As of 04:46 PM Eastern
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Annual Income Statements for Peoples Bancorp

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.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 17 11 29 38 46 54 35 48 101 113 117
Consolidated Net Income / (Loss)		 17 11 31 38 46 54 35 48 101 113 117
Net Income / (Loss) Continuing Operations		 17 11 29 38 46 54 35 48 101 113 117
Total Pre-Tax Income 		24 15 43 57 55 65 43 57 129 145 149
Total Revenue		 110 144 154 169 186 205 203 241 332 427 448
Net Interest Income / (Expense)		 70 98 105 113 130 141 139 173 253 339 349
Total Interest Income		 80 108 115 127 151 170 157 185 270 439 521
Loans and Leases Interest Income		 62 87 94 103 125 143 140 166 235 383 451
Investment Securities Interest Income		 19 21 22 23 26 26 17 18 33 54 63
Other Interest Income		 0.01 0.14 0.05 0.14 0.40 0.92 0.34 0.31 1.71 2.76 6.81
Total Interest Expense		 11 11 11 13 22 29 18 12 16 100 172
Deposits Interest Expense		 6.11 6.21 5.94 7.15 14 22 14 9.92 9.17 72 142
Short-Term Borrowings Interest Expense		 0.15 0.18 0.51 1.53 5.24 4.71 2.57 0.54 2.66 20 16
Long-Term Debt Interest Expense		 4.44 4.33 4.13 4.46 2.71 2.34 2.11 1.77 4.28 8.16 14
Total Non-Interest Income		 40 46 1.83 56 57 64 64 69 79 87 99
Other Service Charges		 16 17 15 18 18 22 25 22 21 23 26
Net Realized & Unrealized Capital Gains on Investments		 9.14 9.79 -0.20 2.92 -0.48 -0.62 -0.66 -0.37 -0.68 -6.54 -3.73
Other Non-Interest Income		 6.75 9.56 34 35 39 43 39 48 59 71 77
Provision for Credit Losses		 0.34 14 3.54 3.77 5.45 2.50 26 0.73 -3.51 15 25
Total Non-Interest Expense		 85 115 107 108 126 137 134 184 207 266 274
Salaries and Employee Benefits		 47 59 57 60 69 78 76 95 113 144 150
Net Occupancy & Equipment Expense		 10 15 14 15 17 19 20 25 34 43 49
Marketing Expense		 2.30 2.84 1.59 1.71 1.96 2.29 2.10 3.66 5.13 7.42 6.57
Property & Liability Insurance Claims		 1.26 2.08 1.90 1.82 1.55 0.60 1.30 1.98 3.70 4.79 4.93
Other Operating Expenses		 23 32 27 26 33 34 30 53 44 56 52
Amortization Expense		 1.43 4.08 4.03 3.52 3.34 3.36 3.22 4.78 7.76 11 11
Income Tax Expense		 7.49 3.88 14 19 8.69 12 7.88 9.42 27 32 32
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
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
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
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
Weighted Average Basic & Diluted Shares Outstanding		 12.30M 17.60M 18.10M 18.10M 19.68M 20.74M 28.44M 28.44M 28.47M 35.49M 35.67M
Cash Dividends to Common per Share		 - - - $0.84 $1.12 $1.32 $1.37 $1.43 $1.50 $1.55 $1.59

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
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
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
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
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
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
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
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
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
Period end date 6/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025
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
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
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
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
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%

Financials Breakdown Chart

Key Financial Trends

Peoples Bancorp (NASDAQ: PEBO) has demonstrated a consistent growth trend over the last four years, marked by steady increases in key financial metrics such as net interest income, total revenue, and net income. Below is a detailed analysis based on the latest quarterly results and historical data.

  • Steady Growth in Net Interest Income: Net interest income rose from $61.47 million in Q2 2022 to $87.58 million in Q2 2025, reflecting successful core banking operations and effective asset-liability management.
  • Increasing Total Revenue: Total revenue increased from $80.85 million in Q2 2022 to $114.46 million in Q2 2025, showing strong growth in both interest and non-interest income streams.
  • Consistent Net Income Growth: Quarterly net income attributable to common shareholders grew from approximately $21 million in Q2 2023 to $21.2 million in Q2 2025, with earnings per share also showing upward momentum.
  • Loan Portfolio Expansion: Loans and leases, net of allowance, increased from around $4.52 billion in Q2 2022 to approximately $6.53 billion in Q2 2025, indicating robust lending activity and business growth.
  • Strong Operating Cash Flow: Net cash from operating activities was $50.7 million in Q2 2025, showing solid cash generation capacity to support operations and growth initiatives.
  • Controlled Credit Losses: Although the provision for credit losses increased to $16.6 million in Q2 2025, it remains proportionate to the growth in loans and overall revenue, reflecting prudent risk management.
  • Investment Securities Activity: Large fluctuations in purchase and sale of investment securities across periods signal active portfolio management with substantial inflows and outflows; these can impact short-term cash flows.
  • Dividends and Equity Repurchases: The company maintains regular dividend payments (approximately $14 million in Q2 2025) and modest common stock repurchases, supporting shareholder returns but also impacting cash outflows.
  • Increasing Interest Expense: Total interest expense rose to $38.83 million in Q2 2025 from $21.56 million in Q2 2022, due in part to increased deposits and debt; this partially offsets interest income growth.
  • Goodwill and Intangible Assets Growth: Goodwill increased to approximately $363 million by Q2 2025, possibly indicating acquisitions or other intangible asset changes that require monitoring for impairment risks.
  • Decline in Deposits: Net change in deposits was negative $97.7 million in Q2 2025, a reversal from positive increases in prior years, potentially signaling customer withdrawal or increased competition for deposits.
  • High Debt Repayment Levels: The company repaid $370 million of debt in Q2 2025, significantly higher than issuances, which may pressure liquidity despite improved cash flow from operations.
  • Negative Net Change in Cash and Cash Equivalents: Despite strong operating cash flows, Q2 2025 saw a slight decline in cash and equivalents by $0.9 million, due to investing and financing activities.
  • Non-Interest Expense Growth: Salaries and employee benefits as well as other operating expenses have generally increased over time, such as $38.9 million in salaries in Q2 2025, pressuring net margins.
  • Accumulated Other Comprehensive Income (AOCI) Losses: Negative AOCI increased to about $90 million by Q2 2025, which could reflect unrealized losses on securities or pension liabilities affecting equity negatively.

Summary: Peoples Bancorp exhibits sustained and steady financial growth with increasing loans, revenues, and earnings. The bank generates strong operating cash flows and maintains active investment management and shareholder return programs. Challenges include negative deposit growth in the latest quarter, increasing expenses, and debt repayment pressure. Monitoring liquidity and responsiveness to deposit trends will be essential in upcoming quarters.

10/02/25 11:21 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Peoples Bancorp's Financials

When does Peoples Bancorp's financial year end?

According to the most recent income statement we have on file, Peoples Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Peoples Bancorp's net income changed over the last 10 years?

Peoples Bancorp's net income appears to be on an upward trend, with a most recent value of $117.21 million in 2024, rising from $16.68 million in 2014. The previous period was $113.36 million in 2023. See where experts think Peoples Bancorp is headed by visiting Peoples Bancorp's forecast page.

How has Peoples Bancorp's revenue changed over the last 10 years?

Over the last 10 years, Peoples Bancorp's total revenue changed from $109.53 million in 2014 to $448.07 million in 2024, a change of 309.1%.

How much debt does Peoples Bancorp have?

Peoples Bancorp's total liabilities were at $8.14 billion at the end of 2024, a 0.5% increase from 2023, and a 265.5% increase since 2014.

How much cash does Peoples Bancorp have?

In the past 10 years, Peoples Bancorp's cash and equivalents has ranged from $42.23 million in 2014 to $490.08 million in 2021, and is currently $108.72 million as of their latest financial filing in 2024.

How has Peoples Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, Peoples Bancorp's book value per share changed from 24.04 in 2014 to 31.28 in 2024, a change of 30.1%.


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This page (NASDAQ:PEBO) was last updated on 10/2/2025 by MarketBeat.com Staff
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