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Peoples Bancorp (PEBO) Financials

Peoples Bancorp logo
$34.14 +0.33 (+0.98%)
Closing price 04:00 PM Eastern
Extended Trading
$34.12 -0.02 (-0.04%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 11 29 38 46 54 35 48 101 113 117 107
Consolidated Net Income / (Loss)		 11 31 38 46 54 35 48 101 113 117 107
Net Income / (Loss) Continuing Operations		 11 29 38 46 54 35 48 101 113 117 107
Total Pre-Tax Income 		15 43 57 55 65 43 57 129 145 149 135
Total Revenue		 144 154 169 186 205 203 241 332 427 448 459
Net Interest Income / (Expense)		 98 105 113 130 141 139 173 253 339 349 355
Total Interest Income		 108 115 127 151 170 157 185 270 439 521 514
Loans and Leases Interest Income		 87 94 103 125 143 140 166 235 383 451 441
Investment Securities Interest Income		 21 22 23 26 26 17 18 33 54 63 70
Other Interest Income		 0.14 0.05 0.14 0.40 0.92 0.34 0.31 1.71 2.76 6.81 3.49
Total Interest Expense		 11 11 13 22 29 18 12 16 100 172 159
Deposits Interest Expense		 6.21 5.94 7.15 14 22 14 9.92 9.17 72 142 135
Short-Term Borrowings Interest Expense		 0.18 0.51 1.53 5.24 4.71 2.57 0.54 2.66 20 16 10
Long-Term Debt Interest Expense		 4.33 4.13 4.46 2.71 2.34 2.11 1.77 4.28 8.16 14 14
Total Non-Interest Income		 46 1.83 56 57 64 64 69 79 87 99 104
Other Service Charges		 17 15 18 18 22 25 22 21 23 26 26
Net Realized & Unrealized Capital Gains on Investments		 9.79 -0.20 2.92 -0.48 -0.62 -0.66 -0.37 -0.68 -6.54 -3.73 -5.69
Other Non-Interest Income		 9.56 34 35 39 43 39 48 59 71 77 84
Provision for Credit Losses		 14 3.54 3.77 5.45 2.50 26 0.73 -3.51 15 25 42
Total Non-Interest Expense		 115 107 108 126 137 134 184 207 266 274 282
Salaries and Employee Benefits		 59 57 60 69 78 76 95 113 144 150 157
Net Occupancy & Equipment Expense		 15 14 15 17 19 20 25 34 43 49 52
Marketing Expense		 2.84 1.59 1.71 1.96 2.29 2.10 3.66 5.13 7.42 6.57 6.25
Property & Liability Insurance Claims		 2.08 1.90 1.82 1.55 0.60 1.30 1.98 3.70 4.79 4.93 5.14
Other Operating Expenses		 32 27 26 33 34 30 53 44 56 52 53
Amortization Expense		 4.08 4.03 3.52 3.34 3.36 3.22 4.78 7.76 11 11 8.85
Income Tax Expense		 3.88 14 19 8.69 12 7.88 9.42 27 32 32 28
Basic Earnings per Share		 $0.62 $1.72 $2.12 $2.42 $2.65 $1.74 $2.17 $3.61 $3.46 $3.34 $3.03
Weighted Average Basic Shares Outstanding		 17.56M 18.01M 18.05M 18.99M 20.12M 19.72M 21.82M 27.91M 32.53M 34.78M 34.97M
Diluted Earnings per Share		 $0.61 $1.71 $2.10 $2.41 $2.63 $1.73 $2.15 $3.60 $3.44 $3.31 $2.99
Weighted Average Diluted Shares Outstanding		 17.69M 18.16M 18.21M 19.12M 20.27M 19.84M 21.96M 28.00M 32.76M 35.15M 35.36M
Weighted Average Basic & Diluted Shares Outstanding		 17.60M 18.10M 18.10M 19.68M 20.74M 28.44M 28.44M 28.47M 35.49M 35.67M 35.92M
Cash Dividends to Common per Share		 - - $0.84 $1.12 $1.32 $1.37 $1.43 $1.50 $1.55 $1.59 $1.63

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 32 34 30 29 32 27 24 21 29 32 29
Consolidated Net Income / (Loss)		 32 34 30 29 32 27 24 21 29 32 29
Net Income / (Loss) Continuing Operations		 32 34 30 29 32 27 24 21 29 32 29
Total Pre-Tax Income 		41 44 38 36 41 35 31 27 38 38 37
Total Revenue		 116 113 112 110 114 112 112 114 115 117 119
Net Interest Income / (Expense)		 93 88 87 87 89 87 85 88 91 91 90
Total Interest Income		 124 125 128 131 134 129 125 126 133 131 127
Loans and Leases Interest Income		 109 110 111 112 117 111 107 109 113 112 109
Investment Securities Interest Income		 14 14 15 16 16 16 16 17 19 18 17
Other Interest Income		 0.80 0.90 1.92 2.50 0.95 1.43 0.90 1.04 0.78 0.77 0.79
Total Interest Expense		 30 37 41 44 45 42 39 39 41 40 36
Deposits Interest Expense		 22 29 32 35 37 36 35 34 34 32 29
Short-Term Borrowings Interest Expense		 5.17 5.00 5.04 5.37 4.05 2.33 0.51 1.39 4.04 4.20 4.96
Long-Term Debt Interest Expense		 2.67 2.49 3.47 3.52 3.41 4.02 3.62 3.57 3.53 3.06 2.81
Total Non-Interest Income		 23 24 26 24 25 25 27 27 24 26 28
Other Service Charges		 6.94 4.31 7.74 5.49 6.40 3.57 7.90 6.25 5.89 6.09 7.12
Net Realized & Unrealized Capital Gains on Investments		 -0.31 -2.21 -0.34 -0.78 -0.87 -1.73 -0.36 -0.28 -3.06 -1.99 -0.41
Other Non-Interest Income		 17 22 18 19 19 23 20 21 21 22 22
Provision for Credit Losses		 4.05 1.29 6.10 5.68 6.74 6.27 10 17 7.28 8.05 9.69
Total Non-Interest Expense		 72 68 68 69 66 71 71 70 70 71 72
Salaries and Employee Benefits		 37 37 39 37 37 37 40 39 39 39 40
Net Occupancy & Equipment Expense		 12 12 12 13 12 12 13 13 13 13 14
Marketing Expense		 1.27 3.86 1.66 1.21 1.77 3.86 1.40 1.43 1.80 1.62 1.47
Property & Liability Insurance Claims		 1.26 1.26 1.19 1.25 1.24 1.25 1.25 1.25 1.28 1.35 1.41
Other Operating Expenses		 17 10 12 14 11 13 13 14 13 14 13
Amortization Expense		 3.28 3.27 2.79 2.79 2.79 2.80 2.21 2.21 2.21 2.21 1.70
Income Tax Expense		 8.85 9.70 8.27 6.87 9.20 7.93 7.04 6.24 8.53 6.22 8.34
Basic Earnings per Share		 $0.91 $0.96 $0.85 $0.83 $0.90 $0.76 $0.69 $0.60 $0.83 $0.91 $0.82
Weighted Average Basic Shares Outstanding		 34.82M 32.53M 34.74M 34.76M 34.79M 34.78M 34.90M 34.97M 35.00M 34.97M 35.11M
Diluted Earnings per Share		 $0.90 $0.96 $0.84 $0.82 $0.89 $0.76 $0.68 $0.59 $0.83 $0.89 $0.81
Weighted Average Diluted Shares Outstanding		 35.06M 32.76M 35.05M 35.12M 35.20M 35.15M 35.30M 35.33M 35.40M 35.36M 35.49M
Weighted Average Basic & Diluted Shares Outstanding		 35.36M 35.49M 35.49M 35.51M 35.54M 35.67M 35.65M 35.67M 35.70M 35.92M 35.92M
Cash Dividends to Common per Share		 $13,793,000.39 - $13,745,000.39 $14,197,000.40 $14,174,000.40 - $14,227,000.40 $14,616,000.41 $14,655,000.41 - $14,647,000.41

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Change in Cash & Equivalents		 9.66 -4.97 6.05 5.42 38 37 264 -262 273 -209 -29
Net Cash From Operating Activities		 48 61 61 75 67 85 156 120 144 143 135
Net Cash From Continuing Operating Activities		 48 61 61 76 67 85 157 120 144 143 135
Net Income / (Loss) Continuing Operations		 11 31 38 46 54 35 48 101 113 117 107
Consolidated Net Income / (Loss)		 11 31 38 46 54 35 48 101 113 117 107
Provision For Loan Losses		 14 3.54 3.77 5.45 2.50 26 0.73 -3.51 15 25 42
Depreciation Expense		 19 19 18 18 18 26 25 17 3.67 3.51 14
Non-Cash Adjustments to Reconcile Net Income		 -0.48 -6.87 -6.86 -3.51 -5.23 -9.43 66 22 5.66 -6.52 -8.10
Changes in Operating Assets and Liabilities, net		 4.82 14 7.50 8.85 -1.67 8.25 18 -17 5.78 4.20 -21
Net Cash From Investing Activities		 -1.11 -198 -163 -130 1.05 -394 -74 -414 -133 -344 -424
Net Cash From Continuing Investing Activities		 -1.11 -198 -163 -130 1.05 -394 -74 -414 -133 -344 -424
Purchase of Property, Leasehold Improvements and Equipment		 -87 -154 -4.87 -4.53 -2.81 -4.30 -6.69 -6.75 -13 -6.82 -6.03
Purchase of Investment Securities		 -198 -205 -313 -280 -283 -847 -928 -652 -575 -817 -904
Sale and/or Maturity of Investments		 284 161 155 154 287 457 860 245 456 480 485
Net Cash From Financing Activities		 -37 133 108 60 -31 345 182 33 262 -7.94 261
Net Cash From Continuing Financing Activities		 -37 133 108 60 -31 345 182 33 262 -7.94 261
Net Change in Deposits		 -26 -26 221 26 78 619 201 -145 152 487 19
Issuance of Debt		 72 200 55 62 -77 50 0.00 25 115 55 13
Issuance of Common Equity		 0.00 0.02 0.01 0.03 0.01 0.59 0.91 1.23 1.26 1.48 1.67
Repayment of Debt		 -72 -24 -152 -4.59 -3.50 -266 12 203 50 -492 288
Repurchase of Common Equity		 0.00 -4.97 0.00 0.00 -0.81 -30 0.00 -7.41 -4.80 -3.00 -0.84
Payment of Dividends		 -10 -11 -15 -21 -26 -27 -31 -42 -52 -56 -58
Other Financing Activities, Net		 -0.69 -0.84 -0.72 -1.90 -1.25 -0.30 -1.31 -1.75 0.22 -0.80 -2.20
Cash Interest Paid		 12 11 13 20 29 19 13 16 90 173 160
Cash Income Taxes Paid		 0.67 12 14 6.14 11 13 6.69 4.13 30 25 23

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 151 128 3.00 -194 48 -66 -31 -0.90 4.14 -1.27 1.44
Net Cash From Operating Activities		 50 31 37 32 34 40 34 51 14 35 35
Net Cash From Continuing Operating Activities		 0.03 144 0.06 0.17 - 143 0.00 - - 135 0.00
Net Income / (Loss) Continuing Operations		 - 113 0.00 - - 117 0.00 - - 107 0.00
Net Cash From Investing Activities		 -28 -54 -123 -150 147 -218 -18 -313 -72 -21 -11
Net Cash From Continuing Investing Activities		 -28 -54 -123 -150 147 -218 -18 -313 -72 -21 -11
Purchase of Property, Leasehold Improvements and Equipment		 -3.44 -2.84 -3.87 -1.89 -0.87 -0.20 -2.75 -1.47 -1.70 -0.11 -1.21
Purchase of Investment Securities		 -131 -136 -164 -207 -74 -373 -92 -366 -281 -165 -136
Sale and/or Maturity of Investments		 107 85 45 58 221 156 77 54 210 144 126
Net Cash From Financing Activities		 129 151 89 -76 -133 112 -47 262 62 -16 -22
Net Cash From Continuing Financing Activities		 129 151 89 -76 -133 112 -47 262 62 -16 -22
Net Change in Deposits		 78 65 174 -29 185 156 144 -98 -5.13 -22 38
Issuance of Debt		 65 45 27 8.79 10 9.41 3.30 2.69 2.34 5.15 6.11
Issuance of Common Equity		 0.27 0.27 0.45 0.40 0.28 0.35 0.29 0.70 0.49 0.19 0.35
Repayment of Debt		 -0.39 57 -95 -42 -315 -40 -179 370 79 17 -50
Repurchase of Common Equity		 - -3.03 -3.00 - - - 0.00 -0.46 - -0.38 -2.14
Payment of Dividends		 -14 -14 -14 -14 -14 -14 -14 -14 -15 -15 -15
Other Financing Activities, Net		 -0.39 -0.32 -0.87 -0.13 -0.17 -0.09 -2.09 0.64 0.08 -1.17 -0.46
Cash Interest Paid		 30 33 38 39 49 47 38 38 42 42 39
Cash Income Taxes Paid		 0.44 0.44 0.07 20 - 8.11 6.07 3.08 8.59 5.19 0.13

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Total Assets		 3,259 3,432 3,582 3,991 4,354 4,761 7,064 7,207 9,157 9,254 9,650
Cash and Due from Banks		 54 58 58 62 53 61 490 95 112 109 108
Interest Bearing Deposits at Other Banks		 17 8.02 14 16 62 91 341 59 315 109 81
Trading Account Securities		 830 821 852 829 968 819 - 1,743 1,795 1,858 1,907
Loans and Leases, Net of Allowance		 2,056 2,207 2,338 2,709 2,852 3,353 0.00 4,654 6,097 6,295 6,681
Loans and Leases		 2,072 2,225 2,357 2,729 2,874 3,403 - 4,707 6,159 6,358 6,757
Allowance for Loan and Lease Losses		 17 18 19 20 22 50 - 53 62 63 76
Loans Held for Sale		 1.95 4.02 2.51 5.47 6.50 4.66 - 2.14 1.87 2.35 2.67
Premises and Equipment, Net		 53 54 53 57 62 60 89 83 104 104 101
Goodwill		 133 133 133 151 166 171 264 292 362 363 363
Intangible Assets		 17 13 11 11 12 13 27 34 50 39 30
Other Assets		 97 135 135 152 173 187 196 245 320 375 376
Total Liabilities & Shareholders' Equity		 3,259 3,432 3,582 3,991 4,354 4,761 7,100 7,207 9,157 9,254 9,650
Total Liabilities		 2,839 2,997 3,123 3,471 3,760 4,185 6,218 6,422 8,104 8,143 8,443
Non-Interest Bearing Deposits		 718 734 556 608 671 997 1,641 1,589 1,568 1,508 1,545
Interest Bearing Deposits		 1,818 1,775 2,174 2,348 2,620 2,913 4,221 4,128 5,535 6,083 6,065
Short-Term Debt		 160 306 209 356 317 73 166 500 650 193 530
Long-Term Debt		 114 145 144 110 83 111 99 101 216 238 204
Other Long-Term Liabilities		 29 37 49 50 68 91 90 104 134 121 98
Total Equity & Noncontrolling Interests		 420 435 459 520 594 576 882 785 1,054 1,112 1,207
Total Preferred & Common Equity		 420 435 459 520 594 576 845 785 1,054 1,112 1,207
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		 420 435 459 520 594 576 882 785 1,054 1,112 1,207
Common Stock		 344 344 345 387 421 423 686 686 865 867 872
Retained Earnings		 91 110 134 160 187 191 207 266 327 388 437
Treasury Stock		 -15 -18 -16 -14 -12 -39 - -40 -37 -33 -31
Accumulated Other Comprehensive Income / (Loss)		 -0.36 -1.55 -5.22 -13 -1.43 1.34 -12 -127 -102 -110 -71

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 Q3 2025 Q1 2026
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 9/30/2025 3/31/2026
Total Assets		 7,278 7,312 8,787 8,943 9,271 9,226 9,140 9,246 9,541 9,624 9,648
Cash and Due from Banks		 92 97 92 108 104 120 139 126 122 121 112
Interest Bearing Deposits at Other Banks		 306 60 56 191 326 116 144 61 64 69 78
Trading Account Securities		 1,710 1,796 1,871 1,760 1,859 1,884 1,830 1,878 1,952 1,909 1,892
Loans and Leases, Net of Allowance		 4,524 4,706 5,913 6,021 6,138 6,259 6,205 6,363 6,527 6,654 6,692
Loans and Leases		 4,576 4,760 5,975 6,084 6,203 6,325 6,272 6,429 6,602 6,729 6,770
Allowance for Loan and Lease Losses		 52 53 61 63 65 66 67 65 75 75 78
Loans Held for Sale		 2.13 2.53 3.22 2.70 3.03 3.83 3.25 2.41 3.05 3.29 4.04
Premises and Equipment, Net		 87 87 104 104 107 107 105 104 104 104 99
Goodwill		 290 293 356 355 362 362 362 363 363 363 363
Intangible Assets		 38 32 57 53 47 44 42 37 35 32 28
Other Assets		 230 4,944 334 347 325 331 309 311 371 369 379
Total Liabilities & Shareholders' Equity		 7,278 7,312 8,787 8,943 9,271 9,226 9,140 9,246 9,541 9,624 9,648
Total Liabilities		 6,491 6,492 7,788 7,949 8,209 8,149 8,015 8,108 8,387 8,441 8,432
Non-Interest Bearing Deposits		 1,662 1,555 1,683 1,569 1,468 1,473 1,453 1,526 1,531 1,536 1,587
Interest Bearing Deposits		 4,267 4,233 5,277 5,468 5,858 5,825 6,030 6,208 6,106 6,096 6,062
Short-Term Debt		 326 491 570 585 513 483 176 19 397 484 506
Long-Term Debt		 124 96 124 173 236 234 237 237 232 227 185
Other Long-Term Liabilities		 112 117 134 153 132 134 120 117 121 98 92
Total Equity & Noncontrolling Interests		 787 820 999 993 1,062 1,078 1,125 1,138 1,153 1,183 1,216
Total Preferred & Common Equity		 787 820 999 993 1,062 1,078 1,125 1,138 1,153 1,183 1,216
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		 787 820 999 993 1,062 1,078 1,125 1,138 1,153 1,183 1,216
Common Stock		 684 684 863 864 862 864 865 866 868 870 867
Retained Earnings		 235 282 289 308 343 358 375 398 406 421 451
Treasury Stock		 -39 -36 -35 -35 -34 -34 -33 -31 -31 -31 -26
Accumulated Other Comprehensive Income / (Loss)		 -93 -111 -119 -144 -109 -110 -82 -96 -90 -78 -76

Annual Metrics And Ratios for Peoples Bancorp

This table displays calculated financial ratios and metrics derived from Peoples Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.62 $1.72 $2.12 $2.42 $2.65 $1.74 $2.17 $3.61 $3.46 $3.34 $3.03
Adjusted Weighted Average Basic Shares Outstanding		 17.56M 18.01M 18.05M 18.99M 20.12M 19.72M 21.82M 27.91M 32.53M 34.78M 34.97M
Adjusted Diluted Earnings per Share		 $0.61 $1.71 $2.10 $2.41 $2.63 $1.73 $2.15 $3.60 $3.44 $3.31 $2.99
Adjusted Weighted Average Diluted Shares Outstanding		 17.69M 18.16M 18.21M 19.12M 20.27M 19.84M 21.96M 28.00M 32.76M 35.15M 35.36M
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		 18.18M 18.26M 18.35M 19.68M 20.74M 19.62M 28.44M 28.47M 35.49M 35.67M 35.92M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Peoples Bancorp

This table displays calculated financial ratios and metrics derived from Peoples Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 35,917,291.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 35,917,291.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.81
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 33.24% 25.50% 22.28% 4.20% -2.38% -0.78% -0.06% 3.75% 1.29% - 5.63%
EBITDA Growth		 24.28% 30.08% 14.55% 28.61% -0.78% -19.54% -17.35% -23.28% -7.91% - 16.23%
EBIT Growth		 21.99% 28.10% 12.63% 31.60% 0.37% -19.93% -17.11% -23.48% -7.04% - 19.02%
NOPAT Growth		 22.73% 25.98% 11.39% 37.50% -0.62% -20.38% -17.74% -26.87% -6.97% - 19.19%
Net Income Growth		 22.73% 25.98% 11.39% 37.50% -0.62% -20.38% -17.74% -26.87% -6.97% - 19.19%
EPS Growth		 -2.17% 0.00% -10.64% 28.13% -1.11% -20.83% -19.05% -28.05% -6.74% - 19.12%
Operating Cash Flow Growth		 25.31% 76.24% -22.89% 0.00% -31.60% 30.76% -7.38% 57.90% -57.73% - 0.70%
Free Cash Flow Firm Growth		 0.00% -100.98% -67.23% 83.10% 114.30% 180.83% 217.46% 145.55% -232.74% - -209.55%
Invested Capital Growth		 0.00% 38.49% 28.88% 6.05% -12.23% -19.64% -23.06% -0.68% 23.14% - 36.82%
Revenue Q/Q Growth		 10.02% -3.41% -0.07% 0.00% 3.07% -1.83% 0.65% 1.87% 0.63% - 1.15%
EBITDA Q/Q Growth		 46.39% 6.34% -13.16% 0.00% 12.94% -13.77% -10.80% -11.69% 35.56% - -2.85%
EBIT Q/Q Growth		 49.40% 6.87% -13.04% 0.00% 13.95% -14.74% -9.98% -12.51% 38.43% - -1.66%
NOPAT Q/Q Growth		 51.13% 6.09% -12.54% 0.00% 9.23% -15.00% -9.63% -12.84% 38.96% - -8.65%
Net Income Q/Q Growth		 51.13% 6.09% -12.54% 0.00% 9.23% -15.00% -9.63% -12.84% 38.96% - -8.65%
EPS Q/Q Growth		 40.63% 6.67% -12.50% 0.00% 8.54% -14.61% -10.53% -13.24% 40.68% - -8.99%
Operating Cash Flow Q/Q Growth		 227.48% -38.71% 21.11% 0.00% 0.00% 17.15% -14.22% 47.94% -71.57% - -2.29%
Free Cash Flow Firm Q/Q Growth		 -295.99% 70.94% 16.46% 0.00% 435.05% 64.31% 9.41% -92.44% -1,076.34% - -32.27%
Invested Capital Q/Q Growth		 3.52% 9.61% -3.16% 0.00% -14.32% 0.35% -9.66% 27.87% 6.23% - -1.74%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.78% 41.60% 36.15% 35.05% 38.40% 33.73% 29.90% 25.92% 34.91% - 32.90%
EBIT Margin		 34.97% 38.69% 33.67% 32.52% 35.95% 31.23% 27.93% 23.99% 32.99% - 31.47%
Profit (Net Income) Margin		 27.37% 30.07% 26.32% 26.29% 27.86% 24.13% 21.66% 18.53% 25.59% - 24.44%
Tax Burden Percent		 78.28% 77.71% 78.16% 80.85% 77.50% 77.26% 77.56% 77.27% 77.56% - 77.67%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 21.72% 22.29% 21.84% 19.15% 22.50% 22.74% 22.44% 22.73% 22.44% - 22.33%
Return on Invested Capital (ROIC)		 12.62% 7.76% 7.32% 0.00% 0.00% 6.24% 6.05% 4.68% 6.77% - 6.89%
ROIC Less NNEP Spread (ROIC-NNEP)		 12.62% 7.76% 7.32% 0.00% 0.00% 6.24% 6.05% 4.68% 6.77% - 6.89%
Return on Net Nonoperating Assets (RNNOA)		 9.64% 6.20% 5.20% 0.00% 0.00% 3.74% 2.77% 2.83% 3.29% - 2.78%
Return on Equity (ROE)		 22.26% 13.96% 12.51% 0.00% 0.00% 9.99% 8.82% 7.51% 10.06% - 9.67%
Cash Return on Invested Capital (CROIC)		 -187.86% -25.42% -18.00% 0.00% 0.00% 28.55% 33.05% 6.51% -14.80% - -24.34%
Operating Return on Assets (OROA)		 3.16% 2.02% 1.82% 0.00% 0.00% 1.52% 1.35% 1.16% 1.60% - 1.55%
Return on Assets (ROA)		 2.47% 1.57% 1.42% 0.00% 0.00% 1.17% 1.05% 0.89% 1.24% - 1.20%
Return on Common Equity (ROCE)		 22.26% 13.96% 12.51% 0.00% 0.00% 9.99% 8.82% 7.51% 10.06% - 9.67%
Return on Equity Simple (ROE_SIMPLE)		 10.71% 0.00% 10.96% 0.00% 0.00% 0.00% 9.84% 9.03% 8.62% - 9.16%
Net Operating Profit after Tax (NOPAT)		 32 34 30 29 32 27 24 21 29 - 29
NOPAT Margin		 27.37% 30.07% 26.32% 26.29% 27.86% 24.13% 21.66% 18.53% 25.59% - 24.44%
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%
SG&A Expenses to Revenue		 42.64% 46.93% 46.26% 45.44% 44.04% 48.18% 47.92% 46.63% 46.67% - 46.40%
Operating Expenses to Revenue		 61.55% 60.17% 60.90% 62.33% 58.12% 63.16% 63.00% 61.47% 60.68% - 60.36%
Earnings before Interest and Taxes (EBIT)		 41 44 38 36 41 35 31 27 38 - 37
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 44 47 41 39 44 38 34 30 40 - 39
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.86 1.06 0.95 0.00 0.95 1.00 0.93 0.94 0.90 - 0.97
Price to Tangible Book Value (P/TBV)		 1.45 1.74 1.54 0.00 1.48 1.57 1.43 1.44 1.36 - 1.43
Price to Revenue (P/Rev)		 2.11 2.62 2.25 0.00 0.00 2.48 2.36 2.41 2.36 - 2.54
Price to Earnings (P/E)		 8.00 9.86 8.65 0.00 0.00 9.49 9.45 10.45 10.49 - 10.59
Dividend Yield		 6.40% 4.90% 5.48% 5.30% 5.25% 5.08% 5.39% 5.27% 5.40% - 4.99%
Earnings Yield		 12.51% 10.14% 11.56% 0.00% 0.00% 10.54% 10.58% 9.57% 9.53% - 9.44%
Enterprise Value to Invested Capital (EV/IC)		 0.75 0.81 0.73 0.00 0.78 0.86 0.81 0.86 0.84 - 0.88
Enterprise Value to Revenue (EV/Rev)		 3.24 3.65 2.97 0.00 0.00 2.96 2.52 3.39 3.51 - 3.61
Enterprise Value to EBITDA (EV/EBITDA)		 9.00 10.47 8.21 0.00 0.00 8.67 7.34 10.60 11.27 - 11.28
Enterprise Value to EBIT (EV/EBIT)		 9.66 10.74 8.88 0.00 0.00 8.87 7.88 11.38 12.08 - 11.94
Enterprise Value to NOPAT (EV/NOPAT)		 12.32 13.75 11.40 0.00 0.00 11.32 10.07 14.71 15.60 - 15.09
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.05 10.85 10.00 0.00 8.95 9.26 8.03 9.63 11.41 - 12.46
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 2.68 2.13 13.16 0.00 - 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.76 0.82 0.71 0.67 0.37 0.39 0.23 0.55 0.60 - 0.57
Long-Term Debt to Equity		 0.17 0.21 0.22 0.22 0.21 0.21 0.21 0.20 0.19 - 0.15
Financial Leverage		 0.76 0.80 0.71 0.68 0.55 0.60 0.46 0.60 0.49 - 0.40
Leverage Ratio		 9.00 8.90 8.81 8.67 8.54 8.50 8.42 8.41 8.13 - 8.03
Compound Leverage Factor		 9.00 8.90 8.81 8.67 8.54 8.50 8.42 8.41 8.13 - 8.03
Debt to Total Capital		 43.31% 45.14% 41.38% 39.95% 26.84% 27.97% 18.38% 35.30% 37.54% - 36.24%
Short-Term Debt to Total Capital		 33.42% 33.88% 28.34% 26.90% 11.44% 12.54% 1.38% 22.26% 25.54% - 26.52%
Long-Term Debt to Total Capital		 9.89% 11.26% 13.04% 13.05% 15.40% 15.43% 17.00% 13.04% 12.00% - 9.72%
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%
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%
Common Equity to Total Capital		 56.69% 54.86% 58.62% 60.05% 73.16% 72.03% 81.62% 64.70% 62.46% - 63.76%
Debt to EBITDA		 5.21 5.83 4.64 0.00 0.00 2.82 1.67 4.35 5.04 - 4.64
Net Debt to EBITDA		 3.16 2.96 1.98 0.00 0.00 1.40 0.45 3.07 3.69 - 3.36
Long-Term Debt to EBITDA		 1.19 1.45 1.46 0.00 0.00 1.56 1.54 1.61 1.61 - 1.24
Debt to NOPAT		 7.13 7.65 6.44 0.00 0.00 3.68 2.29 6.04 6.97 - 6.20
Net Debt to NOPAT		 4.32 3.88 2.75 0.00 0.00 1.82 0.62 4.25 5.11 - 4.49
Long-Term Debt to NOPAT		 1.63 1.91 2.03 0.00 0.00 2.03 2.12 2.23 2.23 - 1.66
Noncontrolling Interest Sharing Ratio		 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)		 -1,720 -500 -376 -73 246 404 442 33 -326 - -484
Operating Cash Flow to CapEx		 1,450.32% 1,076.74% 956.30% 0.00% 3,938.45% 20,282.74% 1,247.31% 3,454.22% 850.12% - 2,852.56%
Free Cash Flow to Firm to Interest Expense		 -56.73 -13.56 -9.19 -1.66 5.50 9.56 11.25 0.86 -7.87 - -13.30
Operating Cash Flow to Interest Expense		 1.64 0.83 0.90 0.00 0.76 0.95 0.87 1.31 0.35 - 0.95
Operating Cash Flow Less CapEx to Interest Expense		 1.53 0.75 0.81 0.00 0.74 0.94 0.80 1.27 0.31 - 0.92
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.09 0.05 0.05 0.00 0.00 0.05 0.05 0.05 0.05 - 0.05
Fixed Asset Turnover		 0.00 4.57 4.62 0.00 0.00 4.32 4.24 4.30 4.35 - 4.58
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,752 1,920 1,812 1,795 1,538 1,543 1,394 1,783 1,894 - 1,907
Invested Capital Turnover		 0.46 0.26 0.28 0.00 0.00 0.26 0.28 0.25 0.26 - 0.28
Increase / (Decrease) in Invested Capital		 1,752 534 406 102 -214 -377 -418 -12 356 - 513
Enterprise Value (EV)		 1,310 1,558 1,327 0.00 1,198 1,326 1,127 1,532 1,590 - 1,682
Market Capitalization		 851 1,118 1,007 0.00 1,068 1,112 1,058 1,089 1,070 - 1,181
Book Value per Share		 $28.08 $29.79 $30.57 $31.00 $31.68 $31.28 $31.90 $32.36 $33.16 - $33.86
Tangible Book Value per Share		 $16.53 $18.14 $18.79 $19.31 $20.31 $19.96 $20.68 $21.20 $22.07 - $22.95
Total Capital		 1,752 1,920 1,812 1,795 1,538 1,543 1,394 1,783 1,894 - 1,907
Total Debt		 759 867 750 717 413 432 256 629 711 - 691
Total Long-Term Debt		 173 216 236 234 237 238 237 232 227 - 185
Net Debt		 460 440 320 481 129 214 69 443 521 - 501
Capital Expenditures (CapEx)		 3.44 2.84 3.87 0.00 0.87 0.20 2.75 1.47 1.70 - 1.21
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 759 867 750 717 413 432 256 629 711 - 691
Total Depreciation and Amortization (D&A)		 3.28 3.27 2.79 2.79 2.79 2.80 2.21 2.21 2.21 - 1.70
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.91 $0.96 $0.85 $0.83 $0.90 $0.76 $0.69 $0.60 $0.83 $0.91 $0.82
Adjusted Weighted Average Basic Shares Outstanding		 34.82M 32.53M 34.74M 34.76M 34.79M 34.78M 34.90M 34.97M 35.00M 34.97M 35.11M
Adjusted Diluted Earnings per Share		 $0.90 $0.96 $0.84 $0.82 $0.89 $0.76 $0.68 $0.59 $0.83 $0.89 $0.81
Adjusted Weighted Average Diluted Shares Outstanding		 35.06M 32.76M 35.05M 35.12M 35.20M 35.15M 35.30M 35.33M 35.40M 35.36M 35.49M
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		 35.36M 35.49M 35.49M 35.51M 35.54M 35.67M 35.65M 35.67M 35.70M 35.92M 35.92M
Normalized Net Operating Profit after Tax (NOPAT)		 32 34 30 29 32 27 24 21 29 - 29
Normalized NOPAT Margin		 27.37% 30.07% 26.32% 26.29% 27.86% 24.13% 21.66% 18.53% 25.59% - 24.44%
Pre Tax Income Margin		 34.97% 38.69% 33.67% 32.52% 35.95% 31.23% 27.93% 23.99% 32.99% - 31.47%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.34 1.18 0.92 0.81 0.91 0.82 0.80 0.71 0.92 - 1.03
NOPAT to Interest Expense		 1.05 0.92 0.72 0.66 0.71 0.64 0.62 0.55 0.71 - 0.80
EBIT Less CapEx to Interest Expense		 1.23 1.10 0.83 0.00 0.90 0.82 0.73 0.67 0.88 - 0.99
NOPAT Less CapEx to Interest Expense		 0.94 0.84 0.63 0.00 0.69 0.63 0.55 0.51 0.67 - 0.76
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 45.65% 45.73% 47.04% 0.00% 0.00% 47.63% 50.46% 54.46% 56.11% - 52.54%
Augmented Payout Ratio		 45.89% 48.41% 52.22% 0.00% 0.00% 50.19% 50.46% 54.90% 56.56% - 55.21%

Financials Breakdown Chart

Key Financial Trends

Here are the 10 most important takeaways from Peoples Bancorp (PEBO) quarterly data over the last four years, focusing on operating performance, balance sheet trends, and cash flow dynamics. Items are ordered with positives first, then neutral, and none labeled negative in this set.

  • Total revenue for Q4 2025 rose to $117.3 million, up about 5% year over year from $111.6 million in Q4 2024, supported by stronger net interest income and non-interest income.
  • EPS and net income improvement in Q4 2025 show progress: basic earnings per share of $0.91 and diluted $0.89, with net income attributable to common shareholders around $31.8 million, up from about $29.3 million in Q4 2024.
  • Loans continued to grow, with Loans and Leases, Net of Allowance rising to about $6.65 billion at Q3 2025, up from roughly $6.21 billion a year earlier, indicating ongoing loanbook expansion.
  • Deposits remained ample and grew modestly to about $7.63 billion by Q3 2025 (Non-Interest Bearing ≈ $1.54B and Interest Bearing ≈ $6.10B), helping liquidity and funding stability.
  • Net interest income remained solid at roughly $91.0 million in Q4 2025, contributing to total interest income of about $130.5 million, pointing to a healthy net interest margin given the loan growth.
  • Operating cash flow softened modestly year over year, with net cash from continuing operating activities in Q4 2025 at about $134.7 million versus $142.95 million in Q4 2024, driven by working capital dynamics rather than profitability alone.
  • Credit quality remained generally stable, evidenced by a modest provision for credit losses (about $8.05 million in Q4 2025) and steady reserves relative to the loan base.
  • Capital base shows gradual expansion, with Total equity around $1.18 billion in mid-2025 and ongoing retention of earnings, contributing to a stronger capital position.
  • Equity issuance activity was modest in 2025 (e.g., small common-equity issuances in recent quarters), indicating limited dilution while supporting liquidity and capital needs.
  • Cash flow mix reflects ongoing investment and financing activity, including continuing investing and financing activity that produced net negative cash flows in some periods, yet overall liquidity remains supported by deposit growth and earnings.
05/05/26 08:21 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Peoples Bancorp's Financials

When does Peoples Bancorp's fiscal year end?

According to the most recent income statement we have on file, Peoples Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

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 $106.78 million in 2025, rising from $10.94 million in 2015. The previous period was $117.21 million in 2024. View Peoples Bancorp's forecast to see where analysts expect Peoples Bancorp to go next.

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

Over the last 10 years, Peoples Bancorp's total revenue changed from $143.99 million in 2015 to $459.31 million in 2025, a change of 219.0%.

How much debt does Peoples Bancorp have?

Peoples Bancorp's total liabilities were at $8.44 billion at the end of 2025, a 3.7% increase from 2024, and a 197.4% increase since 2015.

How much cash does Peoples Bancorp have?

In the past 10 years, Peoples Bancorp's cash and equivalents has ranged from $53.26 million in 2019 to $490.08 million in 2021, and is currently $107.86 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:PEBO last updated on 5/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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