Peoples Bancorp Financials

PEBO Stock  USD 29.79  0.24  0.80%   
Based on the analysis of Peoples Bancorp's profitability, liquidity, and operating efficiency, Peoples Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Peoples Bancorp's Other Assets are very stable compared to the past year. As of the 21st of March 2025, Cash And Short Term Investments is likely to grow to about 1.3 B, though Other Current Liabilities is likely to grow to (183.8 M). Key indicators impacting Peoples Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.230.2251
Fairly Up
Slightly volatile
Return On Assets0.01050.0127
Significantly Down
Slightly volatile
Return On Equity0.10.1054
Notably Down
Slightly volatile
Debt Equity Ratio0.170.1741
Fairly Down
Slightly volatile
Operating Income530 M504.8 M
Sufficiently Up
Slightly volatile
Current Ratio5.856.1625
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for Peoples Bancorp includes many different criteria found on its balance sheet. An individual investor should monitor Peoples Bancorp's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Peoples Bancorp.

Net Income

123.07 Million

  

Peoples Bancorp Stock Summary

Peoples Bancorp competes with Eagle Bancorp, Northrim BanCorp, United Bankshares, Pacific Premier, and Sandy Spring. Peoples Bancorp Inc. operates as the holding company for Peoples Bank that provides commercial and retail banking products and services. Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio. Peoples Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 1244 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS7097891011
CUSIP709789101
LocationOhio; U.S.A
Business Address138 Putnam Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.peoplesbancorp.com
Phone740 373 3155
CurrencyUSD - US Dollar

Peoples Bancorp Key Financial Ratios

Peoples Bancorp Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets4.8B7.1B7.2B9.2B9.3B9.7B
Other Current Liab(20M)(55M)(400M)5.6B(193.5M)(183.8M)
Net Debt31.7M(151.9M)447.2M158.5M84.8M80.5M
Retained Earnings190.7M207.3M265.9M327.2M388.1M407.5M
Cash152.1M417.9M154.0M426.7M108.7M84.7M
Other Assets2.8B3.2B3.4B(1.2B)7.6B7.9B
Total Liab4.2B6.2B6.4B8.1B8.1B8.5B
Total Current Assets905.1M1.8B1.6B467.2M1.2B1.1B
Short Term Debt20M55M400M369M193.5M132.1M
Common Stock422.5M686.3M686.5M865.2M866.8M910.2M
Accounts Payable3.3B3.9B5.9B5.7B6.6B6.9B
Long Term Debt110.6M99.5M101.1M216.2M238.1M148.9M
Good Will171.3M269.8M292.4M362.2M363.2M381.4M
Inventory134K(442.7M)(186.1M)(291.5M)(262.4M)(249.3M)
Treasury Stock(14.1M)(12.2M)(38.9M)(36.7M)(33.0M)(31.4M)
Intangible Assets13.3M26.8M33.9M50.0M39.2M41.2M
Other Current Assets165.8M442.7M186.1M467.2M420.5M754.4M
Net Tangible Assets416.9M391.1M548.6M460.8M529.9M340.9M
Long Term Debt Total109.6M83.1M110.6M99.5M89.5M101.8M

Peoples Bancorp Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense18.2M12.2M16.1M100.0M172.1M180.7M
Total Revenue195.1M231.9M320.9M411.2M520.8M546.8M
Gross Profit195.1M231.9M320.9M422.3M520.8M546.8M
Operating Income42.6M58.7M154.3M213.2M504.8M530.0M
Ebit59.1M70.7M131.2M145.1M166.9M175.2M
Ebitda68.3M81.6M146.0M164.1M188.7M198.1M
Income Before Tax42.6M58.7M128.6M145.1M149.5M156.9M
Net Income34.8M47.6M101.3M113.4M117.2M123.1M
Income Tax Expense7.9M10.9M27.3M31.8M32.3M33.9M
Tax Provision7.9M10.9M27.3M29.2M32.3M18.1M
Net Interest Income138.9M172.4M253.4M321.6M348.7M200.4M
Interest Income157.1M184.6M269.6M390.4M520.8M546.8M

Peoples Bancorp Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash36.9M263.6M(261.7M)272.7M12.8M16.9M
Free Cash Flow81.2M149.7M113.1M130.2M136.4M143.2M
Depreciation25.6M24.6M17.3M3.7M3.5M3.3M
Other Non Cash Items12.7M76.1M(8.4M)20.3M26.0M27.3M
Dividends Paid27.1M31.0M42.4M51.8M55.8M58.6M
Capital Expenditures4.3M6.7M6.8M13.5M6.8M4.2M
Net Income34.8M47.6M101.3M113.4M117.2M123.1M
End Period Cash Flow152.1M415.7M154.0M426.7M30.0M28.5M
Investments(295.1M)(202.5M)(414.2M)(291.8M)(344.3M)(327.1M)
Change Receivables854K(613K)865K1.4M1.7M1.7M
Net Borrowings(80.3M)(263.7M)12.3M228.1M262.3M275.4M
Change To Netincome2.5M26.3M62.9M10.1M11.6M11.2M

Peoples Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Peoples Bancorp's current stock value. Our valuation model uses many indicators to compare Peoples Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Peoples Bancorp competition to find correlations between indicators driving Peoples Bancorp's intrinsic value. More Info.
Peoples Bancorp is regarded fourth in return on equity category among its peers. It is regarded third in return on asset category among its peers reporting about  0.12  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Peoples Bancorp is roughly  8.53 . At this time, Peoples Bancorp's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Peoples Bancorp's earnings, one of the primary drivers of an investment's value.

Peoples Bancorp Systematic Risk

Peoples Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Peoples Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Peoples Bancorp correlated with the market. If Beta is less than 0 Peoples Bancorp generally moves in the opposite direction as compared to the market. If Peoples Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Peoples Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Peoples Bancorp is generally in the same direction as the market. If Beta > 1 Peoples Bancorp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Peoples Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Peoples Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Peoples Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(3.43)

At this time, Peoples Bancorp's Price Earnings To Growth Ratio is very stable compared to the past year.

Peoples Bancorp March 21, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Peoples Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Peoples Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Peoples Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Peoples Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Peoples Bancorp's daily price indicators and compare them against related drivers.
When determining whether Peoples Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Peoples Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Peoples Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Peoples Bancorp Stock:
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Peoples Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
To learn how to invest in Peoples Stock, please use our How to Invest in Peoples Bancorp guide.
You can also try the Headlines Timeline module to stay connected to all market stories and filter out noise. Drill down to analyze hype elasticity.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Peoples Bancorp. If investors know Peoples will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Peoples Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.21)
Dividend Share
1.6
Earnings Share
3.31
Revenue Per Share
16.257
Quarterly Revenue Growth
0.354
The market value of Peoples Bancorp is measured differently than its book value, which is the value of Peoples that is recorded on the company's balance sheet. Investors also form their own opinion of Peoples Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Peoples Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Peoples Bancorp's market value can be influenced by many factors that don't directly affect Peoples Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Peoples Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Peoples Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Peoples Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.