Peoples Bancorp Inc. (PEBO) AI Stock Analysis

Peoples Bancorp Inc. acts as the holding company for Peoples Bank, delivering commercial and retail banking services. Established in 1902 and based in Marietta, Ohio, the bank offers deposit products such as demand deposit accounts, savings, money market accounts, and certificates of deposit. Lending activities span commercial and industrial, commercial real estate, construction, residential real estate, and consumer loans, alongside home equity lines of credit. It also provides insurance lines covering life, health, property, and casualty, as well as equipment leasing, trust, and asset management services through 135 financial service offices and ATMs.

Revenue increased from $244.3M in FY2021 to $618.4M in FY2025, reflecting a 5-year compound annual growth rate of 23.7%. Operating margin moderated from 37.9% in FY2022 to 21.8% in FY2025, while net margin moved from 29.8% to 17.3% over the same period. Net income totaled $106.8M in FY2025, producing diluted earnings per share of $3.15. For the trailing twelve months ended June 30, 2026, revenue stood at $434.5M with an operating margin of 35.7%. In the latest quarter, quarterly revenue rose 10.8% year-over-year, and quarterly earnings grew 32.2%.

As of June 30, 2026, Peoples Bancorp held $106.6M in cash and short-term investments, with total debt of $744.9M and net debt of $638.3M. Total assets reached $9.54B against shareholders' equity of $1.24B, generating a debt-to-equity ratio of 0.60 and a current ratio of 0.18. In FY2025, the bank generated $134.7M in operating cash flow and $128.7M in free cash flow. Cash outlays during FY2025 included $6.0M for capital expenditures, $3.3M for share buybacks, and $58.1M in dividends paid.

Peoples Bancorp trades at a trailing price-to-earnings multiple of 11.1x and a forward multiple of 9.8x, both beneath the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. Its price-to-sales ratio is 3.0x compared to the peer median of 3.2x, while price-to-book stands at 1.2x. Over the past year, PEBO gained 39.4%, outperforming the S&P 500 index return of 16.8%. Over a 5-year timeframe, the stock gained 47.2%, trailing the S&P 500 return of 83.0%.

Peoples Bancorp pays a forward annual dividend of $1.68 per share, yielding 4.58% at a payout ratio of 45.7%. The quarterly distribution has been paid for 34 consecutive years, recording an annualized 5-year dividend growth rate of 3.5%. The last ex-dividend date was August 3, 2026.

Wall Street coverage includes 1 Strong Buy, 1 Buy, and 5 Hold recommendations. The mean price target of $42.50 implies upside of 15.7% from the last close of $36.72. For the fiscal year ending December 31, 2026, consensus estimates project earnings per share of $3.65 on revenue of $493.1M. Peoples Bancorp beat earnings estimates in each of the last 4 quarters, with the next earnings announcement scheduled for October 20, 2026.

This page is an AI-written research summary of Peoples Bancorp Inc. (PEBO). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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