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PEBO

Peoples Bancorp Inc.

PEBO

Peoples Bancorp Inc. • NASDAQ
$29.63 ▼ -0.54% (-0.16)
Market Cap $1.06 B
52w High $35.65
52w Low $26.21
Dividend Yield 1.63%
P/E 10.36
Volume 66.78K
Outstanding Shares 35.70M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $136.665M ▼ $69.894M ▲ $29.476M ▲ 21.568% ▲ $0.83 ▲ $19.382M ▼
Q2-2025 $150.336M ▲ $67.411M ▼ $21.212M ▼ 14.11% ▼ $0.6 ▼ $29.664M ▼
Q1-2025 $148.858M ▼ $68.004M ▼ $24.336M ▼ 16.348% ▼ $0.69 ▼ $33.59M ▼
Q4-2024 $156.936M ▲ $73.557M ▲ $26.93M ▼ 17.16% ▼ $0.77 ▼ $37.655M ▼
Q3-2024 $156.187M $63.863M $31.684M 20.286% $0.9 $43.667M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $1.167B ▲ $9.624B ▲ $8.441B ▲ $1.183B ▲
Q2-2025 $197.018M ▼ $9.541B ▲ $8.387B ▲ $1.153B ▲
Q1-2025 $1.261B ▼ $9.246B ▼ $8.108B ▼ $1.138B ▲
Q4-2024 $1.301B ▼ $9.254B ▲ $8.143B ▲ $1.112B ▼
Q3-2024 $1.364B $9.14B $8.015B $1.125B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $0 $50.708M ▲ $-313.317M ▼ $261.706M ▲ $-903K ▲ $49.24M ▲
Q1-2025 $0 $34.276M ▼ $-17.647M ▲ $-47.315M ▼ $-30.686M ▲ $31.528M ▼
Q4-2024 $0 $39.957M ▲ $-217.692M ▼ $111.692M ▲ $-66.043M ▼ $39.76M ▲
Q3-2024 $0 $34.107M ▲ $146.765M ▲ $-133.036M ▼ $47.836M ▲ $33.241M ▲
Q2-2024 $0 $32.114M $-150.297M $-75.666M $-193.849M $30.225M

Revenue by Products

Product Q3-2024Q4-2024Q1-2025Q2-2025
Fiduciary and Trust
Fiduciary and Trust
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue and profits have grown nicely over the past five years, with a noticeable step up as acquisitions and higher rates kicked in. Profitability has moved from “solid small bank” levels to clearly stronger territory, showing that the business model is working. More recently, earnings per share have flattened and even ticked down slightly from their peak, suggesting that growth is now more about managing margins and costs than explosive expansion. Overall, it looks like a mature, steadily profitable regional bank with good earnings power, but not immune to pressure from funding costs and credit cycles.

Balance Sheet

Balance Sheet The balance sheet has expanded significantly, reflecting both acquisition activity and organic growth. Assets and shareholder equity have both climbed, which supports a larger and more diversified franchise. Debt also increased, especially in the middle of the period, before easing a bit more recently, which is something to watch in a higher-rate environment. Cash levels move around year to year but remain adequate. Overall, the bank appears to be operating with a reasonably strong capital base, but continued balance between growth, leverage, and risk management will be important.

Cash Flow

Cash Flow Cash generation from the core business has been consistently positive and generally tracks reported profits, which is a healthy sign. Free cash flow is also solid and not heavily burdened by capital spending, since banking is not as capital-intensive as manufacturing or utilities. The relatively modest investment in physical assets means more cash can be directed toward dividends, acquisitions, or balance sheet strength, depending on management’s priorities. Stability in cash flows points to a business that is dependable rather than volatile, though still exposed to interest rate and credit conditions like any bank.

Competitive Edge

Competitive Edge Peoples Bancorp competes as a diversified regional bank with a strong community focus. Its edge comes from a mix of traditional banking, insurance, wealth management, and specialty finance, which gives it more fee-based income than a typical community bank. The bank holds strong positions in many of its smaller and rural markets, where competition can be less intense and customer relationships matter more. At the same time, operating near larger metro areas gives it access to bigger lending opportunities. The main risks are ongoing competition from larger banks and fintechs, and the need to keep deposit costs under control in a tougher rate environment.

Innovation and R&D

Innovation and R&D This is not a “cutting-edge fintech” story, but rather a bank that uses modern technology to support a broad, relationship-based model. Partnerships with established tech providers like Jack Henry and the use of platforms such as the Banno digital suite and Salesforce show a focus on practical, integration-oriented innovation rather than in-house experimentation. Digital banking, cash management tools, and data-driven customer management are all in place and being improved. The real innovation lies in combining these tools with niche businesses—equipment leasing, insurance premium finance, and wealth management—to deepen client relationships. The main execution risk is integrating acquired platforms and continuing to upgrade digital offerings fast enough to stay relevant.

Summary

Peoples Bancorp looks like a steadily growing regional bank that has scaled up through acquisitions and diversification, rather than through headline-grabbing tech or national expansion. Financial performance over the past five years shows stronger revenue and profits, a larger balance sheet, and dependable cash flow, albeit with some recent flattening in per-share earnings. Its competitive strength comes from a mix of community-bank roots, strong positions in smaller markets, and a broader product set that includes insurance, wealth, and specialty finance. Looking ahead, key variables include how well it integrates past and future acquisitions, manages credit and funding costs in a changing rate environment, and continues to enhance digital capabilities to meet customer expectations without overspending on technology.

NEWS

October 21, 2025 · 6:05 AM UTC

PEOPLES BANCORP INC. DECLARES QUARTERLY DIVIDEND

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October 21, 2025 · 6:00 AM UTC

PEOPLES BANCORP INC. ANNOUNCES THIRD QUARTER 2025 RESULTS

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September 29, 2025 · 4:05 PM UTC

PEOPLES BANCORP INC. TO ANNOUNCE 3RD QUARTER 2025 EARNINGS AND CONDUCT CONFERENCE CALL ON OCTOBER 21, 2025

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