Peoples Bancorp Inc.

Peoples Bancorp Inc.

PEBOยทNASDAQ

$34.08

-2.5%
Financial ServicesBanks - Regional

Peoples Bancorp Inc. operates as the holding company for Peoples Bank that provides commercial and retail banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and provides commercial and industrial, commercial real estate, construction, finance, residential real estate, and consumer indirect and direct loans, as well as home equity lines of credit and overdrafts. It also offers debit and automated teller machine (ATM) cards; safe deposit rental facilities; money orders and cashier's checks; and telephone, mobile, and Internet-based banking services. In addition, the company provides various life, health, and property and casualty insurance products; third-party insurance administration; insurance premium financing; commercial and technology equipment leasing; fiduciary and trust; underwriting, origination and servicing of equipment leases, and equipment financing agreements; and asset management and administration services, as well as employee benefit, retirement, and health care plan administration services. Further, it offers brokerage services through an unaffiliated registered broker-dealers; insurance premium finance lending and lease financing services; and credit cards to individuals and businesses, as well as provides merchant credit card transaction processing, and person-to-person payment processing services. The company operates through 135 financial service offices and ATMs, including 119 full-service branches in Ohio, West Virginia, Kentucky, Virginia, Washington, D.C., and Maryland. Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio.

At a Glance

Live Snapshot
Market Cap$1.22B
EPS3.0300
P/E Ratio11.25
Earnings Date07/28/2026
Peoples Bancorp Inc.

Peoples Bancorp Inc. Fair Value Envelope

PEBO ยท NASDAQ

Our analysis suggests that PEBO has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $34.08, this represents a potential HIDDEN relative to our calculated worth for Peoples Bancorp Inc..

Intrinsic Value
Current Price: $34.08

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$1.3B
+ Cash & Equivalents$189.0M
Firm Value$1.5B
- Debt$734.4M
Equity Value$728.9M
/ Shares Outstanding35,702,963B
DCF Value$20
OVERVALUED BY 40%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$127.2M
$120.0M
$113.3M
$106.9M
$100.9M
$95.2M
$89.9M
$84.8M
$80.0M
$75.5M
Maintenance CapEx
-$1.1M
-$1.1M
-$1.0M
-$956.2K
-$902.5K
-$851.8K
-$803.9K
-$758.7K
-$716.0K
-$675.8K
Owner Earnings
$126.0M
$118.9M
$112.2M
$105.9M
$100.0M
$94.4M
$89.1M
$84.1M
$79.3M
$74.9M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$116.7M
$102.0M
$89.1M
$77.9M
$68.0M
$59.5M
$52.0M
$45.4M
$39.7M
$34.7M
Terminal Value represents 46.3% of Enterprise Value