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
3Y+12.0%
5Y+58.0%
10Y+123.0%
3Y+2.0%
5Y+8.0%
10Y+114.0%
3Y+699.0%
5Y-24.0%
10Y+96.0%
PEBO

Peoples Bancorp Inc. Cash Conversion Engine

PEBO ยท NASDAQ
Net Income106.78M
Depreciation & Amortization14.48M
Stock-Based Compensation6.91M
Change in Working Capital-28.09M
Others35.86M
Capital Expenditures-6.03M
Free Cash Flow128.70M

Cash Flow Quality Analysis

FCF Conversion Rate

120.5%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

4.5%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-5.6%

Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.

Working Capital Impact

-$28.09M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Peoples Bancorp Inc. Cash Flow Statement

PEBO โ€ข NASDAQ

Peoples Bancorp Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
106.8M
117.2M
113.4M
101.3M
47.6M
34.8M
53.7M
46.3M
38.5M
31.2M
10.9M
16.7M
17.6M
20.4M
12.6M
5.6M
4.2M
7.5M
18.3M
21.6M
14.5M
3.5M
3.7M
17.3M
24.6M
25.6M
17.9M
18.2M
18.1M
19.2M
18.5M
13.2M
16.1M
18.8M
17.2M
15.8M
4.1M
5.7M
7.2M
8.7M
-1.2M
7M
-238K
18.6M
2.9M
-8.1M
109K
-309K
-2.8M
-2.5M
-1.6M
3.8M
4.6M
4.5M
462K
-1.8M
-5.2M
-2.9M
-988K
-256K
6.9M
7.3M
6M
4.3M
3.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
35.9M
23.4M
20.3M
-12.3M
71M
32.2M
-4.3M
12.3M
1M
3.1M
19.1M
-201K
-6.2M
-5.2M
11.4M
24.5M
20.1M
29.6M
9.9M
-533K
(22.9M)
(28.5M)
(29.9M)
(4.1M)
(6.7M)
(12.5M)
(11.5M)
(6.1M)
(14M)
(11.9M)
(672K)
(6.7M)
(7.5M)
(5.6M)
(1.6M)
(385K)
(1.3M)
(4.4M)
(0.0)
(0.0)
-28.1M
-15.2M
517K
-9.3M
6.5M
940K
-248K
-1.2M
6.2M
9.7M
915K
-2M
8.4M
2.8M
1.8M
1M
114K
-4.4M
-3.5M
1.6M
134.7M
143.2M
143.6M
119.8M
156.4M
85.5M
67.2M
75.2M
60.8M
60.3M
47.9M
31.5M
40.5M
41.3M
43.4M
45.1M
23.3M
35.6M
30.9M
31M
INVESTING ACTIVITIES
-6M
-6.8M
-13.5M
-6.8M
-6.7M
-4.3M
-2.8M
-4.5M
-4.9M
-5.4M
-9.4M
-7.1M
-6.6M
-4.5M
-1.3M
-2M
-2.2M
-3.4M
-3M
-2.7M
(0.0)
-1.6M
(92.6M)
-85.8M
(132.7M)
-94.9M
(7.8M)
(4.7M)
-1.1M
-244K
(97.3M)
(17.1M)
-4.5M
-3.3M
(0.0)
(0.0)
(0.0)
(0.0)
-1.1M
-1.5M
-485.7M
-616.4M
-311.7M
-478.4M
-1.2B
-307.8M
-280.1M
-280M
-311.8M
-318.6M
-198.1M
-144.2M
-229.3M
-312.1M
-212.1M
-271.6M
-280M
-457.5M
-151.9M
-52.2M
480.2M
478.7M
455.3M
243.6M
858.4M
456.8M
284.9M
149.4M
154.5M
160.7M
186.1M
189.6M
225.9M
265.4M
186.5M
353.5M
265M
294.1M
136.6M
93.1M
-413M
-198.2M
-355.7M
-86.9M
115.5M
-443.8M
-8.8M
278K
556K
-34.8M
-76.9M
-69.6M
-65.5M
-15.1M
18.1M
61.6M
24.9M
-2.1M
8.9M
-68M
-424.4M
-344.3M
-132.9M
-414.2M
-74.4M
-393.9M
(1.1M)
-130.2M
-162.7M
-198.4M
-1.1M
-14.2M
-80M
-69.6M
-8.9M
(141.5M)
(7.8M)
-168.9M
-10.4M
-31.3M
FINANCING ACTIVITIES
-1.6M
-1.5M
-1.8M
-6.2M
906K
-28.7M
-799K
25K
9K
-4.9M
-741K
39.7M
-220K
-1.4M
-177K
266K
-244K
-296K
-18.4M
1.5M
301.1M
-436.4M
165.3M
228.1M
12.3M
-216.4M
-80.3M
57.3M
-97.5M
175.9M
-337K
-34.4M
58.8M
-44.1M
-15.3M
-113.8M
-84.1M
-47.4M
58.8M
-140.5M
-58.1M
-55.8M
-51.8M
-42.4M
-31M
-27.1M
-25.9M
-20.9M
-14.7M
-11.2M
-10.1M
-6.8M
-5.4M
-4.5M
-5.2M
-5.8M
-9M
-8.4M
-8.4M
-8.2M
-3.3M
-3M
-3M
-7.4M
(0.0)
-29.3M
-805K
(0.0)
(0.0)
-5M
-741K
-520K
-228K
-1.4M
-39.2M
-181K
-249K
-506K
-19.4M
(0.0)
19.7M
485.8M
150.3M
-146.8M
199.5M
617.5M
76.4M
23.9M
219.9M
-27M
-26M
-8.3M
-22.3M
103M
-10.6M
-34.4M
29.4M
179.9M
-47.2M
147.6M
261M
-7.9M
262M
32.7M
181.6M
345.3M
-30.6M
60.3M
107.9M
133.1M
-37.1M
-9.7M
30.8M
51.9M
-70.2M
-153.7M
-24.9M
123.8M
-15.1M
445K
CASH FLOW SUMMARY
-28.7M
-209.1M
272.7M
-261.7M
263.6M
36.9M
37.6M
5.4M
6M
-5M
9.7M
7.6M
-8.7M
23.6M
-35.7M
32.9M
6.2M
-9.6M
5.4M
158K
217.7M
426.7M
154M
415.7M
152.1M
115.2M
77.6M
72.2M
66.1M
71.1M
61.5M
53.8M
62.5M
39M
74.6M
41.8M
35.6M
45.2M
39.8M
39.6M
189M
217.7M
426.7M
154M
415.7M
152.1M
115.2M
77.6M
72.2M
66.1M
71.1M
61.5M
53.8M
62.5M
39M
74.6M
41.8M
35.6M
45.2M
39.8M
128.7M
136.4M
130.2M
113.1M
149.7M
81.2M
64.3M
70.7M
56M
54.9M
38.5M
24.4M
33.9M
36.7M
42.1M
43.1M
21.1M
32.1M
27.9M
28.3M

SEC Filings

PEBO - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
S-4

S-4

N/A

May 29, 2026
May 29, 2026
ย 
8-K

8-K 2026

N/A

May 04, 2026
May 04, 2026
2026
10-Q

10-Q 2026 Q1

Q1

April 30, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 27, 2026
April 27, 2026
2026
8-K

8-K 2026

N/A

April 24, 2026
April 24, 2026
2026
8-K

8-K 2026

N/A

April 21, 2026
April 21, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 06, 2026
February 23, 2026
2026
10-K

10-K 2025 FY

FY

February 26, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 02, 2026
February 02, 2026
2026
Showing 1 to 10 of 802 filings