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Peoples Bancorp Inc. PEBO
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 27.25
-0.11 %
$ 972 M
Market Cap
8.23
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one PEBO stock under the worst case scenario is HIDDEN Compared to the current market price of 27.2 USD, Peoples Bancorp Inc. is HIDDEN

PEBO Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one PEBO stock under the base case scenario is HIDDEN Compared to the current market price of 27.2 USD, Peoples Bancorp Inc. is HIDDEN

PEBO Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one PEBO stock under the best case scenario is HIDDEN Compared to the current market price of 27.2 USD, Peoples Bancorp Inc. is HIDDEN

PEBO Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart PEBO

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1M -9%
6M -15%
1Y 1%
3Y 5%
5Y 70%
All
$36.0$36.0$35.0$35.0$34.0$34.0$33.0$33.0$32.0$32.0$31.0$31.0$30.0$30.0$29.0$29.0$28.0$28.0$27.0$27.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
521 M REVENUE
26.64%
Growth Rates
1Year 26.64%
3Years 30.95%
5Years 21.25%
7Years 18.04%
10Years 17.37%
505 M OPERATING INCOME
136.70%
Growth Rates
1Year 136.70%
3Years 104.92%
5Years 50.51%
7Years 28.99%
10Years 26.90%
117 M NET INCOME
3.39%
Growth Rates
1Year 3.39%
3Years 35.08%
5Years 16.90%
7Years 17.25%
10Years 21.52%
143 M OPERATING CASH FLOW
-0.32%
Growth Rates
1Year -0.32%
3Years -2.90%
5Years 16.35%
7Years 13.01%
10Years 16.35%
-4.11 M INVESTING CASH FLOW
96.91%
Growth Rates
1Year 96.91%
3Years 61.92%
5Years -37.43%
7Years 40.87%
10Years 11.64%
-58.7 M FINANCING CASH FLOW
-22.39%
Growth Rates
1Year -22.39%
3Years -9.78%
5Years -13.88%
7Years -6.40%
10Years -19.72%
115 M REVENUE
2.87%
Growth Rates
1Year 26.64%
3Years 30.95%
5Years 21.25%
7Years 18.04%
10Years 17.37%
0 OPERATING INCOME
0.00%
Growth Rates
1Year 136.70%
3Years 104.92%
5Years 50.51%
7Years 28.99%
10Years 26.90%
26.9 M NET INCOME
0.00%
Growth Rates
1Year 3.39%
3Years 35.08%
5Years 16.90%
7Years 17.25%
10Years 21.52%
40 M OPERATING CASH FLOW
17.15%
Growth Rates
1Year -0.32%
3Years -2.90%
5Years 16.35%
7Years 13.01%
10Years 16.35%
-218 M INVESTING CASH FLOW
-148.33%
Growth Rates
1Year 96.91%
3Years 61.92%
5Years -37.43%
7Years 40.87%
10Years 11.64%
112 M FINANCING CASH FLOW
183.96%
Growth Rates
1Year -22.39%
3Years -9.78%
5Years -13.88%
7Years -6.40%
10Years -19.72%
Balance Sheet Peoples Bancorp Inc.
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Current Assets 1.19 B
Cash & Short-Term Investments 1.19 B
Receivables 394 M
Other Current Assets -394 M
Non-Current Assets 506 M
Long-Term Investments 0
PP&E 104 M
Other Non-Current Assets 402 M
70.20 %23.18 %6.10 %23.69 %Total Assets$1.7b
Current Liabilities 193 M
Accounts Payable 0
Short-Term Debt 193 M
Other Current Liabilities 0
Non-Current Liabilities 7.95 B
Long-Term Debt 0
Other Non-Current Liabilities 7.95 B
97.62 %Total Liabilities$8.1b
EFFICIENCY
Earnings Waterfall Peoples Bancorp Inc.
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Revenue 521 M
Cost Of Revenue 0
Gross Profit 521 M
Operating Expenses 16 M
Operating Income 505 M
Other Expenses 388 M
Net Income 117 M
600m600m500m500m400m400m300m300m200m200m100m100m00521m0521m(16m)505m(388m)117mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.90%
5Years 100.54%
7Years 100.39%
10Years 100.39%
96.92% OPERATING MARGIN
96.92%
Averages
1Year 96.92%
3Years 65.62%
5Years 48.80%
7Years 45.62%
10Years 44.73%
22.51% NET MARGIN
22.51%
Averages
1Year 22.51%
3Years 27.21%
5Years 23.99%
7Years 24.66%
10Years 22.47%
10.54% ROE
10.54%
Averages
1Year 10.54%
3Years 11.40%
5Years 9.17%
7Years 9.11%
10Years 8.19%
1.27% ROA
1.27%
Averages
1Year 1.27%
3Years 1.30%
5Years 1.06%
7Years 1.10%
10Years 1.00%
23.31% ROIC
23.31%
Averages
1Year 23.31%
3Years 10.39%
5Years 6.84%
7Years 5.46%
10Years 4.20%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Peoples Bancorp Inc.
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160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 117 M
Depreciation & Amortization 3.51 M
Capital Expenditures -6.82 M
Stock-Based Compensation 0
Change in Working Capital 0
Others 11.2 M
Free Cash Flow 136 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Peoples Bancorp Inc.
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Wall Street analysts predict an average 1-year price target for PEBO of $38 , with forecasts ranging from a low of $36 to a high of $40 .
PEBO Lowest Price Target Wall Street Target
36 USD 32.11%
PEBO Average Price Target Wall Street Target
38 USD 39.45%
PEBO Highest Price Target Wall Street Target
40 USD 46.79%
Price
Max Price Target
Min Price Target
Average Price Target
40403838363634343232303028282626May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
1.27% DIVIDEND YIELD
0.4 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.601.601.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.150.150.20.260.30.340.350.360.380.390.40.150.160.20.280.340.340.360.380.390.40.150.160.220.280.340.340.360.380.390.40.150.600.170.640.220.840.31.120.341.320.351.370.361.430.381.500.391.550.41.590.402015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 16
6. Ownership
Insider Ownership Peoples Bancorp Inc.
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Sold
0-3 MONTHS
63 K USD 1
3-6 MONTHS
673 K USD 4
6-9 MONTHS
126 K USD 2
9-12 MONTHS
488 K USD 4
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
15 K USD 1
6-9 MONTHS
15 K USD 1
9-12 MONTHS
7. News
Peoples Bancorp of North Carolina: Rapidly Boosting Its Book Value Peoples Bancorp of North Carolina had a solid 2024 with a net profit of $16.4M and an EPS of $3.08, despite rising interest expenses. The bank's loan book is robust, with 45% in CRE loans and 35% in residential mortgages, and minimal past-due loans. PEBK's equity value increased to $131M, with a tangible book value of $24.64 per share, making the current stock price of $27.20 reasonable. seekingalpha.com - 2 weeks ago
PEOPLES BANCORP INC. TO ANNOUNCE 1ST QUARTER 2025 EARNINGS AND CONDUCT CONFERENCE CALL ON APRIL 22, 2025 MARIETTA, Ohio , March 26, 2025 /PRNewswire/ -- Peoples Bancorp Inc. ("Peoples") (Nasdaq: PEBO) today announced it intends to release first quarter 2025 earnings before the market opens on Tuesday, April 22, 2025, and conduct a facilitated conference call with analysts, media and individual investors at 11:00 a.m. Eastern Daylight Time on the same date. prnewswire.com - 3 weeks ago
Peoples Bancorp: A Solid 5.11% Yield, But Not Yet A Buy (Rating Downgrade) Despite the pre-market's negative reaction, I view Peoples Bancorp's quarterly results as positive, with low-cost deposits, improved loans, and a sustainable 5% dividend yield. The loan portfolio's conservative approach and high asset quality are strengths, though loan growth is sluggish and loan yield has decreased. Lower cost of liabilities and strong deposit management are expected to maintain high profitability, even if loan portfolio improvements are modest in 2025. seekingalpha.com - 2 months ago
Peoples Bancorp Inc. (PEBO) Q4 2024 Earnings Call Transcript Peoples Bancorp Inc. (NASDAQ:PEBO ) Q4 2024 Earnings Conference Call January 21, 2025 11:00 AM ET Company Participants Tyler Wilcox - President & Chief Executive Officer Katie Bailey - Chief Financial Officer & Treasurer Conference Call Participants Brendan Nosal - Hovde Group Tim Switzer - KBW Terry McEvoy - Stephens Daniel Tamayo - Raymond James Nathan Race - Piper Sandler Manuel Navas - D.A. Davidson Daniel Cardenas - Janney Montgomery Scott Operator Good morning, and welcome to Peoples Bancorp Inc.'s conference call. seekingalpha.com - 2 months ago
Peoples Bancorp (PEBO) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates The headline numbers for Peoples Bancorp (PEBO) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 2 months ago
Peoples Bancorp (PEBO) Q4 Earnings and Revenues Beat Estimates Peoples Bancorp (PEBO) came out with quarterly earnings of $0.82 per share, beating the Zacks Consensus Estimate of $0.75 per share. This compares to earnings of $1.04 per share a year ago. zacks.com - 2 months ago
PEOPLES BANCORP INC. DECLARES QUARTERLY DIVIDEND MARIETTA, Ohio , Jan. 21, 2025 /PRNewswire/ -- The Board of Directors of Peoples Bancorp Inc. ("Peoples") (Nasdaq: PEBO) declared a quarterly cash dividend of $0.40 per common share on January 20, 2025, payable on February 18, 2025, to shareholders of record on February 3, 2025. This dividend represents a payout of approximately $14.2 million, or 52.8% of Peoples' reported fourth quarter 2024 earnings. prnewswire.com - 2 months ago
PEOPLES BANCORP INC. ANNOUNCES FOURTH QUARTER AND ANNUAL RESULTS FOR 2024 MARIETTA, Ohio , Jan. 21, 2025 /PRNewswire/ -- Peoples Bancorp Inc. ("Peoples") (NASDAQ: PEBO) today announced results for the quarter and year ended December 31, 2024. Net income totaled $26.9 million for the fourth quarter of 2024, representing earnings per diluted common share of $0.76. prnewswire.com - 2 months ago
Unveiling Peoples Bancorp (PEBO) Q4 Outlook: Wall Street Estimates for Key Metrics Besides Wall Street's top -and-bottom-line estimates for Peoples Bancorp (PEBO), review projections for some of its key metrics to gain a deeper understanding of how the company might have fared during the quarter ended December 2024. zacks.com - 3 months ago
PEOPLES BANCORP INC. TO ANNOUNCE 4TH QUARTER 2024 EARNINGS AND CONDUCT CONFERENCE CALL ON JANUARY 21, 2025 MARIETTA, Ohio , Dec. 27, 2024 /PRNewswire/ -- Peoples Bancorp Inc. ("Peoples") (Nasdaq: PEBO) today announced it intends to release fourth quarter and full year 2024 earnings before the market opens on Tuesday, January 21, 2025, and conduct a facilitated conference call with analysts, media and individual investors at 11:00 a.m. Eastern Time on the same date. prnewswire.com - 3 months ago
Peoples Bancorp: Loan Growth To Support Earnings - Buy After declining in the third quarter, Peoples Bancorp's loan growth will likely recover as the regional economies are in satisfactory condition. Interest rate cuts will pressure the margin because the balance sheet is asset-sensitive. I have not factored in new tariffs in my rate outlook due to a lack of clarity. The December 2025 target price suggests a moderate upside from the current market price. seekingalpha.com - 5 months ago
Peoples Bancorp Inc. (PEBO) Q3 2024 Earnings Call Transcript Peoples Bancorp Inc. (NASDAQ:PEBO ) Q3 2024 Earnings Call Transcript October 22, 2024 11:00 AM ET Company Participants Tyler Wilcox - President and CEO Katie Bailey - CFO and Treasurer Conference Call Participants Daniel Tamayo - Raymond James Brendan Nosal - Hovde Group Terry McEvoy - Stephens Nathan Race - Piper Sandler Tim Switzer - KBW Manuel Navas - D.A. Davidson Daniel Cardenas - Janney Montgomery Scott Operator Good morning, and welcome to Peoples Bancorp Inc.'s Conference Call. seekingalpha.com - 5 months ago
8. Profile Summary

Peoples Bancorp Inc. PEBO

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 972 M
Dividend Yield 1.27%
Description 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.
Contact 138 Putnam Street, Marietta, OH, 45750-0738 https://www.peoplesbancorp.com
IPO Date Feb. 10, 1993
Employees 1479
Officers Mr. M. Ryan Kirkham Executive Vice President, General Counsel & Corporate Secretary Mr. Tyler J. Wilcox President, Chief Executive Officer & Director Ms. Kathryn M. Bailey CPA Executive Vice President, Chief Financial Officer & Treasurer Mr. Mark J. Augenstein Executive Vice President of Operations Mr. Matthew M. Edgell Chief of Staff & Executive Vice President Mr. Matthew J. Macia Executive Vice President & Chief Risk Officer Mr. Richard P. Vaughan Executive Vice President of Retail & Business Banking Mr. Douglas Vincent Wyatt Executive Vice President & Chief Commercial Banking Officer Mr. Hugh J. Donlon Executive Vice President of Community Banking Mr. Jason M. Eakle Executive Vice President & Chief Credit Officer