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Company Analysis

Peoples Bancorp Inc. PEBO

A comprehensive view of key metrics, scores, and financial health for Peoples Bancorp Inc.

Overview of Peoples Bancorp Inc.

PEBO NMS
Financial Services Banks - Regional Small Cap
Peoples Bancorp Inc. (PEBO), is a Small Cap company, in the Banks - Regional industry, last closed at $34.92, about 1.1% overvalued vs fair value, +20.4% 1Y return, ranked 346/1037 in sector.
Metrics Rev Growth 39.3% ROE 9.2% Gross Margin 67.5%
$34.92
1.22%
As of April 28, 2026
Previous close • Vol 90d: 21.8%
52-Week Range
Market Cap
$1.25B
Enterprise Value
$1.80B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 51%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.peoplesbancorp.com
HQ Marietta, OH
Employees 1,454
Fiscal year Dec 31

Next Events

Earnings Apr 21 Estimated

Fair Value Snapshot

Bear Base Bull
$19
$35
$65
Current: $34.92 -1% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$520.8M
18.5%%
Interest Expense
$159.1M
Net Interest Income
$348.7M
2.7%%
Total Revenue
$618.4M
39.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.5%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$58.8M
50.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Peoples Bancorp Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
51
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
46
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing PEBO's balance between Growth (27.1%), Profitability (41.2%), and Safety (31.7%). Growth 27% Safety 32% Profitability 41%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

49th percentile vs peers
49
Key Signals
NII Growth YoY 2.8% 54p Asset Growth YoY 4.3% 53p EPS Growth YoY -3.6% 43p Equity Growth YoY 5.5% 39p
Strengths
  • Net Interest Margin in top 20% of peers (3.8%, 88th percentile)
  • ROTE in top 20% of peers (17.4%, 87th percentile)
  • Dividends/Tangible Equity in top 20% of peers (8.3%, 92th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

74th percentile vs peers
75
Key Signals
Strengths
Risks
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Safety

57th percentile vs peers
57
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Peoples Bancorp Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$34.55
- - -
-1.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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