PEBO
Peoples Bancorp Inc.
PEBO's fundamentals are mixed: its operating margin rose 3 points to 33%, while revenue grew 3.3%. At 11x earnings, it's trading in line with its usual 11x. Analysts expect earnings growth.
PEBO Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
PEBO's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like PEBO.
PEBO PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.3x | $28.05 | -27% |
| Forward | 9.8x | $38.27 | — |
| Fair | 11x | $36.08 | -5.7% |
| Current | 11x | $38.27 | — |
| Expensive | 13x | $44.53 | +16% |
Historical ranges are pointers, not guarantees.
PEBO's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 9.8x next year's earnings.
PEBO Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for PEBO, but weaker profitability.
PEBO Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.89 | +15% |
| Q3 2026 | $3.39 | +19% |
| Q2 2026 | $3.31 | +13% |
| Q1 2026 | $3.12 | -1% |
| Q4 2025 | $2.99 | -9.7% |
| Q3 2025 | $2.86 | -19% |
| Q2 2025 | $2.92 | -17% |
| Q1 2025 | $3.15 | -5.7% |
| Q4 2024 | $3.31 | -3.8% |
PEBO earned $3.39 per share over the past year, up 19% from the year before.
PEBO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $119.5M | +3.7% |
| Q2 2026 | $113.1M | -1.2% |
| Q1 2026 | $118.7M | +5.6% |
| Q4 2025 | $117.3M | +5.1% |
| Q3 2025 | $115.2M | +1.3% |
| Q2 2025 | $114.5M | +3.8% |
| Q1 2025 | $112.4M | -0.1% |
| Q4 2024 | $111.6M | -0.8% |
PEBO's revenue grew through 2024 and has held roughly level since: $119M last quarter, up 3.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | +1.6 points |
| Q2 2026 | 32% | +7.5 points |
| Q1 2026 | 31% | +3.5 points |
| Q4 2025 | 32% | +1.1 points |
| Q3 2025 | 33% | -3 points |
| Q2 2025 | 24% | -8.5 points |
| Q1 2025 | 28% | -5.7 points |
| Q4 2024 | 31% | -7.5 points |
PEBO's operating margin was 35% last quarter, up 1.6 points from the same quarter a year ago.
PEBO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $47.1M | +270% |
| Q2 2026 | $55.2M | +12% |
| Q1 2026 | $33.3M | +5.6% |
| Q4 2025 | $35.2M | -11% |
| Q3 2025 | $12.7M | -62% |
| Q2 2025 | $49.2M | +63% |
| Q1 2025 | $31.5M | -4.9% |
| Q4 2024 | $39.8M | +43% |
PEBO's free cash flow was $171M over the past year, up 28% from the year before. Free cash flow isn't a meaningful measure for financial services companies like PEBO.
PEBO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +95.9K shares |
| 1 year | +0.7% | +264K shares |
| 3 years | +1.7% | +601K shares |
| 5 years | +83% | +16.2M shares |
| Available history | +73% | +15.1M shares |
PEBO has 36M diluted shares, up 0.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | $383,000 |
| Q3 2025 | — |
| Q2 2025 | $455,000 |
| Q1 2025 | — |
| Q4 2024 | — |
PEBO has spent almost nothing on buybacks in the past year.
PEBO Net Leverage
PEBO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.3 | Neutral |
| Stochastic | 47.2 | Neutral |
PEBO's weekly RSI is 53 (neutral) and its Stochastic is 47 (neutral).
PEBO PE vs Financial Services Sector
| Metric | PEBO | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 59 | 63 | 4 pts below |
PEBO is trading at 11x earnings, a 13% discount to the Financial Services sector's median of 13x.
PEBO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $37.9 | 1.1% above |
| 20 week MA | $39.1 | 2.2% below |
| 50 week MA | $35.5 | 7.7% above |
| 100 week MA | $32.8 | 17% above |
| 200 week MA | $31.0 | 24% above |
PEBO's trend is mixed: it's above four of its five weekly moving averages, and 24% above its 200-week average.
PEBO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $34.7 | $27.0 | -22% |
| 2021 | $27.0 | $31.4 | +16% |
| 2022 | $31.4 | $28.5 | -9.1% |
| 2023 | $28.5 | $33.8 | +18% |
| 2024 | $33.8 | $31.9 | -5.5% |
| 2025 | $31.9 | $30.5 | -4.3% |
| 2026 YTD | $30.5 | $38.3 | +25% |
PEBO has finished lower in four of the last six years. It's up 25% so far in 2026.