PEOPLES BANCORP INC
PEBO· Nasdaq· State Commercial Banks
- Market cap
- –
- P/FCF
- –
- EV/Sales
- –
- FCF margin
- 148.4%
- ROIC, 5 yr avg
- –
- Revenue, 5 yr CAGR
- +10.0%
We record prices for the companies we cover; PEBO is not one of them yet.
Company statistics
Profile · FY2025
- Market cap
- –
- Enterprise value
- –
- Diluted shares
- 35.4M
- Revenue
- $86.7M
- Free cash flow
- $128.7M
- Owner earnings
- $121.8M
Valuation · FY2025
- P/E
- –
- P/FCF
- –
- P/Owner earnings
- –
- EV/Sales
- –
- EV/FCF
- –
- P/B
- –
Margins · FY2025
- Gross
- –
- Operating
- 155.4%
- Net
- 123.1%
- Free cash flow
- 148.4%
- Owner earnings
- 140.4%
- Stock pay
- 8.0%
Returns
- ROIC, FY2025
- –
- ROIC, 5 yr avg
- –
- ROE, FY2025
- 8.8%
- ROE, 5 yr avg
- 9.7%
Growth (CAGR)
- Revenue, 3 yr
- 7.4%
- Revenue, 5 yr
- 10.0%
- Revenue, 9 yr
- –
- Diluted EPS, 3 yr
- -6.0%
- Diluted EPS, 5 yr
- 11.6%
- Diluted EPS, 9 yr
- 6.4%
- Free cash flow, 3 yr
- 4.4%
- Free cash flow, 5 yr
- 9.7%
- Free cash flow, 9 yr
- 9.9%
Financial health · FY2025
- Cash and investments
- $189.0M
- Total debt
- $734.4M
- Net debt
- $545.5M
- Debt/Equity
- 0.6x
- Debt/FCF
- 5.7x
Shareholder returns · FY2025
- Dividend yield
- –
- Payout ratio
- 54.4%
- Buyback yield
- –
- Shareholder yield
- –
- Share count, 5 yr
- 12.2%
Financials: ten years from the 10-Ks
Revenue
$86.7M
+8.1% a year over 9 years
FY2016FY2025
Margins
Operating155.4%Net123.1%
FY2025
FY2016FY2025
Free cash flow and owner earnings
Free cash flow$128.7MOwner earnings$121.8M
Free cash flow +9.9% a year
FY2016FY2025
Diluted shares
35.4M
+94.8% over 9 years, net dilution
FY2016FY2025
Net debt (below zero)
-$545.5M
$545.5M more debt than cash
FY2016FY2025
Every figure, year by year
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| The business | ||||||||||
| Revenue | – | – | $50.3M | $56.3M | $53.9M | $61.4M | $70.0M | $79.5M | $84.8M | $86.7M |
| Revenue growth | – | – | – | 12.0% | -4.2% | 13.8% | 14.0% | 13.6% | 6.6% | 2.3% |
| Gross margin | – | – | – | – | – | – | – | – | – | – |
| Operating margin | – | – | 109.3% | 116.1% | 79.1% | 92.8% | 183.9% | 182.5% | 176.3% | 155.4% |
| Net income | $31.2M | $38.5M | $46.3M | $53.7M | $34.8M | $47.6M | $101.3M | $113.4M | $117.2M | $106.8M |
| Net margin | – | – | 92.0% | 95.4% | 64.5% | 77.5% | 144.8% | 142.6% | 138.3% | 123.1% |
| Diluted EPS | $1.71 | $2.10 | $2.41 | $2.63 | $1.73 | $2.15 | $3.60 | $3.44 | $3.31 | $2.99 |
| Return on invested capital? | – | – | – | – | – | – | – | – | – | – |
| Cash | ||||||||||
| Operating cash flow | $60.7M | $61.0M | $75.2M | $67.2M | $85.5M | $156.4M | $119.8M | $143.6M | $143.2M | $134.7M |
| Capital expenditure | $5.4M | $4.9M | $4.5M | $2.8M | $4.3M | $6.7M | $6.8M | $13.5M | $6.8M | $6.0M |
| Free cash flow | $55.2M | $56.2M | $70.7M | $64.3M | $81.2M | $149.7M | $113.1M | $130.2M | $136.4M | $128.7M |
| Stock-based compensation | $245.0K | $295.0K | $298.0K | $313.0K | -$377.0K | $3.9M | $4.3M | $6.0M | $7.3M | $6.9M |
| Owner earnings? | $55.0M | $55.9M | $70.4M | $64.0M | $81.6M | $145.8M | $108.8M | $124.2M | $129.0M | $121.8M |
| Free cash flow per share | $3.04 | $3.08 | $3.70 | $3.17 | $4.09 | $6.82 | $4.04 | $3.97 | $3.88 | $3.64 |
| Capital allocation | ||||||||||
| Dividends paid | $11.2M | $14.7M | $20.9M | $25.9M | $27.1M | $31.0M | $42.4M | $52.1M | $56.3M | $58.1M |
| Share repurchases | $5.0M | $0 | $0 | $805.0K | $29.3M | $0 | $7.4M | $3.0M | $3.0M | $838.0K |
| Diluted shares | 18.2M | 18.2M | 19.1M | 20.3M | 19.8M | 22.0M | 28.0M | 32.8M | 35.1M | 35.4M |
| Share count change? | 2.6% | 0.3% | 5.0% | 6.0% | -2.1% | 10.7% | 27.5% | 17.0% | 7.3% | 0.6% |
| Balance sheet | ||||||||||
| Cash and equivalents | $66.1M | $72.2M | $77.6M | $115.2M | $152.1M | $415.7M | $154.0M | $426.7M | $217.7M | $189.0M |
| Short-term investments | – | – | – | – | – | – | – | – | – | – |
| Total debt | $450.8M | $353.5M | $465.8M | $400.1M | $183.8M | $266.0M | $601.2M | $866.7M | $431.5M | $734.4M |
| Net debt | $384.6M | $281.3M | $388.2M | $284.9M | $31.7M | -$149.8M | $447.2M | $440.0M | $213.9M | $545.5M |
| Shareholders' equity | $435.3M | $458.6M | $520.1M | $594.4M | $575.7M | $845.0M | $785.3M | $1.1B | $1.1B | $1.2B |
Latest filings
| 2026-10-29 | 10-Q | Quarterly report |
| 2026-10-26 | 8-K | Earnings release |
| 2026-10-20 | 8-K | Earnings release |
| 2026-07-30 | 10-Q | Quarterly report |
| 2026-07-27 | 8-K | Earnings release |
| 2026-07-21 | 8-K | Earnings release |
| 2026-04-30 | 10-Q | Quarterly report |
| 2026-04-27 | 8-K | Earnings release |
| 2026-04-21 | 8-K | Earnings release |
| 2026-03-06 | DEF 14A | Proxy statement |
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