NASDAQ : PEBO
Peoples Bancorp Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 38.81 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 1.37B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 440.19M | 441.06M | 451.00M | 383.03M | 234.76M | 166.08M |
| Interest Income on Investments | 73.25M | 73.25M | 69.78M | 56.37M | 34.79M | 18.71M |
| Total Interest Income | 513.44M | 514.31M | 520.78M | 439.40M | 269.55M | 184.79M |
| Interest Paid on Deposits | 121.49M | 135.16M | 142.11M | 71.93M | 9.92M | |
| Interest Paid on Borrowings | 23.91M | 23.91M | 29.96M | 28.09M | 6.94M | 2.31M |
| Total Interest Expense | 145.40M | 159.08M | 172.07M | 100.03M | 6.94M | 12.24M |
| Net Interest Income | 368.04M | 355.23M | 348.70M | 339.37M | 262.61M | 172.55M |
| Trust Income | 23.46M | 21.45M | 19.51M | 17.16M | 16.39M | 16.46M |
| Mortgage Banking Activities | 2.09M | 1.40M | 1.79M | 1.08M | 1.40M | 3.44M |
| Gain (Loss) on Sale of Assets | -48.00K | |||||
| Gain (Loss) on Sale of Investments | -12.79M | -2.68M | -366.00K | -3.84M | -59.00K | -751.00K |
| Other Non-Interest Income | 69.78M | 66.94M | 60.85M | 56.33M | 46.52M | 39.60M |
| Total Non-Interest Income | 100.55M | 104.08M | 99.37M | 87.41M | 78.84M | 68.89M |
| Revenues Before Loan Losses | 468.59M | 459.31M | 448.07M | 426.79M | 341.45M | 241.44M |
| Provision for Loan Losses | 26.02M | 42.16M | 24.79M | 15.17M | -3.51M | 731.00K |
| Revenue | 442.57M | 417.15M | 423.28M | 411.61M | 344.96M | 240.71M |
| Salaries and Employee Benefits | 152.62M | 149.62M | 142.72M | 138.01M | 108.34M | 86.90M |
| Occupancy Expenses | 13.30M | 12.70M | 13.05M | 12.55M | 11.17M | 9.01M |
| Federal Deposit Insurance | 5.39M | 5.14M | 4.93M | 4.79M | 3.70M | 1.98M |
| Amortization of Goodwill & Intangibles | 7.30M | 8.85M | 11.16M | 11.22M | 7.76M | 4.78M |
| Selling, General & Administrative | 71.14M | 68.11M | 65.47M | 63.74M | 43.70M | 33.72M |
| Other Non-Interest Expense | 40.48M | 37.92M | 36.49M | 36.18M | 38.63M | 25.93M |
| Total Non-Interest Expense | 290.23M | 282.34M | 273.82M | 266.49M | 213.30M | 162.31M |
| EBT Excluding Unusual Items | 152.34M | 134.81M | 149.46M | 145.13M | 131.66M | 78.39M |
| Pretax Income | 152.34M | 134.81M | 149.46M | 145.13M | 128.64M | 56.97M |
| Income Tax Expense | 31.02M | 28.03M | 32.26M | 31.76M | 27.35M | 9.41M |
| Net Income | 121.32M | 106.78M | 117.20M | 113.36M | 101.29M | 47.55M |
| Preferred Dividends & Other Adjustments | 1.10M | 978.00K | 1.01M | 800.00K | 450.00K | 321.00K |
| Net Income to Common | 120.22M | 105.80M | 116.19M | 112.56M | 100.84M | 47.23M |
| Basic Shares Outstanding | 35.13M | 34.97M | 34.78M | 32.53M | 27.91M | 21.82M |
| Diluted Shares Outstanding | 35.54M | 35.36M | 35.15M | 32.76M | 28.00M | 21.96M |
| EPS (Basic) | 3.42 | 3.03 | 3.34 | 3.46 | 3.61 | 2.17 |
| EPS (Diluted) | 3.38 | 2.99 | 3.31 | 3.44 | 3.60 | 2.15 |
| Dividend Per Share | 1.67 | 1.64 | 1.60 | 1.56 | 1.52 | 1.44 |
| Effective Tax Rate | 20.36% | 20.79% | 21.58% | 21.89% | 21.26% | 16.53% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 300.77M | 188.95M | 217.66M | 426.72M | 154.02M | 415.73M |
| Investment Securities | 1.76B | 814.68M | 817.06M | 717.41M | 770.91M | 589.02M |
| Trading Asset Securities | 9.71M | 18.74M | 22.30M | 34.12M | 12.16M | |
| Mortgage-Backed Securities | 1.11B | 1.06B | 1.03B | 937.53M | 1.08B | |
| Total Investments | 1.76B | 1.93B | 1.89B | 1.77B | 1.74B | 1.68B |
| Gross Loans | 6.84B | 6.76B | 6.36B | 6.16B | 4.71B | 4.50B |
| Allowance for Loan Losses | -75.73M | -75.68M | -63.35M | -62.01M | -53.16M | -63.97M |
| Other Adjustments to Gross Loans | -15.23M | |||||
| Net Loans | 6.77B | 6.68B | 6.29B | 6.10B | 4.65B | 4.42B |
| Property, Plant & Equipment | 96.72M | 109.85M | 114.09M | 115.55M | 89.76M | 97.17M |
| Goodwill | 363.20M | 363.20M | 363.20M | 362.17M | 292.40M | 264.19M |
| Other Intangible Assets | 25.11M | 29.16M | 38.01M | 48.62M | 32.12M | 24.60M |
| Loans Held for Sale | 3.25M | 2.67M | 2.35M | 1.87M | 2.14M | 3.79M |
| Accrued Interest Receivable | 32.00M | 33.00M | 34.00M | 23.20M | 17.50M | |
| Other Real Estate Owned & Foreclosed | 341.00K | 123.00K | 6.17M | 7.17M | 8.90M | 9.50M |
| Other Long-Term Assets | 332.90M | 280.97M | 268.80M | 263.36M | 181.62M | 116.59M |
| Total Assets | 9.65B | 9.65B | 9.25B | 9.16B | 7.21B | 7.06B |
| Accrued Expenses | 122.92M | 76.69M | 90.89M | 101.19M | 65.72M | 61.63M |
| Interest Bearing Deposits | 5.88B | 4.92B | 4.99B | 4.72B | 3.86B | 3.90B |
| Institutional Deposits | 1.14B | 1.09B | 815.30M | 263.34M | 320.57M | |
| Non-Interest Bearing Deposits | 1.56B | 1.55B | 1.51B | 1.57B | 1.59B | 1.64B |
| Total Deposits | 7.44B | 7.61B | 7.59B | 7.10B | 5.72B | 5.86B |
| Short-Term Borrowings | 704.12M | 539.56M | 210.52M | 669.62M | 528.67M | 168.66M |
| Current Portion of Long-Term Debt | 15.00M | |||||
| Current Portion of Leases | 2.41M | |||||
| Long-Term Debt | 155.05M | 41.39M | 51.33M | 49.57M | 53.15M | |
| Federal Home Loan Bank Debt, Long-Term | 131.11M | 131.87M | 112.86M | 34.16M | 85.83M | |
| Long-Term Leases | 7.50M | 10.97M | 12.08M | 7.55M | 8.67M | |
| Trust Preferred Securities | 31.65M | 54.88M | 53.80M | 13.79M | 13.65M | |
| Other Long-Term Liabilities | 2.50M | 2.00M | 1.80M | 2.00M | 2.50M | |
| Total Liabilities | 8.42B | 8.44B | 8.14B | 8.10B | 6.42B | 6.22B |
| Common Stock | 871.90M | 871.57M | 866.84M | 865.23M | 686.45M | 686.28M |
| Retained Earnings | 481.44M | 436.75M | 388.11M | 327.24M | 265.94M | 207.08M |
| Treasury Stock | -26.05M | -31.09M | -32.98M | -37.34M | -39.92M | -36.71M |
| Comprehensive Income & Other | -99.39M | -70.63M | -110.39M | -101.59M | -127.14M | -11.62M |
| Shareholders' Equity | 1.23B | 1.21B | 1.11B | 1.05B | 785.33M | 845.02M |
| Total Liabilities & Equity | 9.65B | 9.65B | 9.25B | 9.16B | 7.21B | 7.06B |
| Total Debt | 859.17M | 753.61M | 459.56M | 897.94M | 637.31M | 291.81M |
| Net Cash (Debt) | -558.40M | -554.95M | -223.15M | -448.91M | -449.17M | 136.08M |
| Net Cash Per Share | -15.71 | -15.70 | -6.35 | -13.70 | -16.04 | 6.20 |
| Filing Date Shares Outstanding | 35.20M | 35.24M | 34.94M | 34.95M | 28.04M | 28.11M |
| Total Common Shares Outstanding | 35.20M | 34.95M | 34.74M | 34.68M | 27.78M | 27.90M |
| Book Value Per Share | 34.89 | 34.53 | 31.99 | 30.38 | 28.27 | 30.29 |
| Tangible Book Value | 839.60M | 814.24M | 710.38M | 642.75M | 460.81M | 556.23M |
| Tangible Book Value Per Share | 23.85 | 23.30 | 20.45 | 18.53 | 16.59 | 19.94 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 106.78M | 117.20M | 113.36M | 101.29M | 47.55M | |
| Depreciation & Amortization | 14.48M | 3.51M | 3.67M | 17.32M | 24.64M | |
| Gain (Loss) on Sale of Investments | 2.68M | 366.00K | 3.84M | 59.00K | 751.00K | |
| Provision for Credit Losses | 42.16M | 24.79M | 15.17M | -3.51M | 731.00K | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 513.00K | 628.00K | 845.00K | 2.36M | 63.20M | |
| Accrued Interest Receivable | -3.11M | -381.00K | 178.00K | -6.26M | 1.15M | |
| Change in Other Net Operating Assets | -11.85M | -14.81M | 339.00K | -3.06M | 5.31M | |
| Other Operating Activities | -22.97M | 5.93M | 869.00K | 8.31M | 12.19M | |
| Operating Cash Flow | 134.73M | 143.19M | 143.64M | 119.84M | 156.42M | |
| Capital Expenditures | -6.03M | -6.82M | -13.46M | -6.75M | -6.68M | |
| Cash Acquisitions | -1.58M | 92.59M | -85.79M | 132.72M | ||
| Investment in Securities | -5.46M | -137.73M | 143.65M | -234.79M | -316.01M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -418.24M | -199.24M | -356.07M | -58.14M | 113.47M | |
| Other Investing Activities | -17.00K | 1.06M | 227.00K | -29.31M | ||
| Investing Cash Flow | -424.45M | -344.31M | -132.93M | -414.21M | -74.43M | |
| Short-Term Debt Issued | 336.81M | 90.36M | 328.61M | 14.41M | ||
| Long-Term Debt Issued | 13.48M | 55.28M | 115.11M | 24.80M | ||
| Total Debt Issued | 350.29M | 55.28M | 205.47M | 353.42M | 14.41M | |
| Short-Term Debt Repaid | -457.02M | |||||
| Long-Term Debt Repaid | -49.19M | -34.64M | -40.16M | -125.34M | -2.13M | |
| Total Debt Repaid | -49.19M | -491.66M | -40.16M | -125.34M | -2.13M | |
| Net Debt Issued (Repaid) | 301.11M | -436.39M | 165.30M | 228.07M | 12.28M | |
| Issuance of Common Stock | 1.67M | 1.48M | 1.26M | 1.23M | 906.00K | |
| Repurchase of Common Stock | -3.32M | -4.31M | -4.80M | -9.15M | -1.31M | |
| Common Dividends Paid | -58.14M | -56.33M | -52.06M | -42.37M | -31.00M | |
| Net Increase (Decrease) in Deposit Accounts | 19.41M | 487.11M | 152.06M | -145.10M | 200.76M | |
| Other Financing Activities | 280.00K | 505.00K | 217.00K | |||
| Financing Cash Flow | 261.01M | -7.94M | 261.99M | 32.67M | 181.64M | |
| Net Cash Flow | -28.71M | -209.06M | 272.70M | -261.70M | 263.63M | |
| Free Cash Flow | 128.70M | 136.37M | 130.19M | 113.09M | 149.74M | |
| Free Cash Flow Margin | 30.85% | 32.22% | 31.63% | 32.78% | 62.21% | |
| Free Cash Flow Per Share | 3.64 | 3.88 | 3.97 | 4.04 | 6.82 | |
| Cash Interest Paid | 159.88M | 172.71M | 90.37M | 16.27M | 13.39M | |
| Cash Income Tax Paid | 19.84M | 22.60M | 24.75M | 4.13M | 6.69M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.39B | 1.05B | 1.10B | 1.17B | 786.45M | 888.83M |
| Last Close Price | 39.50 | 29.00 | 28.96 | 29.25 | 23.13 | 24.77 |
| PE Ratio | 11.69 | 9.94 | 9.49 | 10.44 | 7.80 | 18.82 |
| PS Ratio | 3.14 | 2.52 | 2.61 | 2.85 | 2.28 | 3.69 |
| PB Ratio | 1.13 | 0.87 | 0.99 | 1.11 | 1.00 | 1.05 |
| P/FCF Ratio | 10.18 | 8.17 | 8.09 | 9.02 | 6.95 | 5.94 |
| P/OCF Ratio | 9.90 | 7.81 | 7.71 | 8.18 | 6.56 | 5.68 |
| Debt / Equity Ratio | 0.70 | 0.62 | 0.41 | 0.85 | 0.81 | 0.34 |
| Debt / FCF Ratio | 5.86 | 3.37 | 6.90 | 5.64 | 1.95 | |
| Net Debt / Equity Ratio | 0.46 | 0.46 | 0.20 | 0.43 | 0.57 | -0.16 |
| Net Debt / FCF Ratio | 4.31 | 1.64 | 3.45 | 3.97 | -0.91 | |
| Return on Equity (ROE) | 10.06% | 9.21% | 10.83% | 12.33% | 12.43% | 6.69% |
| Return on Assets (ROA) | 1.26% | 1.13% | 1.27% | 1.39% | 1.42% | 0.80% |
| Earnings Yield | 8.56% | 10.15% | 10.62% | 9.65% | 12.88% | 5.35% |
| FCF Yield | 9.82% | 12.24% | 12.36% | 11.08% | 14.38% | 16.85% |
| Dividend Yield | 4.25% | 5.45% | 5.04% | 4.61% | 5.37% | 4.52% |
| Payout Ratio | 49.71% | 54.45% | 48.06% | 45.92% | 41.83% | 65.19% |
| Buyback Yield / Dilution | -0.64% | -0.60% | -7.29% | -17.00% | -27.50% | -10.66% |
| Total Shareholder Return | 3.61% | 4.85% | -2.25% | -12.40% | -22.13% | -6.14% |