What is Peoples Bancorp Inc's earnings per share (EPS)?

Peoples Bancorp Inc (PEBO) reported diluted earnings per share of $2.99 for fiscal year 2025. This represents a -9.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Peoples Bancorp Inc Financials

PEBO

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Peoples Bancorp Inc (PEBO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 73/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

100

Peoples Bancorp Inc has an operating margin of 155.4%, meaning the company retains $155 of operating profit per $100 of revenue. This strong profitability earns a score of 100/100, reflecting efficient cost management and pricing power. This is down from 176.3% the prior year.

Growth

Peoples Bancorp Inc's revenue grew a modest 2.3% year-over-year to $86.7M. This slow but positive growth earns a score of 37/100.

Leverage

Peoples Bancorp Inc carries a low D/E ratio of 0.17, meaning only $0.17 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

Peoples Bancorp Inc converts 148.4% of revenue into free cash flow ($128.7M). This strong cash generation earns a score of 100/100.

Returns

Peoples Bancorp Inc's ROE of 8.8% shows moderate profitability relative to equity, earning a score of 31/100. This is down from 10.5% the prior year.

Piotroski F-Score Neutral

4/9

Peoples Bancorp Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.26x

For every $1 of reported earnings, Peoples Bancorp Inc generates $1.26 in operating cash flow ($134.7M OCF vs $106.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage At Risk

0.8x

Peoples Bancorp Inc earns $0.8 in operating income for every $1 of interest expense ($134.8M vs $159.1M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Earnings & Revenue

Revenue

$86.7M

YoY+2.3%

5Y CAGR+10.0%

10Y CAGR-2.2%

Peoples Bancorp Inc generated $86.7M in revenue in fiscal year 2025. This represents an increase of 2.3% from the prior year.

EBITDA

$149.3M

YoY-2.4%

5Y CAGR+16.9%

10Y CAGR+16.2%

Peoples Bancorp Inc's EBITDA was $149.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 2.4% from the prior year.

Net Income

$106.8M

YoY-8.9%

5Y CAGR+25.2%

10Y CAGR+25.6%

Peoples Bancorp Inc reported $106.8M in net income in fiscal year 2025. This represents a decrease of 8.9% from the prior year.

EPS (Diluted)

$2.99

YoY-9.7%

5Y CAGR+11.6%

10Y CAGR+17.2%

Peoples Bancorp Inc earned $2.99 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 9.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$128.7M

YoY-5.6%

5Y CAGR+9.7%

10Y CAGR+12.8%

Peoples Bancorp Inc generated $128.7M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 5.6% from the prior year.

Cash & Debt

$189.0M

YoY-13.2%

5Y CAGR+4.4%

10Y CAGR+10.3%

Peoples Bancorp Inc held $189.0M in cash against $204.1M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.63

YoY+2.5%

5Y CAGR+3.5%

Peoples Bancorp Inc paid $1.63 per share in dividends in fiscal year 2025. This represents an increase of 2.5% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

155.4%

YoY-20.8pp

5Y CAGR+76.4pp

10Y CAGR+141.8pp

Peoples Bancorp Inc's operating margin was 155.4% in fiscal year 2025, reflecting core business profitability. This is down 20.8 percentage points from the prior year.

Net Margin

123.1%

YoY-15.1pp

5Y CAGR+58.7pp

10Y CAGR+113.0pp

Peoples Bancorp Inc's net profit margin was 123.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 15.1 percentage points from the prior year.

Return on Equity

8.8%

YoY-1.7pp

5Y CAGR+2.8pp

10Y CAGR+6.2pp

Peoples Bancorp Inc's ROE was 8.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$838K

YoY-72.1%

5Y CAGR-50.9%

Peoples Bancorp Inc spent $838K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 72.1% from the prior year.

Capital Expenditures

$6.0M

YoY-11.7%

5Y CAGR+7.0%

10Y CAGR-4.4%

Peoples Bancorp Inc invested $6.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 11.7% from the prior year.

PEBO Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$86.7M+2.3%	$84.8M+6.6%	$79.5M+13.6%	$70.0M+14.0%	$61.4M+13.8%	$53.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$134.8M-9.8%	$149.5M+3.0%	$145.1M+12.8%	$128.6M+125.8%	$57.0M+33.6%	$42.6M
Interest Expense	$159.1M-7.6%	$172.1M+72.0%	$100.0M+520.8%	$16.1M+31.7%	$12.2M-32.7%	$18.2M
Income Tax	$28.0M-13.1%	$32.3M+1.6%	$31.8M+16.1%	$27.3M+190.5%	$9.4M+19.5%	$7.9M
Net Income	$106.8M-8.9%	$117.2M+3.4%	$113.4M+11.9%	$101.3M+113.0%	$47.6M+36.8%	$34.8M
EPS (Diluted)	$2.99-9.7%	$3.31-3.8%	$3.44-4.4%	$3.60+67.4%	$2.15+24.3%	$1.73

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$21.9M+1.7%	$21.5M+1.2%	$21.3M-3.4%	$22.0M+0.8%	$21.9M+6.9%	$20.4M-0.6%	$20.6M-6.2%	$21.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$38.0M-0.1%	$38.0M+38.4%	$27.5M-12.5%	$31.4M-10.0%	$34.9M-14.7%	$40.9M+14.0%	$35.9M-5.2%	$37.9M
Interest Expense	$39.5M-4.7%	$41.5M+6.8%	$38.8M-1.2%	$39.3M-7.0%	$42.3M-5.5%	$44.7M+1.2%	$44.2M+7.8%	$41.0M
Income Tax	$6.2M-27.0%	$8.5M+36.6%	$6.2M-11.4%	$7.0M-11.2%	$7.9M-13.8%	$9.2M+33.9%	$6.9M-16.9%	$8.3M
Net Income	$31.8M+7.7%	$29.5M+39.0%	$21.2M-12.8%	$24.3M-9.6%	$26.9M-15.0%	$31.7M+9.2%	$29.0M-2.0%	$29.6M
EPS (Diluted)	N/A	$0.83+40.7%	$0.59-13.2%	$0.68	N/A	$0.89+8.5%	$0.82-2.4%	$0.84

PEBO Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$9.6B+4.3%	$9.3B+1.1%	$9.2B+27.1%	$7.2B+2.0%	$7.1B+48.4%	$4.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$189.0M-13.2%	$217.7M-49.0%	$426.7M+177.1%	$154.0M-63.0%	$415.7M+173.3%	$152.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$363.2M0.0%	$363.2M+0.3%	$362.2M+23.9%	$292.4M+10.7%	$264.2M+54.3%	$171.3M
Total Liabilities	$8.4B+3.7%	$8.1B+0.5%	$8.1B+26.2%	$6.4B+3.3%	$6.2B+48.6%	$4.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$204.1M-14.3%	$238.1M+10.1%	$216.2M+113.9%	$101.1M+1.6%	$99.5M-10.0%	$110.6M
Total Equity	$1.2B+8.5%	$1.1B+5.5%	$1.1B+34.2%	$785.3M-7.1%	$845.0M+46.8%	$575.7M
Retained Earnings	$436.7M+12.5%	$388.1M+18.6%	$327.2M+23.1%	$265.9M+28.4%	$207.1M+8.6%	$190.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$9.6B+0.3%	$9.6B+0.9%	$9.5B+3.2%	$9.2B-0.1%	$9.3B+1.2%	$9.1B-0.9%	$9.2B-0.5%	$9.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$189.0M-0.7%	$190.2M+2.2%	$186.1M-0.5%	$187.0M-14.1%	$217.7M-23.3%	$283.7M+20.3%	$235.9M-45.1%	$429.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$363.2M0.0%	$363.2M0.0%	$363.2M0.0%	$363.2M0.0%	$363.2M+0.2%	$362.4M+0.1%	$362.2M0.0%	$362.2M
Total Liabilities	$8.4B0.0%	$8.4B+0.6%	$8.4B+3.4%	$8.1B-0.4%	$8.1B+1.6%	$8.0B-1.6%	$8.1B-0.7%	$8.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$204.1M-10.2%	$227.3M-2.2%	$232.4M-1.9%	$237.0M-0.5%	$238.1M+0.5%	$236.8M+1.1%	$234.3M-0.9%	$236.3M
Total Equity	$1.2B+2.0%	$1.2B+2.6%	$1.2B+1.4%	$1.1B+2.4%	$1.1B-1.2%	$1.1B+4.4%	$1.1B+1.5%	$1.1B
Retained Earnings	$436.7M+3.7%	$421.1M+3.6%	$406.3M+2.0%	$398.2M+2.6%	$388.1M+3.4%	$375.4M+4.9%	$357.9M+4.3%	$343.1M

PEBO Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$134.7M-5.9%	$143.2M-0.3%	$143.6M+19.9%	$119.8M-23.4%	$156.4M+83.0%	$85.5M
Capital Expenditures	$6.0M-11.7%	$6.8M-49.3%	$13.5M+99.3%	$6.8M+1.0%	$6.7M+55.5%	$4.3M
Free Cash Flow	$128.7M-5.6%	$136.4M+4.7%	$130.2M+15.1%	$113.1M-24.5%	$149.7M+84.4%	$81.2M
Investing Cash Flow	-$424.4M-23.3%	-$344.3M-159.0%	-$132.9M+67.9%	-$414.2M-456.5%	-$74.4M+81.1%	-$393.9M
Financing Cash Flow	$261.0M+3388.9%	-$7.9M-103.0%	$262.0M+701.9%	$32.7M-82.0%	$181.6M-47.4%	$345.3M
Dividends Paid	$58.1M+3.2%	$56.3M+8.2%	$52.1M+22.9%	$42.4M+36.7%	$31.0M+14.6%	$27.1M
Share Buybacks	$838K-72.1%	$3.0M-1.0%	$3.0M-59.1%	$7.4M	$0-100.0%	$29.3M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$35.3M+145.0%	$14.4M-71.6%	$50.7M+47.9%	$34.3M-14.2%	$40.0M+17.2%	$34.1M+6.2%	$32.1M-13.2%	$37.0M
Capital Expenditures	$114K-93.3%	$1.7M+15.5%	$1.5M-46.6%	$2.7M+1294.9%	$197K-77.3%	$866K-54.2%	$1.9M-51.2%	$3.9M
Free Cash Flow	$35.2M+176.8%	$12.7M-74.2%	$49.2M+56.2%	$31.5M-20.7%	$39.8M+19.6%	$33.2M+10.0%	$30.2M-8.8%	$33.1M
Investing Cash Flow	-$21.1M+70.9%	-$72.4M+76.9%	-$313.3M-1675.5%	-$17.6M+91.9%	-$217.7M-248.3%	$146.8M+197.6%	-$150.3M-22.1%	-$123.1M
Financing Cash Flow	-$15.5M-125.0%	$62.2M-76.2%	$261.7M+653.1%	-$47.3M-142.4%	$111.7M+184.0%	-$133.0M-75.8%	-$75.7M-184.9%	$89.1M
Dividends Paid	$14.6M-0.1%	$14.7M+2.6%	$14.3M-1.9%	$14.6M+2.4%	$14.2M+0.3%	$14.2M+0.9%	$14.0M+1.1%	$13.9M
Share Buybacks	$383K	$0-100.0%	$455K	$0	$0	$0	$0-100.0%	$3.0M

PEBO Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	155.4%-20.8pp	176.3%-6.3pp	182.5%-1.3pp	183.9%+91.1pp	92.8%+13.8pp	79.1%
Net Margin	123.1%-15.1pp	138.3%-4.3pp	142.6%-2.2pp	144.8%+67.3pp	77.5%+13.0pp	64.5%
Return on Equity	8.8%-1.7pp	10.5%-0.2pp	10.8%-2.1pp	12.9%+7.3pp	5.6%-0.4pp	6.0%
Return on Assets	1.1%-0.2pp	1.3%+0.0pp	1.2%-0.2pp	1.4%+0.7pp	0.7%-0.1pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.17-0.0	0.210.0	0.21+0.1	0.13+0.0	0.12-0.1	0.19
FCF Margin	148.4%-12.4pp	160.8%-2.9pp	163.8%+2.1pp	161.7%-82.3pp	244.0%+93.4pp	150.5%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	173.4%-3.1pp	176.5%+47.4pp	129.1%-13.4pp	142.5%-17.0pp	159.5%-40.5pp	200.0%+25.6pp	174.4%+1.8pp	172.7%
Net Margin	145.0%+8.1pp	136.9%+37.2pp	99.7%-10.8pp	110.5%-12.7pp	123.2%-31.8pp	155.0%+14.0pp	141.1%+6.1pp	134.9%
Return on Equity	2.6%+0.1pp	2.5%+0.6pp	1.8%-0.3pp	2.1%-0.3pp	2.4%-0.4pp	2.8%+0.1pp	2.7%-0.1pp	2.8%
Return on Assets	0.3%+0.0pp	0.3%+0.1pp	0.2%-0.0pp	0.3%-0.0pp	0.3%-0.1pp	0.4%+0.0pp	0.3%-0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.17-0.0	0.190.0	0.200.0	0.210.0	0.210.0	0.210.0	0.220.0	0.22
FCF Margin	160.8%+101.6pp	59.1%-172.4pp	231.5%+88.3pp	143.2%-38.8pp	182.0%+19.3pp	162.6%+15.7pp	147.0%-4.2pp	151.2%

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Frequently Asked Questions

What is Peoples Bancorp Inc's annual revenue?

Peoples Bancorp Inc (PEBO) reported $86.7M in total revenue for fiscal year 2025. This represents a 2.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Peoples Bancorp Inc's revenue growing?

Peoples Bancorp Inc (PEBO) revenue grew by 2.3% year-over-year, from $84.8M to $86.7M in fiscal year 2025.

Is Peoples Bancorp Inc profitable?

Yes, Peoples Bancorp Inc (PEBO) reported a net income of $106.8M in fiscal year 2025, with a net profit margin of 123.1%.

What is Peoples Bancorp Inc's EBITDA?

Peoples Bancorp Inc (PEBO) had EBITDA of $149.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Peoples Bancorp Inc have?

As of fiscal year 2025, Peoples Bancorp Inc (PEBO) had $189.0M in cash and equivalents against $204.1M in long-term debt.

What is Peoples Bancorp Inc's operating margin?

Peoples Bancorp Inc (PEBO) had an operating margin of 155.4% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Peoples Bancorp Inc's net profit margin?

Peoples Bancorp Inc (PEBO) had a net profit margin of 123.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Peoples Bancorp Inc pay dividends?

Yes, Peoples Bancorp Inc (PEBO) paid $1.63 per share in dividends during fiscal year 2025.

What is Peoples Bancorp Inc's return on equity (ROE)?

Peoples Bancorp Inc (PEBO) has a return on equity of 8.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Peoples Bancorp Inc's free cash flow?

Peoples Bancorp Inc (PEBO) generated $128.7M in free cash flow during fiscal year 2025. This represents a -5.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Peoples Bancorp Inc's operating cash flow?

Peoples Bancorp Inc (PEBO) generated $134.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Peoples Bancorp Inc's total assets?

Peoples Bancorp Inc (PEBO) had $9.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Peoples Bancorp Inc's capital expenditures?

Peoples Bancorp Inc (PEBO) invested $6.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Peoples Bancorp Inc buy back shares?

Yes, Peoples Bancorp Inc (PEBO) spent $838K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Peoples Bancorp Inc's debt-to-equity ratio?

Peoples Bancorp Inc (PEBO) had a debt-to-equity ratio of 0.17 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Peoples Bancorp Inc's return on assets (ROA)?

Peoples Bancorp Inc (PEBO) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Peoples Bancorp Inc's Piotroski F-Score?

Peoples Bancorp Inc (PEBO) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Peoples Bancorp Inc's earnings high quality?

Peoples Bancorp Inc (PEBO) has an earnings quality ratio of 1.26x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Peoples Bancorp Inc cover its interest payments?

Peoples Bancorp Inc (PEBO) has an interest coverage ratio of 0.8x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Peoples Bancorp Inc?

Peoples Bancorp Inc (PEBO) scores 73 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.