Peoples Bancorp Inc Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Peoples Bancorp Inc has an operating margin of 176.3%, meaning the company retains $176 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 182.5% the prior year.
Peoples Bancorp Inc's revenue grew 6.6% year-over-year to $84.8M, a solid pace of expansion. This earns a growth score of 48/100.
Peoples Bancorp Inc carries a low D/E ratio of 0.21, meaning only $0.21 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
Peoples Bancorp Inc converts 160.8% of revenue into free cash flow ($136.4M). This strong cash generation earns a score of 100/100.
Peoples Bancorp Inc's ROE of 10.5% shows moderate profitability relative to equity, earning a score of 42/100. This is down from 10.8% the prior year.
Peoples Bancorp Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Peoples Bancorp Inc generates $1.22 in operating cash flow ($143.2M OCF vs $117.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Peoples Bancorp Inc earns $0.9 in operating income for every $1 of interest expense ($149.5M vs $172.1M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
This page shows Peoples Bancorp Inc (PEBO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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).
Key Financial Metrics
Peoples Bancorp Inc generated $84.8M in revenue in fiscal year 2024. This represents an increase of 6.6% from the prior year.
Peoples Bancorp Inc's EBITDA was $153.0M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 2.8% from the prior year.
Peoples Bancorp Inc generated $136.4M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 4.7% from the prior year.
Peoples Bancorp Inc reported $117.2M in net income in fiscal year 2024. This represents an increase of 3.4% from the prior year.
Peoples Bancorp Inc earned $3.31 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 3.8% from the prior year.
Peoples Bancorp Inc held $217.7M in cash against $238.1M in long-term debt as of fiscal year 2024.
Peoples Bancorp Inc paid $1.59 per share in dividends in fiscal year 2024. This represents an increase of 2.6% from the prior year.
Peoples Bancorp Inc's operating margin was 176.3% in fiscal year 2024, reflecting core business profitability. This is down 6.3 percentage points from the prior year.
Peoples Bancorp Inc's net profit margin was 138.3% in fiscal year 2024, showing the share of revenue converted to profit. This is down 4.3 percentage points from the prior year.
Peoples Bancorp Inc's ROE was 10.5% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the prior year.
Peoples Bancorp Inc spent $3.0M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 1.0% from the prior year.
Peoples Bancorp Inc invested $6.8M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 49.3% from the prior year.
PEBO Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $21.5M+1.2% | $21.3M-3.4% | $22.0M+0.8% | $21.9M+6.3% | $20.6M-6.2% | $21.9M+6.0% | $20.7M+1.4% | $20.4M |
| 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+38.4% | $27.5M-12.5% | $31.4M-10.0% | $34.9M-2.8% | $35.9M-5.2% | $37.9M-13.0% | $43.5M+6.9% | $40.7M |
| Interest Expense | $41.5M+6.8% | $38.8M-1.2% | $39.3M-7.0% | $42.3M-4.3% | $44.2M+7.8% | $41.0M+11.1% | $36.9M+21.6% | $30.3M |
| Income Tax | $8.5M+36.6% | $6.2M-11.4% | $7.0M-11.2% | $7.9M+15.4% | $6.9M-16.9% | $8.3M-14.8% | $9.7M+9.7% | $8.8M |
| Net Income | $29.5M+39.0% | $21.2M-12.8% | $24.3M-9.6% | $26.9M-7.2% | $29.0M-2.0% | $29.6M-12.5% | $33.8M+6.1% | $31.9M |
| EPS (Diluted) | $0.83+40.7% | $0.59-13.2% | $0.68-10.5% | $0.76-7.3% | $0.82-2.4% | $0.84-12.5% | $0.96+6.7% | $0.90 |
PEBO Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $9.6B+0.9% | $9.5B+3.2% | $9.2B-0.1% | $9.3B+0.3% | $9.2B-0.5% | $9.3B+1.2% | $9.2B+2.4% | $8.9B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $190.2M+2.2% | $186.1M-0.5% | $187.0M-14.1% | $217.7M-7.7% | $235.9M-45.1% | $429.7M+0.7% | $426.7M+42.7% | $299.1M |
| 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% | $363.2M+0.3% | $362.2M0.0% | $362.2M0.0% | $362.2M+2.0% | $355.1M |
| Total Liabilities | $8.4B+0.6% | $8.4B+3.4% | $8.1B-0.4% | $8.1B-0.1% | $8.1B-0.7% | $8.2B+1.3% | $8.1B+1.9% | $7.9B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $227.3M-2.2% | $232.4M-1.9% | $237.0M-0.5% | $238.1M+1.6% | $234.3M-0.9% | $236.3M+9.3% | $216.2M+24.8% | $173.3M |
| Total Equity | $1.2B+2.6% | $1.2B+1.4% | $1.1B+2.4% | $1.1B+3.1% | $1.1B+1.5% | $1.1B+0.8% | $1.1B+6.1% | $993.2M |
| Retained Earnings | $421.1M+3.6% | $406.3M+2.0% | $398.2M+2.6% | $388.1M+8.4% | $357.9M+4.3% | $343.1M+4.8% | $327.2M+6.4% | $307.5M |
PEBO Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $14.4M-71.6% | $50.7M+47.9% | $34.3M-14.2% | $40.0M+24.4% | $32.1M-13.2% | $37.0M+21.1% | $30.6M-38.7% | $49.9M |
| Capital Expenditures | $1.7M+15.5% | $1.5M-46.6% | $2.7M+1294.9% | $197K-89.6% | $1.9M-51.2% | $3.9M+36.4% | $2.8M-17.5% | $3.4M |
| Free Cash Flow | $12.7M-74.2% | $49.2M+56.2% | $31.5M-20.7% | $39.8M+31.5% | $30.2M-8.8% | $33.1M+19.5% | $27.7M-40.3% | $46.4M |
| Investing Cash Flow | -$72.4M+76.9% | -$313.3M-1675.5% | -$17.6M+91.9% | -$217.7M-44.8% | -$150.3M-22.1% | -$123.1M-128.7% | -$53.8M-92.9% | -$27.9M |
| Financing Cash Flow | $62.2M-76.2% | $261.7M+653.1% | -$47.3M-142.4% | $111.7M+247.6% | -$75.7M-184.9% | $89.1M-41.0% | $150.9M+17.3% | $128.7M |
| Dividends Paid | $14.7M+2.6% | $14.3M-1.9% | $14.6M+6.2% | $13.7M-2.4% | $14.0M+1.1% | $13.9M-0.4% | $13.9M+2.4% | $13.6M |
| Share Buybacks | $0-100.0% | $455K | $0 | $0 | $0-100.0% | $3.0M-1.0% | $3.0M | $0 |
PEBO Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | 176.5%+47.4pp | 129.1%-13.4pp | 142.5%-17.0pp | 159.5%-14.9pp | 174.4%+1.8pp | 172.7%-37.9pp | 210.5%+10.7pp | 199.8% |
| Net Margin | 136.9%+37.2pp | 99.7%-10.8pp | 110.5%-12.7pp | 123.2%-17.8pp | 141.1%+6.1pp | 134.9%-28.6pp | 163.6%+7.2pp | 156.4% |
| Return on Equity | 2.5%+0.6pp | 1.8%-0.3pp | 2.1%-0.3pp | 2.4%-0.3pp | 2.7%-0.1pp | 2.8%-0.4pp | 3.2%0.0pp | 3.2% |
| Return on Assets | 0.3%+0.1pp | 0.2%-0.0pp | 0.3%-0.0pp | 0.3%-0.0pp | 0.3%-0.0pp | 0.3%-0.1pp | 0.4%+0.0pp | 0.4% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.190.0 | 0.200.0 | 0.210.0 | 0.210.0 | 0.220.0 | 0.22+0.0 | 0.21+0.0 | 0.17 |
| FCF Margin | 59.1%-172.4pp | 231.5%+88.3pp | 143.2%-38.8pp | 182.0%+35.0pp | 147.0%-4.2pp | 151.2%+17.1pp | 134.1%-93.7pp | 227.7% |
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Frequently Asked Questions
What is Peoples Bancorp Inc's annual revenue?
Peoples Bancorp Inc (PEBO) reported $84.8M in total revenue for fiscal year 2024. This represents a 6.6% 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 6.6% year-over-year, from $79.5M to $84.8M in fiscal year 2024.
Is Peoples Bancorp Inc profitable?
Yes, Peoples Bancorp Inc (PEBO) reported a net income of $117.2M in fiscal year 2024, with a net profit margin of 138.3%.
What is Peoples Bancorp Inc's earnings per share (EPS)?
Peoples Bancorp Inc (PEBO) reported diluted earnings per share of $3.31 for fiscal year 2024. This represents a -3.8% 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.
What is Peoples Bancorp Inc's EBITDA?
Peoples Bancorp Inc (PEBO) had EBITDA of $153.0M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Peoples Bancorp Inc have?
As of fiscal year 2024, Peoples Bancorp Inc (PEBO) had $217.7M in cash and equivalents against $238.1M in long-term debt.
What is Peoples Bancorp Inc's operating margin?
Peoples Bancorp Inc (PEBO) had an operating margin of 176.3% in fiscal year 2024, 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 138.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Peoples Bancorp Inc pay dividends?
Yes, Peoples Bancorp Inc (PEBO) paid $1.59 per share in dividends during fiscal year 2024.
What is Peoples Bancorp Inc's return on equity (ROE)?
Peoples Bancorp Inc (PEBO) has a return on equity of 10.5% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Peoples Bancorp Inc's free cash flow?
Peoples Bancorp Inc (PEBO) generated $136.4M in free cash flow during fiscal year 2024. This represents a 4.7% 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 $143.2M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Peoples Bancorp Inc's total assets?
Peoples Bancorp Inc (PEBO) had $9.3B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Peoples Bancorp Inc's capital expenditures?
Peoples Bancorp Inc (PEBO) invested $6.8M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Peoples Bancorp Inc buy back shares?
Yes, Peoples Bancorp Inc (PEBO) spent $3.0M on share buybacks during fiscal year 2024, 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 0.21 as of fiscal year 2024, 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 1.3% for fiscal year 2024, 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 5 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 1.22x, 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 0.9x, 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 78 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.