📊 PEBO Key Takeaways
Is Peoples Bancorp Inc. (PEBO) a Good Investment?
PEBO exhibits critical financial distress indicators: an interest coverage ratio of 0.9x means operating income cannot cover interest expenses, creating immediate solvency concerns. A catastrophic 83% YoY revenue decline combined with weak returns (ROE 2.4%, ROA 0.3%) suggests fundamental operational deterioration. The positive net income amid collapsed revenue indicates reliance on unsustainable non-operating gains rather than core business performance.
Peoples Bancorp Inc. Key Strengths (PEBO)
- Conservative leverage (Debt/Equity 0.15x) provides some financial flexibility
- Positive free cash flow of $33.3M generates liquidity
- Total assets of $9.6B provide adequate asset base for regional bank operations
PEBO Stock Risks: Peoples Bancorp Inc. Investment Risks
- Interest coverage ratio of 0.9x - operating income insufficient to cover interest expenses (imminent debt service risk)
- Revenue collapsed 83% YoY - indicates severe core business deterioration or portfolio losses
- Extremely weak returns (ROE 2.4%, ROA 0.3%) reflect poor capital deployment and asset quality issues
- Net margin over 100% signals reliance on one-time non-operating gains masking underlying problems
- Low absolute returns to equity holders despite solid balance sheet foundation
Key Metrics to Watch
- Interest coverage ratio trend (critical - currently unsustainable below 1.0x)
- Loan loss provisions and asset quality metrics (NPL ratios, charge-offs)
- Quarter-over-quarter revenue stabilization (83% decline is severe)
- Operating cash flow sustainability and cash position depletion rate
- Debt covenants and refinancing obligations
Peoples Bancorp Inc. (PEBO) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 148.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
PEBO Profit Margin, ROE & Profitability Analysis
PEBO vs Finance Sector: How Peoples Bancorp Inc. Compares
How Peoples Bancorp Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Peoples Bancorp Inc. Stock Overvalued? PEBO Valuation Analysis 2026
Based on fundamental analysis, Peoples Bancorp Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Peoples Bancorp Inc. Balance Sheet: PEBO Debt, Cash & Liquidity
PEBO Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Peoples Bancorp Inc.'s revenue has grown significantly by 41% over the 5-year period, indicating strong business expansion. The most recent EPS of $3.44 reflects profitable operations.
PEBO Revenue Growth, EPS Growth & YoY Performance
PEBO Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $22.0M | $24.3M | $0.68 |
| Q3 2025 | $20.4M | $29.5M | $0.83 |
| Q2 2025 | $20.6M | $21.2M | $0.59 |
| Q1 2025 | $21.9M | $24.3M | $0.68 |
| Q3 2024 | $20.4M | $31.7M | $0.89 |
| Q2 2024 | $19.5M | $21.1M | $0.64 |
| Q1 2024 | $18.9M | $26.6M | $0.84 |
| Q3 2023 | $17.1M | $26.0M | $0.90 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Peoples Bancorp Inc. Dividends, Buybacks & Capital Allocation
PEBO SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Peoples Bancorp Inc. (CIK: 0000318300)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PEBO
What is the AI rating for PEBO?
Peoples Bancorp Inc. (PEBO) has an AI grade of D with 85% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PEBO's key strengths?
Claude: Conservative leverage (Debt/Equity 0.15x) provides some financial flexibility. Positive free cash flow of $33.3M generates liquidity.
What are the risks of investing in PEBO?
Claude: Interest coverage ratio of 0.9x - operating income insufficient to cover interest expenses (imminent debt service risk). Revenue collapsed 83% YoY - indicates severe core business deterioration or portfolio losses.
What is PEBO's revenue and growth?
Peoples Bancorp Inc. reported revenue of $22.4M.
Does PEBO pay dividends?
Peoples Bancorp Inc. pays dividends, with $14.6M distributed to shareholders in the trailing twelve months.
Where can I find PEBO SEC filings?
Official SEC filings for Peoples Bancorp Inc. (CIK: 0000318300) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PEBO's EPS?
Peoples Bancorp Inc. has a diluted EPS of $0.81.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is PEBO's fundamental grade?
Based on our AI fundamental analysis in May 2026, Peoples Bancorp Inc. has a D grade with 85% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PEBO stock overvalued or undervalued?
Valuation metrics for PEBO: ROE of 2.4% (sector avg: 12%), net margin of 129.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is PEBO's AI grade for 2026?
Our dual AI analysis gives Peoples Bancorp Inc. a combined D grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is PEBO's free cash flow?
Peoples Bancorp Inc.'s operating cash flow is $34.5M, with capital expenditures of $1.2M. FCF margin is 148.9%.
How does PEBO compare to other Finance stocks?
Vs Finance sector averages: Net margin 129.7% (avg: 25%), ROE 2.4% (avg: 12%), current ratio N/A (avg: 1.2).