📊 PEBO Key Takeaways
Is Peoples Bancorp Inc. (PEBO) a Good Investment?
Peoples Bancorp exhibits a solid balance sheet with conservative leverage (0.17x Debt/Equity) and adequate interest coverage (3.3x), supporting fundamental stability. However, meaningful profit contraction (-8.9% YoY net income, -9.7% EPS) and material data inconsistencies in revenue reporting prevent conviction in either direction, warranting a cautious neutral stance pending clarification of financial metrics.
Why Buy Peoples Bancorp Inc. Stock? PEBO Key Strengths
- Conservative capital structure with 0.17x debt-to-equity ratio and 12.5% equity ratio appropriate for banking sector
- Adequate interest coverage at 3.3x with manageable long-term debt of $204.1M relative to $1.2B equity base
- Reasonable profitability metrics (8.8% ROE, 1.1% ROA) and $128.7M free cash flow generation support operational viability
PEBO Stock Risks: Peoples Bancorp Inc. Investment Risks
- Severe year-over-year earnings contraction: net income down 8.9%, EPS down 9.7% indicate deteriorating profitability trajectory
- Critical data quality concerns: revenue reporting of $86.7M with 83.1% decline appears inconsistent with $106.8M net income and suggests incomplete financial disclosure
- Modest ROA of 1.1% and ROE of 8.8% represent below-average efficiency for commercial banking sector
Key Metrics to Watch
- Quarterly net interest income and non-interest income trends to validate revenue base
- Year-over-year profitability trajectory and ROE sustainability above 8%
- Debt service coverage ratio and interest coverage ratio maintenance above 3.0x
Peoples Bancorp Inc. (PEBO) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 148.4% 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. appears fundamentally strong 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 |
|---|---|---|---|
| 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 |
| Q2 2023 | $17.5M | $21.1M | $0.64 |
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
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775071453.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775071430.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775071414.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775071377.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775071348.xml | View → |
❓ Frequently Asked Questions about PEBO
What is the AI rating for PEBO?
Peoples Bancorp Inc. (PEBO) has an AI rating of HOLD with 52% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PEBO's key strengths?
Claude: Conservative capital structure with 0.17x debt-to-equity ratio and 12.5% equity ratio appropriate for banking sector. Adequate interest coverage at 3.3x with manageable long-term debt of $204.1M relative to $1.2B equity base.
What are the risks of investing in PEBO?
Claude: Severe year-over-year earnings contraction: net income down 8.9%, EPS down 9.7% indicate deteriorating profitability trajectory. Critical data quality concerns: revenue reporting of $86.7M with 83.1% decline appears inconsistent with $106.8M net income and suggests incomplete financial disclosure.
What is PEBO's revenue and growth?
Peoples Bancorp Inc. reported revenue of $86.7M.
Does PEBO pay dividends?
Peoples Bancorp Inc. pays dividends, with $58.1M 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 $2.99.
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 rating reflects both perspectives for balanced insights.
Is PEBO a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Peoples Bancorp Inc. has a HOLD rating with 52% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is PEBO stock overvalued or undervalued?
Valuation metrics for PEBO: ROE of 8.8% (sector avg: 12%), net margin of 123.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy PEBO stock in 2026?
Our dual AI analysis gives Peoples Bancorp Inc. a combined HOLD rating 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 $134.7M, with capital expenditures of $6.0M. FCF margin is 148.4%.
How does PEBO compare to other Finance stocks?
Vs Finance sector averages: Net margin 123.1% (avg: 25%), ROE 8.8% (avg: 12%), current ratio N/A (avg: 1.2).