Peoples Bancorp Inc. logo PEBO - Peoples Bancorp Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 4
HOLD 7
SELL 0
STRONG
SELL
0
| PRICE TARGET: $38.00 DETAILS
HIGH: $41.00
LOW: $35.00
MEDIAN: $38.00
CONSENSUS: $38.00
UPSIDE: 10.02%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 618.4 615.9 522.5 339.8 244.3 213.3 228.0 202.3 176.3 161.5 151.2 116.1 101.2 102.7 103.9 121.6 135.5 140.7 138.8 139.9 124.9 109.2 109.2 98.2 96.8 94.0 79.8 70.8 59.7 52.6 47.6 39.9 39.3
Cost of Revenue 201.2 196.9 115.2 12.6 13.0 44.4 31.8 27.1 16.9 14.1 24.8 11.0 7.3 8.4 27.2 54.4 66.0 75.4 63.5 59.2 45.5 37.7 41.7 37.0 45.6 47.2 36.2 32.8 27.8 24 22.1 16.2 16.9
Gross Profit 417.1 419.0 407.3 327.2 231.3 168.9 196.2 175.2 159.4 147.3 126.4 104.9 93.9 94.4 76.7 67.2 69.5 65.4 75.3 80.7 79.4 71.5 67.5 61.2 51.1 46.9 43.6 38 31.9 28.6 25.5 23.7 22.4
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 188.0 187.6 178.3 134.4 112.4 88.3 88.3 79.5 69.7 67.0 70.1 54.2 43.2 40.4 40.4 35.9 40.3 34.6 29.1 27.8 28.1 25.7 20.7 19.1 15.6 13.5 11.8 9.3 8.4 7.5 7.8 7.6 7.4
Other Expenses 94.4 81.9 83.9 64.2 61.9 37.9 42.6 40.8 32.4 35.1 41.5 26.7 21.7 24.1 19.2 25.5 26.1 23.1 22.4 23.5 23.2 21.5 25.2 16.9 17.8 17.5 16.3 14 10.8 9.9 9 8.1 7.7
Operating Expenses 282.3 269.6 262.2 198.5 174.4 126.2 130.8 120.3 102.2 102.1 111.6 80.9 64.8 64.5 59.6 61.5 66.4 57.7 51.5 51.3 51.3 47.2 45.9 36.0 33.4 31.0 28.1 23.3 19.2 17.4 16.8 15.7 15.1
Operating Income
Operating Income 134.8 149.6 145.1 128.6 57.0 42.6 65.4 54.9 57.2 45.3 14.8 24.2 29.1 29.9 17.2 5.8 3.1 7.6 23.9 29.4 28.1 24.3 21.6 25.2 17.7 15.8 15.5 14.7 12.7 11.2 8.7 8 7.3
Interest Expense 159.1 172.1 100.0 16.1 12.2 18.2 29.3 21.7 13.1 10.6 10.7 10.7 11.7 13.1 19.2 27.4 40.3 47.7 59.5 55.6 43.5 35.2 38.0 33.0 43.0 44.8 34.3 30.5 25.2 22 20.8 15.4 15.3
Interest Income 514.3 520.8 439.4 269.6 184.6 157.1 170.1 151.3 126.5 115.4 108.3 80.2 67.1 69.5 75.1 89.3 102.1 106.2 113.4 108.8 95.8 87.0 91.7 83.0 86.1 85.1 72.4 63.6 53.8 47.4 43.4 36.1 35.3
Profitability
EBITDA 134.8 153.0 148.8 146.0 81.6 68.3 83.2 73.1 75.3 64.5 33.3 37.4 45.4 48.9 34.3 21.6 7.2 13.4 31.1 38.1 37.8 32.1 28.2 28.7 22.3 20.4 20.5 19.8 15.3 13.3 10.3 9.9 8.9
EBIT 134.8 149.5 145.1 128.6 57.0 42.6 65.4 54.9 57.1 45.3 14.8 24.2 29.3 30.2 17.1 5.8 3.1 7.6 23.9 29.4 28.1 24.3 21.6 25.2 17.7 15.8 15.5 14.7 12.7 11.2 8.7 8 7.3
Income Before Tax 134.8 149.5 145.1 128.6 57.0 42.6 65.4 54.9 57.2 45.3 14.8 24.2 29.1 29.9 17.2 5.8 3.1 7.6 23.9 29.4 28.1 24.3 21.6 25.2 17.7 15.8 15.5 14.7 12.7 11.2 8.7 8 7.3
Income Tax Expense 28.0 32.3 31.8 27.3 9.4 7.9 11.7 8.7 18.7 14.1 3.9 7.5 11.5 9.5 4.6 0.2 (1.1) 0.2 5.6 7.9 7.6 6.1 5.4 6.9 5.4 4.7 4.8 4.7 4.1 3.5 2.6 2.3 1.9
Net Income 106.8 117.2 113.4 101.3 47.6 34.8 53.7 46.3 38.5 31.2 10.9 16.7 17.6 20.4 12.6 5.6 4.2 7.5 18.3 21.6 20.5 18.3 16.3 18.8 12.3 11.1 10.7 10 8.6 7.7 6.1 5.7 5.1
Per Share Data
EPS (Basic) 3.03 3.34 3.46 3.61 2.17 1.74 2.67 2.44 2.12 1.72 0.62 1.36 1.65 1.92 1.07 0.34 0.22 0.72 1.75 2.03 1.96 1.74 1.56 2.25 1.29 1.22 1.12 0.94 1.08 0.95 0.34 0.29 0.13
EPS (Diluted) 2.99 3.31 3.44 3.60 2.15 1.73 2.65 2.42 2.10 1.71 0.61 1.35 1.63 1.92 1.07 0.34 0.22 0.72 1.74 2.01 1.94 1.71 1.52 2.19 1.27 1.20 1.09 0.91 1.04 0.95 0.34 0.29 0.13
Shares Outstanding 35.0 34.8 32.5 27.9 21.8 19.7 20.1 19.0 18.1 18.0 17.6 12.2 10.6 10.5 10.5 10.4 10.4 10.3 10.5 10.6 10.4 10.5 10.4 8.3 9.6 9.1 9.6 10.7 8.0 8.0 6.8 7.0 7.0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 189.0 217.7 426.7 154.0 415.7 152.1 115.2 77.6 72.2 66.1 41.8 35.6 31.4 29.4 35.0 32.0 28.4 43.7 40.1 38.8 28.5 21 24.7 28.3
Short-Term Investments 0 1,083.6 1,048.3 1,131.4 1,275.5 753.0 936.1 791.9 795.2 777.9 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 6,681.2 393.7 403.2 336.6 122.5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3.3 3.3
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 2.7 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 6,872.8 1,694.9 1,878.3 1,622.1 1,813.7 905.1 1,051.3 869.5 867.4 844.1 41.8 35.6 31.4 29.4 35.0 32.0 28.4 43.7 40.1 38.8 28.5 21 28 31.6
Non-Current Assets
Property, Plant & Equipment 100.5 103.7 103.9 82.9 89.3 60.1 61.8 56.5 52.5 53.6 24.8 25.1 22.6 22.2 18.1 16.4 15.6 15.3 14.8 12 11.5 10.6 10.8 10.8
Goodwill 363.2 363.2 362.2 292.4 264.2 171.3 166.0 151.2 133.1 132.6 62.5 62.5 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 30.1 39.2 50.0 33.9 26.8 13.3 11.8 10.8 11.5 13.4 3.1 3.9 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 1,975.9 6,681.6 6,382.9 4,881.4 4,707.0 3,461.3 2,932.9 2,794.0 2,420.2 2,292.0 1,778.5 1,790.6 1,611.3 1,544.7 1,249.9 1,090.9 1,056.6 977.9 794 687.5 563.3 504.6 454 418.6
Other Non-Current Assets 307.1 371.6 380.2 294.6 162.5 149.7 130.2 109.3 97.1 96.6 91.1 84.6 72.6 91.1 60.6 54.7 35.3 38.6 31.4 19.9 13.3 7.2 5.2 4.4
Total Non-Current Assets 2,776.8 7,559.3 7,279.1 5,585.2 5,249.8 3,855.7 3,302.9 3,122.0 2,714.3 2,588.3 1,960.1 1,966.7 1,777.6 1,706.7 1,359.3 1,162.0 1,107.4 1,031.8 840.2 719.4 588.1 522.4 470 433.8
Total Assets 9,649.6 9,254.2 9,157.4 7,207.3 7,063.5 4,760.8 4,357.2 3,992.1 3,581.7 3,432.3 2,001.8 2,002.3 1,809.1 1,736.1 1,394.4 1,194.0 1,135.8 1,075.5 880.3 758.2 616.6 543.4 498 465.4
Current Liabilities
Account Payables 7,610.2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 530.3 193.5 517.5 500.1 166.5 73.3 317.0 356.2 209.5 345.6 76.9 98.9 51.9 108.8 48.2 56.1 119.9 87.5 32.5 32.6 19.5 33.3 19.7 12.3
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 0 7,590.2 7,102.9 5,716.9 5,862.6 3,910.5 3,291.4 2,955.5 2,730.3 2,509.7 1,395.9 1,366.4 1,069.4 1,028.5 955.9 814.4 757.6 728.2 714.2 611.1 504.7 429.1 403.8 385.6
Total Current Liabilities 8,140.5 7,783.7 7,620.4 6,320.9 6,119.0 4,074.5 3,676.6 3,361.7 2,979.1 2,891.9 1,489.2 1,484.9 1,121.3 1,137.3 1,004.1 878.6 885.1 823.3 753.6 643.7 524.2 462.4 423.5 397.9
Non-Current Liabilities
Long-Term Debt 204.1 238.1 216.2 101.1 99.5 110.6 83.1 109.6 144.0 105.2 268.6 330.8 494.1 417.8 203.8 192.4 138.5 150.3 40.7 28.6 29.2 23.1 23.8 20.3
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 0 120.9 267.2 0 0 0 0 0 0 0 0 0 18.2 10.1 10.2 8.2 7.6 7.6 6.9 7.1 7 6.4 5.1 4.4
Total Non-Current Liabilities 204.1 359.0 483.4 101.1 99.5 110.6 83.1 109.6 144.0 105.2 268.6 330.8 512.4 427.9 214.0 200.6 146.1 157.9 47.6 35.7 36.2 29.5 28.9 24.7
Total Liabilities 8,443.0 8,142.7 8,103.8 6,422.0 6,218.5 4,185.1 3,762.8 3,471.3 3,123.1 2,997.1 1,757.9 1,815.7 1,633.7 1,565.2 1,218.1 1,071.1 1,023.6 973.6 794.3 679.4 560.4 491.9 452.4 422.6
Stockholders' Equity
Common Stock 871.6 866.8 865.2 686.5 686.3 422.5 420.9 386.8 345.4 344.4 0 0 162.3 161.0 129.2 78.7 66.4 65 0 0 0 0 0 0
Retained Earnings 436.7 388.1 327.2 265.9 207.1 190.7 187.1 161.0 133.4 110.3 46.2 50.5 18.4 7.8 12.7 17.7 23.4 26.2 33.4 26.4 20.5 21.8 24.1 20
Accumulated Other Comprehensive Income (70.6) (110.4) (101.6) (127.1) (11.6) 1.3 (1.4) (12.9) (5.2) (1.6) 9.5 (12.3) 5.0 4.3 6.4 0.8 (3.0) (7.7) 3.6 2.4 1.4 2.5 (1) 0
Total Stockholders' Equity 1,206.6 1,111.6 1,053.5 785.3 845.0 575.7 594.4 520.8 458.6 435.3 244.0 186.6 175.4 170.9 147.2 93.9 83.2 72.9 86 78.8 56.2 51.5 45.6 42.8
Total Liabilities & Equity 9,649.6 9,254.2 9,157.4 7,207.3 7,063.5 4,760.8 4,357.2 3,992.1 3,581.7 3,432.3 2,001.8 2,002.3 1,809.1 1,736.1 1,394.4 1,194.0 1,135.8 1,075.5 880.3 758.2 616.6 543.4 498 465.4
Debt Metrics
Total Debt 734.4 431.5 733.7 601.2 266.0 183.8 400.1 465.8 353.5 450.8 345.6 429.6 546.0 526.6 252.0 248.5 258.4 237.8 73.2 61.2 48.7 56.4 43.5 32.6
Net Debt 545.5 213.9 307.0 447.2 (149.8) 31.7 284.9 388.2 281.3 384.6 303.8 394.0 514.6 497.2 217.0 216.5 230.0 194.1 33.1 22.4 20.2 35.4 18.8 4.3
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 106.8 117.2 113.4 101.3 47.6 34.8 53.7 46.3 38.5 31.2 20.5 18.3 16.3 18.8 12.3 11.1 10.7 10 8.6 7.7 6.1 5.7 5.4
Depreciation & Amortization 14.5 3.5 3.7 17.3 24.6 25.6 17.9 18.2 18.1 19.2 9.7 7.7 6.6 3.5 4.6 4.6 5 5.1 2.6 2.1 1.6 1.9 1.6
Stock-Based Compensation 6.9 7.3 6.0 4.3 3.9 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (28.1) (15.2) 0.5 (9.3) 6.5 0.9 (0.2) (1.2) 6.2 9.7 0.7 0 (1.4) (0.1) 0.2 (0.8) (0.9) (0.3) (0.9) 0.5 (0.3) 0.6 0.2
Other Non-Cash Items 35.9 23.4 20.3 (12.3) 71.0 32.2 (4.3) 12.3 1 3.1 2.0 5.3 5.5 2.3 5.4 1.1 (1.2) (1.4) 1.7 1 2.2 0.9 1.2
Operating Cash Flow 134.7 143.2 143.6 119.8 156.4 85.5 67.2 75.2 60.8 60.3 31.9 32.9 28.2 25.3 22.6 15.9 13.9 13.3 12.2 11.5 9.4 9.1 7.8
Investing Activities
Capital Expenditure (6.0) (6.8) (13.5) (6.8) (6.7) (4.3) (2.8) (4.5) (4.9) (5.4) (3.6) (2.1) (3.0) (1.8) (2.8) (2.4) (2.2) (3) (1.2) (1.8) (1.1) (1.1) (3.6)
Acquisitions 0 (1.6) 92.6 (85.8) 132.7 (94.9) 7.8 4.7 (1.1) (0.2) (1.2) 0 0 18.6 (0.2) 0 0 0 0 0 0 0 0
Purchases of Investments (485.7) (616.4) (311.7) (478.4) (1,174.4) (307.8) (280.1) (280.0) (311.8) (318.6) (110.5) (200.5) (622.8) (220.2) (76.9) (23.4) (174.8) (138.1) (34) (45.2) (54.2) (40.1) (29.3)
Sales/Maturities of Investments 480.2 478.7 455.3 243.6 858.4 456.8 284.9 149.4 154.5 160.7 113.0 235.4 408.0 153.4 85.8 28.6 65.1 79.3 31.6 27.6 27.2 41.7 45.5
Other Investing Activities (413.0) (198.2) (355.7) (86.9) 115.5 (443.8) (8.8) 0.3 0.6 (34.8) (53.8) (84.2) 16.8 (16.2) (45.2) (78.5) (89.2) 59.6 (39.1) 23.4 (19.5) (40.6) (31.1)
Investing Cash Flow (424.4) (344.3) (132.9) (414.2) (74.4) (393.9) 1.1 (130.2) (162.7) (198.4) (56.1) (51.4) (201.1) (66.1) (39.2) (75.7) (201.1) (2.2) (42.7) 4 (47.6) (40.1) (18.5)
Financing Activities
Net Debt Issuance 301.1 (436.4) 165.3 228.1 12.3 (216.4) (80.3) 57.3 (97.5) 175.9 19.4 19.3 235.5 (3.8) (11.4) 20.6 164.6 8.5 12.4 (7.7) 12.9 11 8.6
Stock Repurchased (3.3) (3) (3.0) (7.4) 0 (29.3) (0.8) 0 0 (5.0) 0 (13.7) 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (58.1) (55.8) (51.8) (42.4) (31.0) (27.1) (25.9) (20.9) (14.7) (11.2) (7.5) (7.1) (5.7) (4.2) (3.6) (3.3) (2.9) (2.5) (2.2) (1.9) (1.7) (1.6) (1.5)
Other Financing Activities 19.7 485.8 150.3 (146.8) 199.5 617.5 76.4 23.9 219.9 (27.0) 20.5 (23.0) (40.6) 38.5 39.3 29.4 38.9 (14.3) 30.6 1.5 25.2 18.1 (16)
Financing Cash Flow 261.0 (7.9) 262.0 32.7 181.6 345.3 (30.6) 60.3 107.9 133.1 32.4 (23.4) 190.7 63.6 21.0 44.5 190.8 (9.8) 40.8 (8) 34.5 27.3 (9.4)
Cash Position
Net Change in Cash (28.7) (209.1) 272.7 (261.7) 263.6 36.9 37.6 5.4 6.0 (5.0) 8.2 (42.0) 17.9 22.7 4.4 (15.3) 3.7 (38.8) (28.5) (21) (24.7) (28.3) (48.4)
Cash at Beginning 217.7 426.7 154.0 415.7 152.1 115.2 77.6 72.2 66.1 71.1 31.4 73.4 55.5 32.8 28.4 43.8 40.1 38.8 28.5 21 24.7 28.3 48.4
Cash at End 189.0 217.7 426.7 154.0 415.7 152.1 115.2 77.6 72.2 66.1 39.6 31.4 73.4 55.5 32.8 28.4 43.8 29 69.3 13 59.2 55.6 39
Free Cash Flow 128.7 136.4 130.2 113.1 149.7 81.2 64.3 70.7 56.0 54.9 28.3 30.7 25.2 23.5 19.8 13.5 11.7 10.3 11 9.7 8.3 8 4.2
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 618.4 615.9 522.5 339.8 244.3 213.3 228.0 202.3 176.3 161.5 151.2 116.1 101.2 102.7 103.9 121.6 135.5 140.7 138.8 139.9 124.9 109.2 109.2 98.2 96.8 94.0 79.8 70.8 59.7 52.6 47.6 39.9 39.3
Gross Profit 417.1 419.0 407.3 327.2 231.3 168.9 196.2 175.2 159.4 147.3 126.4 104.9 93.9 94.4 76.7 67.2 69.5 65.4 75.3 80.7 79.4 71.5 67.5 61.2 51.1 46.9 43.6 38 31.9 28.6 25.5 23.7 22.4
Operating Income 134.8 149.6 145.1 128.6 57.0 42.6 65.4 54.9 57.2 45.3 14.8 24.2 29.1 29.9 17.2 5.8 3.1 7.6 23.9 29.4 28.1 24.3 21.6 25.2 17.7 15.8 15.5 14.7 12.7 11.2 8.7 8 7.3
Net Income 106.8 117.2 113.4 101.3 47.6 34.8 53.7 46.3 38.5 31.2 10.9 16.7 17.6 20.4 12.6 5.6 4.2 7.5 18.3 21.6 20.5 18.3 16.3 18.8 12.3 11.1 10.7 10 8.6 7.7 6.1 5.7 5.1
EPS (Diluted) 2.99 3.31 3.44 3.60 2.15 1.73 2.65 2.42 2.10 1.71 0.61 1.35 1.63 1.92 1.07 0.34 0.22 0.72 1.74 2.01 1.94 1.71 1.52 2.19 1.27 1.20 1.09 0.91 1.04 0.95 0.34 0.29 0.13
Balance Sheet
Cash & Equivalents 189.0 217.7 426.7 154.0 415.7 152.1 115.2 77.6 72.2 66.1 41.8 35.6 31.4 29.4 35.0 32.0 28.4 43.7 40.1 38.8 28.5 21 24.7 28.3
Total Assets 9,649.6 9,254.2 9,157.4 7,207.3 7,063.5 4,760.8 4,357.2 3,992.1 3,581.7 3,432.3 2,001.8 2,002.3 1,809.1 1,736.1 1,394.4 1,194.0 1,135.8 1,075.5 880.3 758.2 616.6 543.4 498 465.4
Total Debt 734.4 431.5 733.7 601.2 266.0 183.8 400.1 465.8 353.5 450.8 345.6 429.6 546.0 526.6 252.0 248.5 258.4 237.8 73.2 61.2 48.7 56.4 43.5 32.6
Stockholders' Equity 1,206.6 1,111.6 1,053.5 785.3 845.0 575.7 594.4 520.8 458.6 435.3 244.0 186.6 175.4 170.9 147.2 93.9 83.2 72.9 86 78.8 56.2 51.5 45.6 42.8
Cash Flow
Operating Cash Flow 134.7 143.2 143.6 119.8 156.4 85.5 67.2 75.2 60.8 60.3 31.9 32.9 28.2 25.3 22.6 15.9 13.9 13.3 12.2 11.5 9.4 9.1 7.8
Capital Expenditure (6.0) (6.8) (13.5) (6.8) (6.7) (4.3) (2.8) (4.5) (4.9) (5.4) (3.6) (2.1) (3.0) (1.8) (2.8) (2.4) (2.2) (3) (1.2) (1.8) (1.1) (1.1) (3.6)
Free Cash Flow 128.7 136.4 130.2 113.1 149.7 81.2 64.3 70.7 56.0 54.9 28.3 30.7 25.2 23.5 19.8 13.5 11.7 10.3 11 9.7 8.3 8 4.2