Peoples Bancorp Inc. (PEBO) Stock

Peoples Bancorp Inc. (PEBO) is a Financials stock trading at $40.06 (as of 2026-08-21), with a market capitalization of $1.44B and a trailing P/E of 12.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Peoples Bancorp Inc. is a bank holding company for Peoples Bank. Through the bank, it offers deposit accounts, commercial and consumer lending (including real estate and home equity products), banking services such as debit/ATM cards and telephone or Internet banking, and related services including insurance, brokerage, trust and fiduciary services, and asset and benefits administration.

Understand Peoples Bancorp Inc.: how it makes money

Peoples Bancorp operates as a bank holding company, with Peoples Bank providing deposit products, debit and ATM services, and a range of commercial and consumer loans, earning money primarily from the net interest spread on loans and investments, plus banking fees and related income.

For a retail bank, profitability is mainly the net spread between yields on loans and investment securities and the cost of funding deposits, with results pressured by credit losses measured through charge-offs and nonperforming assets.

Business quality (Solid): Good mix of operating credit and funding indicators is provided, but there is no reportable segment revenue breakdown and the latest revenue figure is not usable, which limits how precisely investors can map performance to specific business lines.

Valuation: At 12× earnings, PEBO trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Credit quality appears to be improving: The company shows a Non-Performing Assets Decline of 0.02 USD_B alongside Nonperforming Assets of 0.76 percent.
Funding and investment income indicators are tracked: It reports an Investment Securities Yield of 3.79 percent and Deposit Costs of 1.76 percent, which help gauge the interest-spread engine alongside credit performance.
Liquidity buffer is disclosed: Liquefiable Assets are reported at 0.57 USD_B.

Bear case

Credit losses remain a key risk: The Annualized Net Charge-Off Rate is reported at 40.0 (ratio), and Net Charge-Off Amount is reported at 0.01 USD_B.
Nonperforming and loss metrics are still material to watch: Nonperforming Assets are reported at 0.76 percent, and Annualized Net Charge-Off Rate (Quarterly) is reported at 0.4 percent.
Deposit trends can affect funding costs and growth: Deposit Balances Decrease is reported at 0.02 USD_B.

Valuation — source: SEC EDGAR (first-party)
Price	$40.06
Market Cap	$1.44B
P/E Ratio	12.2
EV / EBITDA	13.5
Price / Book	1.16
Price / Sales	16.39
FCF Yield	9.5%
DCF Value (model)	$42.09
DCF Upside vs Price	5.1%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$86.72M
Net Margin	123.1%
Revenue Growth (YoY)	3.6%
EPS Growth (YoY)	31.7%
FCF Growth (YoY)	12.1%

Valuation vs Sector & Industry
Stock P/E	12.2
Sector P/E (Financials)	15.1
Industry P/E (Banking)	12.9
vs Sector	-19.5%
vs Industry	-5.7%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	BlackRock, Inc. ($101.10M)
Institutional Holders Tracked	10
Congressional Trades (recent)	1

Company
Sector	Financials
Industry	Banking
CEO	Tyler J. Wilcox
Employees	1,460
Country	US
IPO Date	1993-02-10

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.