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Earnings transcript
Read the complete earnings call transcript.
PEBO
Peoples Bancorp Inc.
$33.46
0.15
(0.45%)
| Exchange: | NASDAQ |
| Market Cap: | 1.202B |
| Shares Outstanding: | 5.894M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Tyler J. Wilcox | |||||
| Full Time Employees: | 1460 | |||||
| Address: |
| |||||
| Website: | https://www.peoplesbancorp.com |
Peoples Bancorp Inc. operates as the holding company for Peoples Bank that provides commercial and retail banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and provides commercial and industrial, commercial real estate, construction, finance, residential real estate, and consumer indirect and direct loans, as well as home equity lines of credit and overdrafts. It also offers debit and automated teller machine (ATM) cards; safe deposit rental facilities; money orders and cashier’s checks; and telephone, mobile, and Internet-based banking services. In addition, the company provides various life, health, and property and casualty insurance products; third-party insurance administration; insurance premium financing; commercial and technology equipment leasing; fiduciary and trust; underwriting, origination and servicing of equipment leases, and equipment financing agreements; and asset management and administration services, as well as employee benefit, retirement, and health care plan administration services. Further, it offers brokerage services through an unaffiliated registered broker-dealers; insurance premium finance lending and lease financing services; and credit cards to individuals and businesses, as well as provides merchant credit card transaction processing, and person-to-person payment processing services. The company operates through 135 financial service offices and ATMs, including 119 full-service branches in Ohio, West Virginia, Kentucky, Virginia, Washington, D.C., and Maryland. Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 522,503 | 615,904 | 618,384 |
| Gross Profit | 407,300 | 419,042 | 417,146 |
| EBITDA | 148,794 | 152,978 | 134,809 |
| Operating Income | 145,126 | 149,633 | 134,809 |
| Net Income | 113,363 | 117,205 | 106,778 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 9,157,382 | 9,254,247 | 9,649,630 |
| Total Liabilities | 8,103,848 | 8,142,657 | 8,443,028 |
| Total Stockholders Equity | 1,053,534 | 1,111,590 | 1,206,602 |
| Total Debt | 733,738 | 431,547 | 530,285 |
| Cash and Cash Equivalents | 426,722 | 217,664 | 107,864 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 143,643 | 143,187 | 0 |
| Capital Expenditure | -13,458 | -6,822 | 0 |
| Free Cash Flow | 130,185 | 136,365 | 0 |
| Net Income | 113,363 | 117,205 | 106,778 |
| Net Change in Cash | 272,700 | -209,058 | -217,664 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 488,888.150 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 500,111.849 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 494,500 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 148,114.131 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 151,514.476 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 149,814.304 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 119,156.830 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 132,592.912 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 126,389.290 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 176,543.750 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 180,596.770 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 178,570.260 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 3.550 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 3.750 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 3.370 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 6 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Earnings Performance: Peoples Bancorp reported a diluted earnings per share of $0.83 for Q3 2025, reflecting strong profitability as highlighted in the latest earnings call transcript. This performance indicates effective operational management and a robust business model within the financial sector.
- Positive Revenue and Net Income Trends: Historical income statement data shows consistent revenue and net income figures, underpinned by steady gross profit margins (as per grossProfitMarginTTM). This suggests a stable core business capable of generating sustainable earnings.
- Healthy Financial Position: Balance sheet metrics, including a reasonable debt-to-equity ratio (debtToEquityRatioTTM) and strong total stockholders' equity, indicate a balanced capital structure, providing resilience against economic fluctuations.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates PEBO intrinsic value between $35.77 – $57.09 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about PEBO valuation
Is Peoples Bancorp Inc. (PEBO) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Peoples Bancorp Inc. (PEBO) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is PEBO a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PEBO trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is PEBO’s P/E ratio?
You can see PEBO’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for PEBO?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is PEBO a good long-term investment?
Whether PEBO fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
PEBO
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Daily snapshot
0.45
Trading Metrics:
| Open: | 32.95 | Previous Close: | 33.31 | |
| Day Low: | 32.82 | Day High: | 33.57 | |
| Year Low: | 26.21 | Year High: | 34.33 | |
| Price Avg 50: | 32.58 | Price Avg 200: | 30.71 | |
| Volume: | 216530 | Average Volume: | 296291 |
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Login — it's freePEBO full analysis
Welcome to MARKETSNAP’s SWOT analysis for Peoples Bancorp, a regional financial institution that might not be on everyone’s radar but definitely deserves a closer look if you’re hunting for value in the banking sector. If you’re a long-term investor looking to diversify your portfolio with a solid player in the financial space, stick around as we break down what makes Peoples Bancorp tick, where it’s shining, and where it might face some headwinds. Let’s dive right in with a quick…
