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PEOPLES BANCORP INC

PEBO

$40.91 ▼ -0.23 (-0.55%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

PEOPLES BANCORP INC shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.4B

Dividend Yield 3.98%

Revenue Growth 2.5% ↘

Op. Margin 29.4% ↘

ROIC None

FCF / Share None

Trailing P/E 13.5x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.61

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$459.31M

↑ +2.5% —

Net Income Profit after all expenses

$106.78M

↓ -8.9% —

Operating Margin Operating profit as % of sales

29.4%

↓ -12.0% 86th

Long-Term Debt Long-term obligations

$204.14M

↓ -14.3% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↑

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.63 Latest / share

+2.5% YoY

+8.6% 9-yr CAGR

FY 2014

FY 2015

FY 2016

$0.84

FY 2017

$1.12

FY 2018

$1.32

FY 2019

$1.37

FY 2020

$1.43

FY 2021

$1.50

FY 2022

$1.55

FY 2023

$1.59

FY 2024

$1.63

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	2.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-58%)	5.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-17%)	28.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+374%)	88.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1376%)	24.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+306%)	-1.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-120%)	8.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+40%)	14.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+146%)	8.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+34%)	7.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+22%)	39.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+560%)	25.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+332%)	1.6% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-73%)	0.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-95%)	-8.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-247%)	-2.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-147%)	—	—
EPS Growth YoY (%)	-9.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-3.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-4.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	66.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	24.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-34.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	9.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	14.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	23.3% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	177.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-54.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-17.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-14.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	79.4% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	214.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	54.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-8.9% Weak ↓ Weak Declining Year-over-year change in net income	3.4% Caution ↓ Caution Declining Year-over-year change in net income	11.9% Fair ↓ Fair Declining Year-over-year change in net income	113.0% Excellent ↑ Excellent Improving Year-over-year change in net income	36.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-35.3% Weak ↓ Weak Declining Year-over-year change in net income	16.1% Good ↓ Good Declining Year-over-year change in net income	20.2% Good ↓ Good Declining Year-over-year change in net income	23.5% Good ↓ Good Declining Year-over-year change in net income	184.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-34.4% Weak ↓ Weak Declining Year-over-year change in net income	-5.1% Weak ↓ Weak Declining Year-over-year change in net income	-13.8% Weak ↓ Weak Declining Year-over-year change in net income	62.4% Excellent ↓ Excellent Declining Year-over-year change in net income	125.0% Excellent Excellent Year-over-year change in net income	33.2% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	11.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	36.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	44.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	32.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	10.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	7.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	10.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	17.4% Excellent → Excellent Stable Compound annual revenue growth over 3 years	23.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	21.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	8.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-2.4% Weak Weak Compound annual revenue growth over 3 years	-3.9% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	26.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	25.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	26.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	23.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.6% Good ↓ Good Declining Compound annual revenue growth over 5 years	7.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	15.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	18.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	15.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.3% Good Good Compound annual revenue growth over 5 years	2.6% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-5.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	15.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	25.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.9% Good ↑ Good Improving Compound annual EPS growth over 3 years	-3.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-6.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	15.5% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	57.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	1.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-31.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	8.3% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	69.3% Excellent Excellent Compound annual EPS growth over 3 years	105.9% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	29.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	33.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	34.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	38.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	32.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	30.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	45.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	41.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	49.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+99%)	42.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	14.9% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	33.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	51.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+106%)	53.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+115%)	30.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	9.4% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	5.0% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	—
Profit Margin (%) (%)	23.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	26.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	26.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	30.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	27.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	24.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	37.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	35.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	33.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	29.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	11.0% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	23.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	31.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	36.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	22.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	9.2% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	6.7% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	8.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	10.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	10.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	12.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	5.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	6.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	9.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	8.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	8.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	7.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	2.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	9.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	6.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	2.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	1.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.61x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-49%)	0.39x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-68%)	0.78x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	0.77x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-36%)	0.31x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.32x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.67x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-44%)	0.90x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	0.77x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-36%)	1.04x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-14%)	0.65x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-46%)	0.79x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-34%)	1.06x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-11%)	0.80x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-34%)	0.94x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-22%)	0.91x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-24%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$13.13	$12.88	$13.12	$11.91	$8.08	$7.18	$7.13	$6.96	$6.38	$5.92	$5.66	$5.85	$5.35	$5.29	$5.30	$5.84	$6.05	—
Basic EPS, GAAP (USD)	$3.03	$3.34	$3.46	$3.61	$2.17	$1.74	$2.65	$2.42	$2.12	$1.72	$0.62	$1.36	$1.65	$1.92	$1.07	$0.34	$0.22	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.63	$1.59	$1.55	$1.50	$1.43	$1.37	$1.32	$1.12	$0.84	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$34.50	$31.96	$32.38	$28.14	$38.73	$29.19	$29.54	$27.39	$25.41	$24.16	$23.91	$27.92	$20.94	$21.06	$19.71	$22.13	$23.54	—
Tangible Book Value per Share (USD)	$23.25	$20.39	$19.71	$16.45	$25.39	$19.83	$20.72	$18.85	$17.40	$16.06	$15.39	$18.96	$13.60	$14.55	$13.56	$15.91	$23.54	—
Basic Weighted Avg Shares (shares)	34.97M	34.78M	32.53M	27.91M	21.82M	19.72M	20.12M	18.99M	18.05M	18.01M	17.56M	12.18M	10.58M	10.53M	10.48M	10.42M	10.36M	—
Dividend Payout Ratio (%)	53.8% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	47.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	44.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	65.9% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	78.7% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	49.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	46.3% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	39.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$204.14M	$238.07M	$216.24M	$101.09M	$99.47M	$110.57M	$83.12M	$109.64M	$144.02M	$145.16M	$113.67M	$179.08M	$121.83M	$128.82M	$142.31M	$157.70M	—	—
Total Equity (USD)	$1.21B	$1.11B	$1.05B	$785.33M	$845.02M	$575.67M	$594.39M	$520.14M	$458.59M	$435.26M	$419.79M	$340.12M	$221.55M	$221.73M	$206.66M	$230.68M	$243.97M	$186.63M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$459.31M	$448.07M	$426.79M	$332.28M	$176.20M	$141.67M	$143.40M	$132.27M	$115.24M	$106.69M	$99.41M	$71.22M	$56.57M	$55.68M	$55.52M	$60.90M	$62.67M	—
Depreciation Expense (USD)	$8.60M	$8.60M	$7.70M	$7.00M	$6.10M	$6.00M	$5.70M	$4.90M	$4.90M	$5.10M	$4.60M	$3.00M	$2.60M	$2.20M	$1.97M	—	—	—
Net Income, GAAP (USD)	$106.78M	$117.20M	$113.36M	$101.29M	$47.55M	$34.77M	$53.70M	$46.26M	$38.47M	$31.16M	$10.94M	$16.68M	$17.57M	$20.39M	$12.55M	$5.58M	$4.19M	—
Operating Cash Flow (USD)	$134.73M	$143.19M	$143.64M	$119.84M	$156.42M	$85.48M	$67.16M	$75.24M	$61.03M	$60.31M	$47.88M	$31.50M	$40.46M	$41.25M	$43.38M	$45.12M	$23.26M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.7%	3.8%	3.7%	3.5%	2.4%	2.9%	3.2%	3.2%	3.2%	3.1%	3.0%	2.7%	2.7%	2.8%	3.0%	3.3%	—	—
Efficiency Ratio (%) (%)	61.5%	61.1%	62.4%	62.3%	104.3%	94.4%	95.7%	95.2%	93.7%	100.2%	115.8%	119.4%	120.7%	114.0%	110.5%	93.7%	93.6%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 68 quarters

PEOPLES BANCORP INC

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