PEBONasdaqState Commercial BanksFiscal year ends December 31
PEOPLES BANCORP INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 30, 2026
$36.47−0.25 (-0.68%)
Close on Oct 19, 2026
- Market cap
- $1.30B
- P/E (TTM)
- 11.0
- Dividend yield
- 4.47%
Margins
Share of revenue, fiscal years 2011 to 2025
Operating margin
155.4%+76.4 pts over 5 years
Net margin
123.1%+58.7 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +2.3% | +7.4% | +10.0% | -1.4% | |
| Operating income | -9.8% | +1.6% | +25.9% | +24.7% | |
| Net income | -8.9% | +1.8% | +25.2% | +25.6% | |
| EPS, diluted | -9.7% | -6.0% | +11.6% | +17.2% | |
| Free cash flow | -5.6% | +4.4% | +9.7% | +12.8% | |
| Dividend per share | +2.5% | +2.8% | +3.5% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 7.3% | 5.9% | 9.2% | |
| Return on assets | 0.9% | 0.8% | 1.1% | |
| Debt to equity | 0.70 | – | – | |
| Net debt to EBITDA | 3.71× | – | – | |
| Interest coverage | 4.3× | 2.3× | – | |
| Capex to revenue | 5.1% | 8.0% | 6.9% | |
| Diluted shares | 18M | 20M | 35M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Peoples Bancorp generated $697.82M from operations and spent $293.92M on capital expenditure, dividends and share buybacks. 14% of that went back into the business.
Generated
$697.82M
Used
$293.92M
Capital expenditure$39.74M14%Dividends$239.91M82%Share buybacks$14.28M5%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin123.1%
×Asset turnover0.01×
×Equity multiplier8.15×
=Return on equity, FY20259.2%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 123.1% | 0.01× | 8.15× | 9.2% |
| FY2024 | 138.3% | 0.01× | 8.50× | 10.8% |
| FY2023 | 142.6% | 0.01× | 8.90× | 12.3% |
| FY2022 | 144.8% | 0.01× | 8.75× | 12.4% |
| FY2021 | 77.5% | 0.01× | 8.32× | 6.7% |
| FY2020 | 64.5% | 0.01× | 7.79× | 5.9% |
| FY2019 | 95.4% | 0.01× | 7.49× | 9.6% |
| FY2018 | 92.0% | 0.01× | 7.74× | 9.5% |
| FY2017 | 33.4% | 0.03× | 7.85× | 8.6% |
| FY2016 | 29.2% | 0.03× | 7.83× | 7.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$106.78M
- Cash generatingOperating cash flow above zero$134.73M
- Return on assets improvedROA up on the prior year1.3% → 1.2%
- Earnings backed by cashOperating cash flow above net income$134.73M vs $106.78M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise35M → 35M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.01 → 0.01