# Peoples Bancorp Inc. (PEBO) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $39.99, market value $1.4 billion.

## Valuation
- **P/E (trailing): 12.1×** (5-yr avg 9.1×, 3-yr avg 9.1×). Peoples Bancorp Inc. trades at 12.1× trailing earnings, well above its own five-year average of 9.1×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.3×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 16.4×**. Each dollar of revenue is priced at 16.4×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.5%** (5-yr avg 16.7%). Free cash flow equals 9.5% of the market value, below its five-year average of 16.7%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.3%**. The inverse of the P/E: 8.3% of the price is earned each year.

## Profitability
- **Operating margin: 169.5%**. 169.5% of revenue is left after running the business, an exceptional level.
- **Net margin: 123.1%**. 123.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 8.8%**. 8.8% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on invested capital: 6.7%**. Return on all capital, debt included, is 6.7%.
- **Return on assets: 1.2%**. Each dollar of assets produces 1.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 2.3%** (3-yr 7.4%/yr, 5-yr 10.0%/yr). Revenue grew 2.3% over the last year, against 10.0% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -9.7%** (3-yr -6.0%/yr, 5-yr 11.6%/yr). Earnings per share fell 9.7%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 4.4%/yr**. Free cash flow has compounded at 4.4% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $189 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 4.20%** ($1.66 per share, trailing). Peoples Bancorp Inc. yields 4.20%, an income-level yield.
- **Payout ratio: 54%** (43% of free cash flow). 54% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 14**. 14 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 3.5%/yr** (1-yr 2.5%). The dividend has grown 3.5% a year over five years.

## Price and momentum
- **Total return (1 yr): 33.4%** (YTD 36.5%, 3-mo 13.8%). The shares are up 33.4% over twelve months including dividends.
- **From 52-week high: -5.4%** (45.5% above the low). Trading 5% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.43** (volatility 22%). Beta of 0.43 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PEBO · Page: https://foliofundamentals.com/stocks/pebo

Not investment advice.