Reading the tape
NASDAQ: PEBO
Peoples Bancorp Inc.
Financial Services · Banks - Regional
Market Cap
$1.23B
52w High
$35.46
52w Low
$27.49
P/E
10.81
Volume
167.33K
Outstanding Shares
35.92M
Price vs Fundamentals
Why The Stock Is Moving
Momentum disconnected from fundamentalsModerate confidence
1Y Price: 15.79%Revenue (TTM): -2.44%FCF (TTM): -8.26%P/FCF: 75th pct
What changed
The stock rose 15.79% over the last year. Revenue declined 2.44% over the trailing twelve months. Operating margin moved from 23.29% to 20.17%. Free cash flow declined 8.26% over the trailing twelve months.
What the market seems to be pricing
The stock is rising despite deteriorating fundamentals and now sits at the 75th percentile of its historical P/FCF range. This is a momentum-driven move — the market may be front-running a recovery that has not yet appeared in reported numbers.
What would invalidate this read
Operating margin (currently 20.17%) would need to stabilize or improve to justify the move. Revenue is declining 2.44% — a trend reversal in the next report would be the key signal to watch. This read is wrong if the next period shows operating metrics turning the corner. At that point the price would be anticipating real improvement rather than running ahead of it.
Company profile
Peoples Bancorp Inc. operates as the holding company for Peoples Bank that provides commercial and retail banking products and services.
CEOTyler J. Wilcox
SectorFinancial Services
IndustryBanks - Regional
Employees1,460
IPO dateFeb 10, 1993
Valuation
Forward P/E—
EV/EBITDA11.84
Enterprise value$1.6B
Price / Book1.02
Stock splits
Jul 15, 2013↑ Forward
Every 10 shares became 11
Aug 27, 2003↑ Forward
Every 20 shares became 21
Jun 11, 2002↑ Forward
Every 10 shares became 11
Aug 22, 2001↑ Forward
Every 10 shares became 11
Feb 17, 2000↑ Forward
Every 10 shares became 11
May 26, 1999↑ Forward
Every 10 shares became 11
May 1, 1998↑ Forward
Every 2 shares became 3
Jul 11, 1996↑ Forward
Every 10 shares became 11
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Income growth9.66%
Gross marginN/A
Operating margin32.32%▼9.50%vs FY2024
ROE8.85%▼16.07%vs FY2024
Analyst consensus
RatingHold
Target price$38.00▲10.72%
4
Buy
7
Hold
0
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Jul 28, 2026
Q3 FY26 · EPS est $0.85 · Revenue est $120.03M
View
Dividends
$1.65/shareQuarterlyDividend Achiever · 15yrPEBO pays a dividend with a 4.81% dividend yield, 15 consecutive years of growth.
Dividend Yield
4.81%
Annual Div / Share
$1.65
5yr CAGR
+3.34%
Payout Ratio
52.24%
Bank — specialized metrics apply
Dividend Growth Rate
3yr CAGR
+2.55%
5yr CAGR
+3.34%
10yr CAGR
+10.46%
Dividend History
Annualized dividend cycles per share
YearAnnual DivYoY
2026$1.65+2.5%
2025$1.61+2.5%
2024$1.57+2.6%
2023$1.53+4.8%
2022$1.46+4.3%
2021$1.40+2.9%
2020$1.36+11.5%
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$48/yr
$4/mo
In 5 yrs
$48/yr
$4/mo
In 10 yrs
$48/yr
$4/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$48/yr $4/mo | $48/yr $4/mo | $48/yr $4/mo |
5yr and 10yr income use the current dividend with no growth assumption because bank payout growth depends on earnings cycles, regulation, and capital policy.
Analysis
Dividend Strengths
Dividend Achiever
PEBO has raised its dividend for 15 consecutive years — qualifying as a Dividend Achiever, demonstrating long-term commitment to shareholder income.
Risks to Watch
No strong risk signal stands out from the latest period pair.