PEBO Financials Peoples Bancorp Inc

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated 28 h ago Overview →

Growth & profitability

Revenue has grown 10.0% per year over the past 5 years.
Net income has grown faster than revenue (25.2% vs 10.0% per year).
Operating margin has expanded, at 155.4% in the latest year.
Free cash flow has grown 9.7% per year over the past 5 years.

Financial health

Total debt ($734M) exceeds cash ($189M); net debt is $545M.
Total debt has grown faster than revenue (31.9% vs 10.0% per year).
Total debt is 4.9× EBITDA.

Shareholder returns

Dividends have been paid for 15 consecutive years, consuming 54.4% of earnings and 45.2% of free cash flow.
The dividend has grown 16.5% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	FCF	Total debt	Cash
2025	$87M	$107M	0.0%	155.4%	$129M	$734M	$189M
2024	$85M	$117M	0.0%	176.3%	$136M	$432M	$218M
2023	$80M	$113M	0.0%	182.5%	$130M	$867M	$427M
2022	$70M	$101M	0.0%	183.9%	$113M	$601M	$154M
2021	$61M	$48M	0.0%	92.8%	$150M	$266M	$416M
2020	$54M	$35M	0.0%	79.1%	$81M	$184M	$152M
2019	$56M	$54M	0.0%	116.1%	$64M	$400M	$115M
2018	$50M	$46M	0.0%	109.3%	$71M	$466M	$78M
2017	—	$38M	—	—	$56M	$354M	$72M
2016	—	$31M	—	—	$55M	$451M	$66M
2015	—	$11M	—	—	$38M	$274M	$71M
2014	—	$17M	—	—	$24M	$267M	$61M
2013	—	$18M	—	—	$34M	$235M	$54M
2012	—	$20M	—	—	$37M	$177M	$63M
2011	—	$13M	—	—	$42M	$194M	$63M

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	FCF	Total debt	Cash
Mar '26	$22M	$29M	0.0%	167.0%	$33M	$691M	$190M
Dec '25	$22M	$32M	0.0%	173.0%	$35M	$734M	$189M
Sep '25	$22M	$29M	0.0%	176.5%	$13M	$711M	$190M
Jun '25	$21M	$21M	0.0%	129.1%	$49M	$629M	$186M
Mar '25	$22M	$24M	0.0%	142.8%	$32M	$256M	$187M
Dec '24	$22M	$27M	0.0%	159.5%	$40M	$432M	$218M
Sep '24	$20M	$32M	0.0%	200.0%	$33M	$413M	$284M
Jun '24	$21M	$29M	0.0%	174.5%	$30M	$717M	$236M
Mar '24	$22M	$30M	0.0%	172.7%	$33M	$750M	$430M
Dec '23	$21M	$34M	0.0%	210.5%	$28M	$867M	$427M
Sep '23	$20M	$32M	0.0%	199.8%	$46M	$759M	$299M
Jun '23	$20M	$21M	0.0%	139.6%	$11M	$694M	$148M
Mar '23	$19M	$27M	0.0%	177.8%	$45M	$586M	$157M
Dec '22	$17M	$27M	0.0%	197.0%	$18M	$601M	$154M
Sep '22	$17M	$26M	0.0%	194.7%	$36M	$238M	$145M
Jun '22	$17M	$25M	0.0%	181.8%	$46M	$450M	$398M
Mar '22	$18M	$24M	0.0%	163.1%	$14M	$346M	$406M
Dec '21	$17M	$28M	0.0%	192.8%	$89M	$266M	$416M
Sep '21	$15M	-$6M	0.0%	-54.0%	$25M	$284M	$500M
Jun '21	$14M	$10M	0.0%	87.2%	$18M	$162M	$246M

Valuation over time

How the market has priced PEBO against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has risen from 9.3× (Mar '23) to 12.7× (Jun '26).
The price-to-sales ratio has risen from 13.5× (Mar '23) to 15.7× (Jun '26).
The dividend yield has fallen from 4.5% (Mar '23) to 4.3% (Jun '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is PEBO growing its revenue and profit?

Over the past 5 years, Peoples Bancorp Inc's revenue has grown 10.0% per year, and net income grown 25.2% per year. These are computed facts, not advice.

How much debt does PEBO have?

As of FY2025, Peoples Bancorp Inc reported $734M of total debt against $189M of cash.

What is PEBO's profit margin?

In FY2025, gross margin was —, operating margin 155.4%, and net margin 123.1%.

What is PEBO's P/E ratio?

As of Jun '26, Peoples Bancorp Inc traded at a price-to-earnings ratio of about 12.7× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.