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 Nov 1, 2026, 10:31 UTC 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 ($640M) exceeds cash ($189M); net debt is $451M.
Total debt has grown faster than revenue (28.3% vs 10.0% per year).
Total debt is 4.3× 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

Return on equity & assets (ROE / ROA)

ROEROA

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	ROE	ROA	FCF	Total debt	Cash
2025	$87M	$107M	0.0%	155.4%	8.8%	1.1%	$129M	$640M	$189M
2024	$85M	$117M	0.0%	176.3%	10.5%	1.3%	$136M	$432M	$218M
2023	$80M	$113M	0.0%	182.5%	10.8%	1.2%	$130M	$867M	$427M
2022	$70M	$101M	0.0%	183.9%	12.9%	1.4%	$113M	$601M	$154M
2021	$61M	$48M	0.0%	92.8%	5.6%	0.7%	$150M	$266M	$416M
2020	$54M	$35M	0.0%	79.1%	6.0%	0.7%	$81M	$184M	$152M
2019	$56M	$54M	0.0%	116.1%	9.0%	1.2%	$64M	$400M	$115M
2018	$50M	$46M	0.0%	109.3%	8.9%	1.2%	$71M	$466M	$78M
2017	—	$38M	—	—	8.4%	1.1%	$56M	$354M	$72M
2016	—	$31M	—	—	7.2%	0.9%	$55M	$451M	$66M
2015	—	$11M	—	—	2.6%	0.3%	$38M	$274M	$71M
2014	—	$17M	—	—	4.9%	0.6%	$24M	$267M	$61M
2013	—	$18M	—	—	7.9%	0.9%	$34M	$235M	$54M
2012	—	$20M	—	—	9.2%	1.1%	$37M	$177M	$63M
2011	—	$13M	—	—	6.1%	0.7%	$42M	$194M	$63M

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

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	ROE	ROA	FCF	Total debt	Cash
Sep '26	$23M	$33M	0.0%	182.6%	2.7%	0.3%	$47M	$859M	$301M
Jun '26	$22M	$28M	0.0%	161.7%	2.3%	0.3%	$55M	$745M	$180M
Mar '26	$22M	$29M	0.0%	167.0%	2.4%	0.3%	$33M	$691M	$190M
Dec '25	$22M	$32M	0.0%	173.0%	2.6%	0.3%	$35M	$640M	$189M
Sep '25	$22M	$29M	0.0%	176.5%	2.5%	0.3%	$13M	$711M	$190M
Jun '25	$21M	$21M	0.0%	129.1%	1.8%	0.2%	$49M	$629M	$186M
Mar '25	$22M	$24M	0.0%	142.8%	2.1%	0.3%	$32M	$256M	$187M
Dec '24	$22M	$27M	0.0%	159.5%	2.4%	0.3%	$40M	$432M	$218M
Sep '24	$20M	$32M	0.0%	200.0%	2.8%	0.3%	$33M	$413M	$284M
Jun '24	$21M	$29M	0.0%	174.5%	2.7%	0.3%	$30M	$717M	$236M
Mar '24	$22M	$30M	0.0%	172.7%	2.8%	0.3%	$33M	$750M	$430M
Dec '23	$21M	$34M	0.0%	210.5%	3.2%	0.4%	$28M	$867M	$427M
Sep '23	$20M	$32M	0.0%	199.8%	3.2%	0.4%	$46M	$759M	$299M
Jun '23	$20M	$21M	0.0%	139.6%	2.1%	0.2%	$11M	$694M	$148M
Mar '23	$19M	$27M	0.0%	177.8%	3.2%	0.4%	$45M	$586M	$157M
Dec '22	$17M	$27M	0.0%	197.0%	3.4%	0.4%	$18M	$601M	$154M
Sep '22	$17M	$26M	0.0%	194.7%	3.4%	0.4%	$36M	$238M	$145M
Jun '22	$17M	$25M	0.0%	181.8%	3.2%	0.3%	$46M	$450M	$398M
Mar '22	$18M	$24M	0.0%	163.1%	2.9%	0.3%	$14M	$346M	$406M
Dec '21	$17M	$28M	0.0%	192.8%	3.3%	0.4%	$89M	$266M	$416M

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 13.1× (Nov '26).
The price-to-sales ratio has risen from 13.5× (Mar '23) to 16.2× (Nov '26).
The dividend yield has fallen from 4.5% (Mar '23) to 4.1% (Nov '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 $640M 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?

Peoples Bancorp Inc's P/E (TTM) is 11.55 as of the 2026-11-03 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the PEBO stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 13.1× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.