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Peoples Bancorp Inc. operates as the financial holding company for Peoples Bank that provides commercial and consumer banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, certificates of deposit, and governmental deposits; and provides commercial and industrial, commercial real estate, construction, finance, residential real estate, and consumer indirect and direct loans, as well as home equity lines of credit and overdrafts. It also offers debit and automated teller machine (ATM) cards; safe deposit rental facilities; money orders and cashier's checks; and online, telephone, and mobile banking services. In addition, it provides various life, health, and property and casualty insurance products; third-party insurance administration; interactive teller machines; insurance premium financing; commercial and technology equipment leasing; fiduciary and trust; equipment financing agreements; and asset management and administration services, as well as employee benefit, retirement, and healthcare plan administration services. Further, the company offers brokerage services through an unaffiliated registered broker-dealer; and credit cards to individuals and businesses, as well as merchant credit card transaction processing, and person-to-person and business-to-business payment processing services. Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $454M | - | $107M | $129M | 8.8% | 2.3% | -8.9% |
| 2024 | $444M | - | $117M | $136M | 10.5% | 5.1% | 3.4% |
| 2023 | $422M | - | $113M | $130M | 10.8% | 30.5% | 11.9% |
| 2022 | $324M | - | $101M | $113M | 12.9% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 323.66 | 422.47 | 443.83 | 454.01 |
| Pretax Income | 128.64 | 145.13 | 149.46 | 134.81 |
| Tax Provision | 27.35 | 31.76 | 32.26 | 28.03 |
| Net Income | 101.29 | 113.36 | 117.20 | 106.78 |
| Net Income Common Stockholders | 100.84 | 112.56 | 116.19 | 105.80 |
| Interest Expense | 16.11 | 100.03 | 172.07 | 159.08 |
| Interest Income | 269.55 | 439.40 | 520.78 | 514.31 |
| Selling General And Administration | 134.36 | 177.13 | 187.64 | 199.06 |
| Normalized Income | 101.78 | 115.58 | 119.80 | 109.18 |
| Basic EPS | 3.61 | 3.46 | 3.34 | 0 |
| Diluted EPS | 3.60 | 3.44 | 3.31 | 0 |
| Tax Effect Of Unusual Items | -0.13 | -0.62 | -0.71 | -0.63 |
| Tax Rate For Calcs | 0.21 | 0.22 | 0.22 | 0.21 |
| Total Unusual Items | -0.62 | -2.84 | -3.31 | -3.03 |
| Total Unusual Items Excluding Goodwill | -0.62 | -2.84 | -3.31 | -3.03 |
| Net Income From Continuing Operation Net Minority Interest | 101.29 | 113.36 | 117.20 | 106.78 |
| Reconciled Depreciation | 17.32 | 3.67 | 3.51 | 14.48 |
| Net Interest Income | 253.44 | 339.37 | 348.70 | 355.23 |
| Net Income From Continuing And Discontinued Operation | 101.29 | 113.36 | 117.20 | 106.78 |
| Rent Expense Supplemental | 0 | 1.69 | 3.54 | 4.59 |
| Diluted Average Shares | 28 | 32.76 | 35.15 | 0 |
| Basic Average Shares | 27.91 | 32.53 | 34.78 | 0 |
| Diluted NI Availto Com Stockholders | 100.84 | 112.56 | 116.19 | 105.80 |
| Otherunder Preferred Stock Dividend | 0.45 | 0.80 | 1.01 | 0.98 |
| Net Income Including Noncontrolling Interests | 101.29 | 113.36 | 117.20 | 106.78 |
| Net Income Continuous Operations | 101.29 | 113.36 | 117.20 | 106.78 |
| Special Income Charges | -0.62 | -2.84 | -3.31 | -3.03 |
| Other Special Charges | 0.62 | 2.84 | 3.31 | 3.03 |
| Gain On Sale Of Security | -0.06 | -3.70 | -0.42 | -2.66 |
| Depreciation Amortization Depletion Income Statement | 7.76 | 11.22 | 11.16 | 8.85 |
| Depreciation And Amortization In Income Statement | 7.76 | 11.22 | 11.16 | 8.85 |
| Amortization | 7.76 | 11.22 | 11.16 | 8.85 |
| Amortization Of Intangibles Income Statement | 7.76 | 11.22 | 11.16 | 8.85 |
| Selling And Marketing Expense | 3.73 | 5.02 | 3.91 | 3.68 |
| General And Administrative Expense | 130.63 | 172.11 | 183.73 | 195.37 |
| Other Gand A | 14.24 | 21.61 | 25.22 | 29.12 |
| Insurance And Claims | 3.70 | 4.79 | 4.93 | 5.14 |
| Rent And Landing Fees | 0 | 1.69 | 3.54 | 4.59 |
| Salaries And Wages | 112.69 | 144.03 | 150.04 | 156.53 |
| Operating Revenue | 323.66 | 422.47 | 443.83 | 454.01 |
| Occupancy And Equipment | 19.52 | 21.37 | 24.15 | 23.18 |
| Professional Expense And Contract Services Expense | 12.09 | 17.04 | 12.11 | 12.66 |
| Other Non Interest Expense | 24.18 | 32.58 | 31.20 | 30.27 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Peoples Bancorp Inc.this co. | PEBO | $1.2B | 10.91↓ discount | 0.99 | 8.8% | - |
| Gold.com, Inc. | GOLD | $1.3B | 94.10 | 1.72 | 2.5% | 22.62 |
| Jefferson Capital, Inc. | JCAP | $1.3B | 3.65 | 2.52 | 39.5% | 6.52 |
| Goosehead Insurance, Inc. | GSHD | $1.2B | 41.05 | -11.96 | -29.1% | - |
| Amalgamated Financial Corp. | AMAL | $1.2B |
| 11.84 |
| 1.49 |
| 13.1% |
| - |
| Trupanion, Inc. | TRUP | $1.2B | 61.37 | 3.11 | 5.1% | 22.61 |
| Community Trust Bancorp, Inc. | CTBI | $1.2B | 11.39 | 1.36 | 11.5% | - |
| Tompkins Financial Corporation | TMP | $1.2B | 7.37 | 1.26 | 17.2% | - |
| Coastal Financial Corporation | CCB | $1.2B | 23.59 | 2.33 | 9.6% | - |
| Peer Median | - | 17.71 | 1.61 | 10.5% | 22.61 | |