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what it is
Peoples Bancorp takes deposits, makes loans, and sells fee-based services across 145 locations in six markets.
how it gets paid
Last year Peoples Bancorp made $87M in revenue. Net interest income was the main engine at $52M, or 60% of sales.
why it's growing
Revenue grew 2.3% last year. EDGAR showed Revenue up 201% vs. prior year and EPS up 153%.
what just happened
Revenue hit $65M and EPS reached $2.10, both far above the year-ago period.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
65/100 earnings predictability — reasonably predictable
11.3x trailing p/e — the market's not buying it — or you found a deal
5.2% dividend yield — cash in your pocket every quarter
$2.99 fy2025 eps est
xvary composite: 68/100 — average
What they do
Peoples Bancorp takes deposits, makes loans, and sells fee-based services across 145 locations in six markets.
This is a local-banking scale game. Peoples had $9.6 billion in assets and 145 locations as of December 31, 2025, which means your checking account, mortgage, and branch relationship can sit under one roof. Switching costs (the hassle of moving accounts and payments) → moving your money is annoying → that stickiness helps a bank defend deposits.
How they make money
$87M
annual revenue · their business grew +2.3% last year
Net interest income
$52M
Trust and investment income
$11M
Insurance income
$8M
Deposit service charges
$9M
Card, brokerage, and other fees
$7M
The products that matter
business loans and treasury services
Commercial Banking
3–5% loan growth target
this is the main growth lever. management's 3–5% loan growth target for 2026 tells you where the story has to come from.
core engine
deposits and personal lending
Consumer Banking
supports the 5.2% yield
consumer deposits matter because PEBO is paying you a 5.2% dividend and still needs cheap funding to grow loans without squeezing returns.
funding base
trust, advisory, and insurance fees
Wealth Management & Insurance
25.6% profit margin backdrop
fee businesses matter because the bank's 25.6% profit margin needs help from revenue that does not depend entirely on loan spreads.
non-interest income
Key numbers
11.3x
trailing p/e
You are paying 11.3 times trailing earnings for a bank yielding 5.2%, which is cheap versus the market but cheap for a reason if earnings slip.
5.2%
dividend yield
That yield pays you while you wait, but it also tells you the market wants compensation for regional-bank risk.
$9.6B
total assets
Assets are the balance-sheet raw material for a bank. More assets usually mean more loans, deposits, and fee opportunities.
$238M
long-term debt
Long-term debt was 17% of capital, which is manageable but still leverage in a business already built on leverage.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 2 — safer than 80% of stocks
- price stability 80 / 100
- long-term debt $238M (17% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for PEBO right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue hit $65M and EPS reached $2.10, both far above the year-ago period.
EDGAR showed quarterly revenue up 201% vs. prior year and EPS up 153%. That is the kind of jump that gets attention, even for a bank usually priced like wallpaper.
$65M
revenue
$2.10
eps
n/a
n/a
the number that mattered
Revenue growing 201% vs. prior year matters most because it is the clearest proof that recent operating momentum was real, not just accounting noise.
source: company earnings report, 2026
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What could go wrong
the top risk here is credit trouble in the small-ticket leasing portfolio. this is a regional bank with a 9.21% return on equity, so it does not have a huge cushion for mistakes.
med
small-ticket leasing credit losses
this is the only risk on the page with a hard dollar range. if credit quality deteriorates here, the damage is direct and measurable.
$9M–$13M of revenue at risk
med
loan growth comes in below the 3–5% target
if the loan book does not grow, PEBO falls back to being a 5.2% dividend story with an 11.3x multiple. that can still work, but the upside narrows fast.
pressures the main growth lever management has given you
med
profitability stays stuck around 9.21% return on equity
a bank can look safe and still be mediocre. if returns do not improve, the stock remains a yield vehicle instead of a compounding story.
limits multiple expansion even if earnings stay stable
the leasing book alone exposes $9M–$13M of revenue against a reported $87M annual total. even outside that pocket, low-return banks do not have much room for credit mistakes or growth misses.
source: institutional data · regulatory filings · risk analysis
Pay attention to
calendar
q1 2026 earnings report
expected apr 28, 2026. consensus EPS is $0.80, so another small beat or miss will matter more than usual for a stock priced on stability.
growth
the 3–5% loan-growth target
this is the operating promise for 2026. if management misses it, the investment case leans even harder on the dividend.
risk
small-ticket leasing credit quality
the page flags $9M–$13M of revenue risk here. that is too large to treat as background noise for an $87M revenue base.
ownership
institutional ownership at 60.7%
plenty of professional money already knows this name. if sentiment on regional banks turns, that cuts both ways.
Analyst rankings
earnings predictability
65 / 100
earnings are reasonably predictable, but not clean enough to treat as autopilot. in human-speak: expect a steady bank stock with occasional noise.
risk rank
2
risk rank 2 means safer than 80% of stocks. translation: this is not where you go for chaos, just not where you go for elite returns either.
source: institutional data
Institutional activity
institutional ownership data for PEBO is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$34
current price
n/a
target midpoint · n/a from current
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