Peoples Bancorp Inc - Understand $pebo stock

$PEBO Market Cap: $1.096 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$62.87M

TTM

Gross Margin

Net Earnings

$123.6M

TTM

Current Assets

Current Liabilities

$616.6M

Q2 2024

Current Ratio

Total Assets

$9.226B

Q2 2024

Total Liabilities

$8.149B

Q2 2024

Book Value

$1.078B

Q2 2024

Cash

$235.9M

Q2 2024

P/E

8.869

Sep 13, 2024 EST

Free Cash Flow

$137.5M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Revenue	$79.50M	$69.96M	$197.0K	$647.0K	$404.0K	$207.0K	$126.5M	$115.4M	$108.3M	$80.20M	$67.07M	$69.47M	$75.13M	$89.34M	$102.1M
YoY Change	13.64%	35410.66%	-69.55%	60.15%	95.17%	-99.84%	9.6%	6.56%	35.08%	19.57%	-3.45%	-7.54%	-15.9%	-12.51%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue	$79.50M	$69.96M	$197.0K	$647.0K	$404.0K	$207.0K	$126.5M	$115.4M	$108.3M	$80.20M	$67.07M	$69.47M	$75.13M	$89.34M	$102.1M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$7.700M	$7.000M	$6.100M	$6.000M	$5.700M	$4.900M	$4.900M	$5.100M	$4.600M	$3.000M	$2.600M	$2.200M	$2.000M	$1.943M	$4.100M	$5.700M	$7.200M	$8.700M	$9.700M	$7.700M	$6.600M	$3.500M	$4.600M	$4.600M	$5.000M	$5.100M	$2.600M	$2.100M	$1.600M	$1.900M	$1.600M	$1.700M	$1.500M	$1.300M	$1.200M	$1.500M	$1.400M
YoY Change	10.0%	14.75%	1.67%	5.26%	16.33%	0.0%	-3.92%	10.87%	53.33%	15.38%	18.18%	10.0%	2.93%	-52.61%	-28.07%	-20.83%	-17.24%	-10.31%	25.97%	16.67%	88.57%	-23.91%	0.0%	-8.0%	-1.96%	96.15%	23.81%	31.25%	-15.79%	18.75%	-5.88%	13.33%	15.38%	8.33%	-20.0%	7.14%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit	$145.1M	$128.6M	$56.97M	$42.65M	$65.36M	$54.94M	$57.20M	$45.28M	$14.82M	$24.18M	$29.08M	$29.91M	$17.15M	$5.753M	$3.126M
YoY Change	12.81%	125.8%	33.59%	-34.75%	18.96%	-3.95%	26.33%	205.63%	-38.72%	-16.87%	-2.76%	74.39%	198.12%	84.04%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Interest Expense	$100.0M	$16.11M	$12.24M	$18.18M	$29.26M	$21.65M	$13.15M	$10.58M	$10.72M	$10.69M	$11.69M	$15.00M	$21.15M	$29.43M	$40.26M
YoY Change	520.84%	31.68%	-32.7%	-37.86%	35.12%	64.68%	24.28%	-1.32%	0.25%	-8.49%	-22.07%	-29.12%	-28.13%	-26.9%
% of Operating Profit	68.93%	12.52%	21.48%	42.63%	44.76%	39.41%	22.98%	23.36%	72.36%	44.23%	40.18%	50.13%	123.34%	511.61%	1287.97%
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Pretax Income	$145.1M	$128.6M	$57.00M	$42.60M	$65.40M	$54.90M	$57.20M	$45.30M	$14.80M	$24.20M	$29.10M	$29.90M	$17.20M	$5.800M	$3.100M	$7.600M	$23.90M	$29.40M	$28.10M	$24.30M	$21.60M	$25.80M	$17.70M	$15.80M	$15.50M	$14.80M	$12.70M	$11.10M	$8.600M	$8.100M	$7.300M	$6.000M	$4.600M	$4.300M	$4.000M	$3.600M	$3.100M	$2.800M	$2.700M	$1.900M	$1.300M
YoY Change	12.81%	125.69%	33.8%	-34.86%	19.13%	-4.02%	26.27%	206.08%	-38.84%	-16.84%	-2.68%	73.84%	196.55%	87.1%	-59.21%	-68.2%	-18.71%	4.63%	15.64%	12.5%	-16.28%	45.76%	12.03%	1.94%	4.73%	16.54%	14.41%	29.07%	6.17%	10.96%	21.67%	30.43%	6.98%	7.5%	11.11%	16.13%	10.71%	3.7%	42.11%	46.15%
Income Tax	$31.76M	$27.35M	$9.415M	$7.879M	$11.66M	$8.686M	$18.73M	$14.13M	$3.875M	$7.494M	$11.51M	$9.525M	$4.596M	$172.0K	-$1.064M	$200.0K	$5.600M	$7.900M	$7.600M	$6.100M	$5.400M	$7.100M	$5.400M	$4.700M	$4.800M	$4.700M	$4.100M	$3.500M	$2.600M	$2.300M	$1.900M	$1.500M	$1.000M	$900.0K	$800.0K	$600.0K	$400.0K	$100.0K	$200.0K	$0.00	-$400.0K
% Of Pretax Income	21.89%	21.26%	16.52%	18.5%	17.83%	15.82%	32.75%	31.18%	26.18%	30.97%	39.55%	31.86%	26.72%	2.97%	-34.32%	2.63%	23.43%	26.87%	27.05%	25.1%	25.0%	27.52%	30.51%	29.75%	30.97%	31.76%	32.28%	31.53%	30.23%	28.4%	26.03%	25.0%	21.74%	20.93%	20.0%	16.67%	12.9%	3.57%	7.41%	0.0%	-30.77%
Net Earnings	$112.6M	$101.3M	$47.56M	$34.77M	$53.70M	$46.26M	$38.47M	$31.16M	$10.94M	$16.68M	$17.57M	$20.39M	$12.56M	$5.581M	$4.190M	$7.500M	$18.30M	$21.60M	$20.50M	$18.30M	$16.30M	$18.80M	$12.30M	$11.10M	$10.70M	$10.00M	$8.600M	$7.700M	$6.100M	$5.700M	$5.100M	$4.600M	$3.600M	$3.500M	$3.200M	$2.900M	$2.700M	$2.600M	$2.500M	$1.900M	$1.600M
YoY Change	11.13%	113.0%	36.78%	-35.25%	16.08%	20.23%	23.47%	184.77%	-34.42%	-5.06%	-13.79%	62.37%	124.96%	33.2%	-44.13%	-59.02%	-15.28%	5.37%	12.02%	12.27%	-13.3%	52.85%	10.81%	3.74%	7.0%	16.28%	11.69%	26.23%	7.02%	11.76%	10.87%	27.78%	2.86%	9.38%	10.34%	7.41%	3.85%	4.0%	31.58%	18.75%
Net Earnings / Revenue	141.59%	144.79%	24139.59%	5373.57%	13290.84%	22345.41%	30.41%	26.99%	10.1%	20.8%	26.2%	29.34%	16.71%	6.25%	4.1%
Basic Earnings Per Share	$3.46	$3.61	$2.17	$1.74	$2.65	$2.42	$2.12	$1.72	$0.62	$1.36	$1.65	$1.92	$1.07	$0.34	$0.22
Diluted Earnings Per Share	$3.44	$3.60	$2.15	$1.73	$2.63	$2.41	$2.10	$1.71	$0.61	$1.35	$1.63	$1.92	$1.07	$0.34	$0.22	$728.2K	$1.743M	$2.019M	$1.934M	$1.710M	$1.523M	$2.186M	$1.464M	$1.321M	$1.202M	$1.099M	$1.036M	$962.5K	$753.1K	$703.7K	$645.6K	$561.0K	$439.0K	$416.7K	$376.5K	$341.2K	$333.3K	$351.4K	$396.8K	$301.6K	$254.0K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$103.9M	$89.76M	$97.20M	$66.60M	$69.50M	$56.50M	$52.50M	$53.60M	$53.50M	$40.30M	$29.80M	$27.00M	$23.90M	$24.90M	$24.80M	$25.10M	$24.80M	$48.80M	$23.50M	$22.60M	$22.20M	$18.10M	$16.40M	$15.60M	$15.30M	$14.80M	$12.00M	$11.50M	$10.60M	$10.80M	$10.80M	$8.100M	$6.000M	$5.600M	$5.600M	$5.400M	$5.300M	$3.900M	$4.100M	$4.000M	$3.800M
YoY Change	15.71%	-7.66%	45.95%	-4.17%	23.01%	7.62%	-2.05%	0.19%	32.75%	35.23%	10.37%	12.97%	-4.02%	0.4%	-1.2%	1.21%	-49.18%	107.66%	3.98%	1.8%	22.65%	10.37%	5.13%	1.96%	3.38%	23.33%	4.35%	8.49%	-1.85%	0.0%	33.33%	35.0%	7.14%	0.0%	3.7%	1.89%	35.9%	-4.88%	2.5%	5.26%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$9.157B	$7.207B	$7.064B	$4.761B	$4.354B	$3.992B	$3.582B	$3.432B	$3.259B	$2.568B	$2.059B	$1.918B	$1.794B	$1.838B	$2.002B	$2.002B	$1.886B	$1.875B	$1.855B	$1.809B	$1.736B	$1.394B	$1.194B	$1.136B	$1.076B	$880.3M	$758.2M	$616.6M	$543.4M	$498.0M	$465.4M	$468.6M	$424.4M	$412.8M	$396.1M	$377.6M	$359.4M	$321.8M	$307.8M	$270.5M	$255.6M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$134.2M	$103.8M	$90.00M	$90.80M	$68.30M	$50.00M	$39.30M	$36.60M	$29.20M	$27.20M	$21.40M	$27.40M	$19.90M	$13.90M	$16.40M	$19.70M	$19.40M	$19.50M	$17.40M	$18.20M	$10.10M	$10.20M	$8.200M	$7.600M	$7.600M	$6.900M	$7.100M	$7.000M	$6.500M	$5.000M	$4.400M	$0.00	$2.300M	$2.900M	$2.900M	$3.100M	$3.000M	$3.400M	$3.500M	$3.600M	$3.200M
YoY Change	29.27%	15.34%	-0.88%	32.94%	36.6%	27.23%	7.38%	25.34%	7.35%	27.1%	-21.9%	37.69%	43.17%	-15.24%	-16.75%	1.55%	-0.51%	12.07%	-4.4%	80.2%	-0.98%	24.39%	7.89%	0.0%	10.14%	-2.82%	1.43%	7.69%	30.0%	13.64%		-100.0%	-20.69%	0.0%	-6.45%	3.33%	-11.76%	-2.86%	-2.78%	12.5%
Deferred Revenue
YoY Change
Short-Term Debt	$601.1M	$100.1M	$111.5M	$53.30M	$43.00M	$51.20M	$116.9M	$74.60M	$84.40M	$73.30M	$42.60M	$47.80M	$51.60M	$51.50M	$51.90M	$68.90M	$35.00M	$166.7M	$193.7M	$14.50M	$16.50M	$39.10M	$23.80M	$54.70M	$65.00M	$31.80M	$30.80M	$17.00M	$12.10M	$9.300M	$12.30M	$9.700M	$7.900M	$10.20M	$8.800M	$13.10M	$5.400M	$6.700M	$8.900M	$10.30M	$8.100M
YoY Change	500.29%	-10.19%	109.19%	23.95%	-16.02%	-56.2%	56.7%	-11.61%	15.14%	72.07%	-10.88%	-7.36%	0.19%	-0.77%	-24.67%	96.86%	-79.0%	-13.94%	1235.86%	-12.12%	-57.8%	64.29%	-56.49%	-15.85%	104.4%	3.25%	81.18%	40.5%	30.11%	-24.39%	26.8%	22.78%	-22.55%	15.91%	-32.82%	142.59%	-19.4%	-24.72%	-13.59%	27.16%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$735.3M	$103.8M	$90.00M	$90.80M	$68.30M	$50.00M	$39.30M	$36.60M	$29.20M	$27.20M	$21.40M	$27.40M	$19.90M	$13.90M	$16.40M	$19.70M	$19.40M	$19.50M	$17.40M	$18.20M	$10.10M	$10.20M	$8.200M	$7.600M	$7.600M	$6.900M	$7.100M	$7.000M	$6.500M	$5.000M	$4.400M	$9.700M	$2.300M	$2.900M	$2.900M	$3.100M	$3.000M	$3.400M	$3.500M	$3.600M	$3.200M
YoY Change	608.36%	15.34%	-0.88%	32.94%	36.6%	27.23%	7.38%	25.34%	7.35%	27.1%	-21.9%	37.69%	43.17%	-15.24%	-16.75%	1.55%	-0.51%	12.07%	-4.4%	80.2%	-0.98%	24.39%	7.89%	0.0%	10.14%	-2.82%	1.43%	7.69%	30.0%	13.64%	-54.64%	321.74%	-20.69%	0.0%	-6.45%	3.33%	-11.76%	-2.86%	-2.78%	12.5%
Long-Term Debt	$216.2M	$66.94M	$13.70M	$7.600M	$7.500M	$7.300M	$7.100M	$46.90M	$46.70M	$54.40M	$59.10M	$128.8M	$164.9M	$180.3M	$268.6M	$330.8M	$254.4M	$29.40M	$43.00M	$494.1M	$417.8M	$242.0M	$221.5M	$167.5M	$179.3M	$40.70M	$28.60M	$29.20M	$23.10M	$23.80M	$20.30M	$15.50M	$6.800M	$7.300M	$8.000M	$8.500M	$8.900M	$8.900M	$4.200M	$4.200M	$4.400M
YoY Change	223.06%	388.58%	80.26%	1.33%	2.74%	2.82%	-84.86%	0.43%	-14.15%	-7.95%	-54.11%	-21.89%	-8.54%	-32.87%	-18.8%	30.03%	765.31%	-31.63%	-91.3%	18.26%	72.64%	9.26%	32.24%	-6.58%	340.54%	42.31%	-2.05%	26.41%	-2.94%	17.24%	30.97%	127.94%	-6.85%	-8.75%	-5.88%	-4.49%	0.0%	111.9%	0.0%	-4.55%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$216.2M	$66.94M	$13.70M	$7.600M	$7.500M	$7.300M	$7.100M	$46.90M	$46.70M	$54.40M	$59.10M	$128.8M	$164.9M	$180.3M	$268.6M	$330.8M	$254.4M	$29.40M	$43.00M	$494.1M	$417.8M	$242.0M	$221.5M	$167.5M	$179.3M	$40.70M	$28.60M	$29.20M	$23.10M	$23.80M	$20.30M	$15.50M	$6.800M	$7.300M	$8.000M	$8.500M	$8.900M	$8.900M	$4.200M	$4.200M	$4.400M
YoY Change	223.06%	388.58%	80.26%	1.33%	2.74%	2.82%	-84.86%	0.43%	-14.15%	-7.95%	-54.11%	-21.89%	-8.54%	-32.87%	-18.8%	30.03%	765.31%	-31.63%	-91.3%	18.26%	72.64%	9.26%	32.24%	-6.58%	340.54%	42.31%	-2.05%	26.41%	-2.94%	17.24%	30.97%	127.94%	-6.85%	-8.75%	-5.88%	-4.49%	0.0%	111.9%	0.0%	-4.55%
Total Liabilities	$8.104B	$6.422B	$6.219B	$4.185B	$3.760B	$3.471B	$3.123B	$2.997B	$2.839B	$2.228B	$1.838B	$1.696B	$1.588B	$1.607B	$1.758B	$1.816B	$1.683B	$1.678B	$1.672B	$1.634B	$1.565B	$1.247B	$1.100B	$1.053B	$1.003B	$794.3M	$679.3M	$560.4M	$492.0M	$452.4M	$422.6M	$430.1M	$392.0M	$383.2M	$368.5M	$352.0M	$336.1M	$302.4M	$290.5M	$255.1M	$241.5M
YoY Change	26.19%	3.27%	48.59%	11.31%	8.31%	11.15%	4.2%	5.56%	27.45%	21.23%	8.33%	6.85%	-1.23%	-8.57%	-3.18%	7.9%	0.27%	0.35%	2.36%	4.38%	25.5%	13.37%	4.51%	4.99%	26.22%	16.93%	21.22%	13.9%	8.75%	7.05%	-1.74%	9.72%	2.3%	3.99%	4.69%	4.73%	11.14%	4.1%	13.88%	5.63%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Basic Shares Outstanding	32.53M shares	27.91M shares	21.82M shares	19.72M shares	20.12M shares	18.99M shares	18.05M shares	18.01M shares	17.56M shares	12.18M shares	10.58M shares	10.53M shares	10.48M shares	10.42M shares	10.36M shares
Diluted Shares Outstanding	32.76M shares	28.00M shares	21.96M shares	19.84M shares	20.27M shares	19.12M shares	18.21M shares	18.16M shares	17.69M shares	12.31M shares	10.68M shares	10.53M shares	10.48M shares	10.43M shares	10.37M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Dividends

Stock Price

Market Cap: $1.0961 Billion

About Peoples Bancorp Inc

Peoples Bancorp, Inc. operates as a financial holding company, which engages in banking, investment, insurance, and trust solutions. The company is headquartered in Marietta, Ohio and currently employs 1,498 full-time employees. The firm provides a complete line of commercial and consumer banking, trust and investment, insurance, premium financing solutions, equipment leases and equipment financing agreements through its financial subsidiaries - Peoples Bank, Peoples Insurance and Vantage. These products and services include various demand deposit accounts, savings accounts, money market accounts, certificates of deposit and governmental deposits; home equity lines of credit, insurance premium financing; commercial equipment leasing; technology equipment leasing, and debit and automated teller machine (ATM) cards. Its financial products and services are offered through its financial service offices, ATMs, and interactive teller machines as well as through online resources that are Web-based and mobile-based. The company has approximately 133 full-service bank branches in Ohio, Kentucky, West Virginia, Virginia, Washington D.C. and Maryland.

Industry: State Commercial Banks Peers: Allegiance Bancshares, Inc. Amerant Bancorp Inc Byline Bancorp Inc Stellar Bancorp Inc Horizon Bancorp Inc QCR Holdings Inc PNC Financial Services Group Inc Washington Trust Bancorp Inc