Peoples Bancorp Inc.

NASDAQ•PEBO

CEO: Mr. Tyler J. Wilcox

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1993-02-10

Peoples Bancorp Inc. operates as the 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 telephone, mobile, and online banking services. In addition, the company provides various life, health, and property and casualty insurance products; third-party insurance administration; interactive teller machines; insurance premium financing; check deposit and alert notification; commercial and technology equipment leasing; fiduciary and trust; underwriting, origination, and servicing of equipment leases, and equipment financing agreements; and asset management and administration services, as well as employee benefit, retirement, and health care plan administration services. Further, it offers brokerage services through an unaffiliated registered broker-dealers; insurance premium finance lending and leasing; and credit cards to individuals and businesses, as well as provides merchant credit card transaction processing, and person-to-person payment processing services. Peoples Bancorp Inc. was founded in 1902 and is headquartered in Marietta, Ohio.

Contact Information

138 Putnam Street, PO Box 738, Marietta, OH, 45750-0738, United States

740-373-3155

www.peoplesbancorp.com

Market Cap

$1.23B

P/E (TTM)

11.3

15.4

Dividend Yield

4.8%

52W High

$34.89

52W Low

$26.40

52W Range

93%

Rank36Top 31.8%

4.5

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.5 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$156.82M-0.07%

4-Quarter Trend

EPS

$0.90+16.88%

4-Quarter Trend

FCF

$28.36M-100.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

NII Rises, NIM Compresses Net Interest Income grew 2% to $355.2M; however, NIM fell 7 basis points to 4.14% due to reduced accretion income from acquisitions.

Asset Quality Pressured by Leases Provision for credit losses increased to $42.2M; net charge-offs rose to 0.45% of average loans, primarily driven by small-ticket leasing segment deterioration.

Capital Ratios Remain Strong CET1 ratio improved to 12.29% at year-end 2025, significantly exceeding minimum regulatory requirements, reflecting strong capital retention.

Loan Portfolio Expanded Eight Percent Total net loans grew to $6.68B, an 8% increase year-over-year, supported by strong organic growth in commercial real estate and C&I lending.

Risk Factors

Credit Quality Deterioration Continues Higher net charge-offs (0.45%) driven by leasing portfolio stress; allowance for credit losses increased to 1.12% of total loans.

Interest Rate Risk Exposure NIM compression risk remains as profitability depends on managing funding costs against earning asset yields in uncertain rate environment.

Operational Risks Remain Elevated Significant exposure exists due to reliance on complex automated systems and constant threat of sophisticated cybersecurity attacks and vendor failures.

Economic Uncertainty Pressures Borrowers Inflation, high interest rates, and geopolitical instability could negatively affect customer repayment ability and collateral values across the portfolio.

Outlook

NIM Outlook Includes Rate Cuts Expect 2026 NIM between 4.00% and 4.20%, anticipating one 25 basis point market interest rate cut by the Federal Reserve.

Credit Costs Expected to Moderate Expect elevated small-ticket lease charge-offs in H1 2026, tapering later, leading to a lower overall provision for credit losses for the year.

Moderate Loan Growth Projected Peoples projects loan growth for 2026 to be between 3% and 5%, with deposit growth expected to be slightly slower than loan growth.

Continued Expense Management Focus Total non-interest expenses are projected to be relatively similar to 2025 levels for most quarters in 2026, excluding Q1 annual expenses.

Peer Comparison

Revenue (TTM)

TCBI

$2.00B

+13.5%

OCFC

$660.40M

-4.0%

OBK

$598.60M

-2.9%

Gross Margin (Latest Quarter)

WABC

94.8%

-0.5pp

TMP

85.5%

+0.0pp

OSBC

83.2%

+3.3pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
TCBI	$4.46B	13.7	9.3%	3.0%
OBK	$1.39B	18.3	6.2%	0.4%
WABC	$1.31B	11.5	12.5%	2.7%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

1.8%

Moderate Growth

4Q Net Income CAGR

9.3%

Profitability Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 20, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data