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PEOPLES BANCORP INC

PEBO Clue Score64
United States Fiscal year ends December CIK 0000318300
$35.80 -1.40% Close, 9 Oct 2026
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Price $35.80 +10.94% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Operating income45.3Net income31.2EPS, diluted1.71Fiscal year 2017Operating income57.2Net income38.5 +23.5%EPS, diluted2.10 +22.8%Fiscal year 2018Revenue50.3Operating income54.9Net income46.3 +20.2%EPS, diluted2.41 +14.8%Fiscal year 2019Revenue56.3 +12.0%Operating income65.4Net income53.7 +16.1%EPS, diluted2.63 +9.1%Fiscal year 2020Revenue53.9 −4.2%Operating income42.6Net income34.8 −35.3%EPS, diluted1.73 −34.2%Fiscal year 2021Revenue61.4 +13.8%Operating income57.0Net income47.6 +36.8%EPS, diluted2.15 +24.3%Fiscal year 2022Revenue70.0 +14.0%Operating income128.6Net income101.3 +113.0%EPS, diluted3.60 +67.4%Fiscal year 2023Revenue79.5 +13.6%Operating income145.1Net income113.4 +11.9%EPS, diluted3.44 −4.4%Fiscal year 2024Revenue84.8 +6.6%Operating income149.5Net income117.2 +3.4%EPS, diluted3.31 −3.8%Fiscal year 2025Revenue86.7 +2.3%Operating income134.8Net income106.8 −8.9%EPS, diluted2.99 −9.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a 50.3 56.3 53.9 61.4 70.0 79.5 84.8 86.7
Growth +12.0% −4.2% +13.8% +14.0% +13.6% +6.6% +2.3%
Operating income 45.3 57.2 54.9 65.4 42.6 57.0 128.6 145.1 149.5 134.8
Net income 31.2 38.5 46.3 53.7 34.8 47.6 101.3 113.4 117.2 106.8
Growth +23.5% +20.2% +16.1% −35.3% +36.8% +113.0% +11.9% +3.4% −8.9%
EPS, diluted 1.71 2.10 2.41 2.63 1.73 2.15 3.60 3.44 3.31 2.99
Growth +22.8% +14.8% +9.1% −34.2% +24.3% +67.4% −4.4% −3.8% −9.7%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Operating margin109.3%Net margin92.0%Free cash flow margin140.7%Fiscal year 2019Operating margin116.1%Net margin95.4%Free cash flow margin114.3%Fiscal year 2020Operating margin79.1%Net margin64.5%Free cash flow margin150.5%Fiscal year 2021Operating margin92.8%Net margin77.5%Free cash flow margin244.0%Fiscal year 2022Operating margin183.9%Net margin144.8%Free cash flow margin161.7%Fiscal year 2023Operating margin182.5%Net margin142.6%Free cash flow margin163.8%Fiscal year 2024Operating margin176.3%Net margin138.3%Free cash flow margin160.9%Fiscal year 2025Operating margin155.4%Net margin123.1%Free cash flow margin148.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin n/a n/a 109.3% 116.1% 79.1% 92.8% 183.9% 182.5% 176.3% 155.4%
Net margin n/a n/a 92.0% 95.4% 64.5% 77.5% 144.8% 142.6% 138.3% 123.1%
Free cash flow margin n/a n/a 140.7% 114.3% 150.5% 244.0% 161.7% 163.8% 160.9% 148.4%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow60.7Capital expenditure−5.4Free cash flow55.2Buybacks−5.0Dividends paid−11.2Fiscal year 2017Operating cash flow61.0Capital expenditure−4.9Free cash flow56.2 +1.7%Buybacks0.0Dividends paid−14.7Fiscal year 2018Operating cash flow75.2Capital expenditure−4.5Free cash flow70.7 +25.9%Buybacks0.0Dividends paid−20.9Fiscal year 2019Operating cash flow67.2Capital expenditure−2.8Free cash flow64.3 −9.0%Buybacks−0.8Dividends paid−25.9Fiscal year 2020Operating cash flow85.5Capital expenditure−4.3Free cash flow81.2 +26.2%Buybacks−29.3Dividends paid−27.1Fiscal year 2021Operating cash flow156.4Capital expenditure−6.7Free cash flow149.7 +84.4%Buybacks0.0Dividends paid−31.0Fiscal year 2022Operating cash flow119.8Capital expenditure−6.8Free cash flow113.1 −24.5%Buybacks−7.4Dividends paid−42.4Fiscal year 2023Operating cash flow143.6Capital expenditure−13.5Free cash flow130.2 +15.1%Buybacks−3.0Dividends paid−52.1Fiscal year 2024Operating cash flow143.2Capital expenditure−6.8Free cash flow136.4 +4.7%Buybacks−3.0Dividends paid−56.3Fiscal year 2025Operating cash flow134.7Capital expenditure−6.0Free cash flow128.7 −5.6%Buybacks−0.8Dividends paid−58.1
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 60.7 61.0 75.2 67.2 85.5 156.4 119.8 143.6 143.2 134.7
Capital expenditure −5.4 −4.9 −4.5 −2.8 −4.3 −6.7 −6.8 −13.5 −6.8 −6.0
Free cash flow 55.2 56.2 70.7 64.3 81.2 149.7 113.1 130.2 136.4 128.7
Growth +1.7% +25.9% −9.0% +26.2% +84.4% −24.5% +15.1% +4.7% −5.6%
Buybacks −5.0 0.0 0.0 −0.8 −29.3 0.0 −7.4 −3.0 −3.0 −0.8
Dividends paid −11.2 −14.7 −20.9 −25.9 −27.1 −31.0 −42.4 −52.1 −56.3 −58.1

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash66.1Total debt145.2Net cash (debt)−79.0Shareholders’ equity435.3Debt to equity0.33Fiscal year 2017Cash72.2Total debt144.0Net cash (debt)−71.8Shareholders’ equity458.6Debt to equity0.31Fiscal year 2018Cash77.6Total debt109.6Net cash (debt)−32.0Shareholders’ equity520.1Debt to equity0.21Fiscal year 2019Cash115.2Total debt83.1Net cash (debt)32.1Shareholders’ equity594.4Debt to equity0.14Fiscal year 2020Cash152.1Total debt110.6Net cash (debt)41.5Shareholders’ equity575.7Debt to equity0.19Fiscal year 2021Cash415.7Total debt99.5Net cash (debt)316.3Shareholders’ equity845.0Debt to equity0.12Fiscal year 2022Cash154.0Total debt101.1Net cash (debt)52.9Shareholders’ equity785.3Debt to equity0.13Fiscal year 2023Cash426.7Total debt216.2Net cash (debt)210.5Shareholders’ equity1,053.5Debt to equity0.21Fiscal year 2024Cash217.7Total debt238.1Net cash (debt)−20.4Shareholders’ equity1,111.6Debt to equity0.21Fiscal year 2025Cash189.0Total debt204.1Net cash (debt)−15.2Shareholders’ equity1,206.6Debt to equity0.17
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 66.1 72.2 77.6 115.2 152.1 415.7 154.0 426.7 217.7 189.0
Total debt 145.2 144.0 109.6 83.1 110.6 99.5 101.1 216.2 238.1 204.1
Net cash (debt) −79.0 −71.8 −32.0 32.1 41.5 316.3 52.9 210.5 −20.4 −15.2
Shareholders’ equity 435.3 458.6 520.1 594.4 575.7 845.0 785.3 1,053.5 1,111.6 1,206.6
Debt to equity 0.33 0.31 0.21 0.14 0.19 0.12 0.13 0.21 0.21 0.17

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
n/a n/a 50.3 56.3 53.9 61.4 70.0 79.5 84.8 86.7
Growth +12.0% −4.2% +13.8% +14.0% +13.6% +6.6% +2.3%
45.3 57.2 54.9 65.4 42.6 57.0 128.6 145.1 149.5 134.8
Growth +26.3% −4.0% +19.0% −34.8% +33.6% +125.8% +12.8% +3.0% −9.8%
14.1 18.7 8.7 11.7 7.9 9.4 27.3 31.8 32.3 28.0
31.2 38.5 46.3 53.7 34.8 47.6 101.3 113.4 117.2 106.8
Growth +23.5% +20.2% +16.1% −35.3% +36.8% +113.0% +11.9% +3.4% −8.9%
Per share
1.72 2.12 2.42 2.65 1.74 2.17 3.61 3.46 3.34 3.03
1.71 2.10 2.41 2.63 1.73 2.15 3.60 3.44 3.31 2.99
Growth +22.8% +14.8% +9.1% −34.2% +24.3% +67.4% −4.4% −3.8% −9.7%
18.0 18.1 19.0 20.1 19.7 21.8 27.9 32.5 34.8 35.0
18.2 18.2 19.1 20.3 19.8 22.0 28.0 32.8 35.1 35.4
Growth +0.3% +5.0% +6.0% −2.1% +10.7% +27.5% +17.0% +7.3% +0.6%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 10.0% a year over five years, and earnings per share grew 11.6% a year.
  • The diluted share count rose 78.2% in five years, which is dilution.
  • Operating margin is up 76.4 points on five years ago, at 155.4%.
  • Profitable in every one of the 10 years on file.