Company Analysis

Peoples Bancorp Inc. (PEBO)

Nasdaq: PEBO · State Commercial Banks · Marietta, OH · filing with the SEC since 1994
Grade5.0
◀ Past 5.9● Present 5.3▶ Future 3.1

The grade of Peoples Bancorp Inc.

Nine metrics read from its own filings, by tense
Headline grade
5.0/10
◀ Past5.940% of the headline
● Present5.335% of the headline
▶ Future3.125% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

5.9/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.8/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 78th percentile among 165 sector filers · read for itself

From the record

Peoples Bancorp Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
4.9/10

What has it actually done, year after year?

+18.1% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 49th percentile among 152 sector filers · read for its customers

From the record

Peoples Bancorp Inc.'s 10 filed years say what it did: revenue went from $115 million in fiscal 2016 to $514 million in fiscal 2025, up 18.1% a year; it rose in 7 of 9 years; the deepest fall was 8% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span18.1%top 26% of its family
  • the share of years revenue rosebottom 29% of its family
  • the share of filed years with a profittop 44% of its family
  • the deepest fall from a revenue peak7.6%bottom 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
3.8/10

How has it treated the people who own it?

Share count grew 8.1% a year. 41% of cash flow returned. Insiders: 10 sales, 9 purchases.

weight 33% of this tense · 38th percentile among 157 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Peoples Bancorp Inc.'s diluted share count grew about 8.1% a year, and dividends and buybacks returned about 41% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 10 sales (3 under scheduled 10b5-1 plans) and 9 purchases of their own stock on the open market in the year to 2026-11-03, buying about $182 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 12% of its family
  • cash returned against operating cash flowtop 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.3/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
5.2/10

Is it financially healthy right now?

ROE 9%: 9¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar.

weight 45% of this tense · 52nd percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Peoples Bancorp Inc. earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 87 cents per dollar of assets, and net share issuance: its share count grew 0.6% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 25% of its family
  • return on equitybottom 38% of its family
  • the share count against the year beforebottom 44% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
6.4/10

How strong is its position in its industry?

top 36% of 155 in its family; net margin 20.8%.

weight 33% of this tense · 64th percentile among 155 sector filers · read for its customers

From the record

Peoples Bancorp Inc.'s standing among 155 graded names in its industry family: revenue of $514 million in fiscal 2025 ranks in the top 37% by size; a net margin of 20.8% ranks in the bottom 49%; revenue growth of 24% a year over the last 3 filed years ranks in the top 19% (its annual reports).

What it rests on

  • revenue against the family$514Mtop 37% of its family
  • net margin20.8%bottom 49% of its family
  • three-year revenue growth24.0%top 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
3.7/10

What are the people in charge doing?

bottom 37% of 150 in its family for leadership; chief executive since 2024.

weight 22% of this tense · 37th percentile among 150 sector filers · read for its shareholders

From the record

Peoples Bancorp Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Wilcox, Tyler J (Chief Executive Officer, as filed), filing under that title since 2024-04-03, 2.6 years (bottom 16% of its family); the 20 officers and directors filing in the last fifteen months have been on the record a median of 6.1 years (bottom 34%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 20 people in charge now (top 38%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge5 in three years among 20 peopletop 38% of its family
  • the median years the people in charge have filed6.1 yearsbottom 34% of its family
  • the chief executive's years on the record2.6 yearsbottom 16% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

3.1/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
3.3/10

How much room does it have to grow?

bottom 33% of 142 in its family for room to expand.

weight 33% of this tense · 33rd percentile among 142 sector filers · read for itself

From the record

Peoples Bancorp Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $189 million against debt of $204 million leaves -0.2% of its assets as net cash, bottom 10% of its family; cash from operations less capital spending is 25% of revenue (top 43%) (its annual report).

What it rests on

  • cash less debt against assets-0.2%bottom 10% of its family
  • cash from operations less capital spending against revenue25.0%top 43% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
4.2/10

What could actually drive growth from here?

bottom 42% of 152 in its family for growth drivers.

weight 33% of this tense · 42nd percentile among 152 sector filers · read for its customers

From the record

Peoples Bancorp Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 24% a year over the last three filed years against 18.1% over all 10, speeding up (top 31% of its family); the newest year grew -1.2% (bottom 20%); capital spending grew -3.7% a year (bottom 38%) (its annual reports). Peoples Bancorp Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+6.0 points a yeartop 31% of its family
  • the newest year's revenue growth-1.2%bottom 20% of its family
  • three-year growth of capital spending-3.7%bottom 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
1.6/10

Did its newest year beat what its own record pointed to?

bottom 16% of 150 in its family for expectations against reality.

weight 33% of this tense · 16th percentile among 150 sector filers · read for its shareholders

From the record

Peoples Bancorp Inc.'s newest year against its own record: revenue of $514 million in fiscal 2025 came in 28.9% below the $724 million its prior three years' pace pointed to (bottom 7% of its family); net income of $107 million against a prior three-year average of $111 million (bottom 22%); a net margin of 20.8% against 28.6% before (bottom 19%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-28.9%bottom 7% of its family
  • net income against the prior three years' average-4%bottom 22% of its family
  • net margin against its prior average-7.9 pointsbottom 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton PEBO · research, not advice