PEBO
Financial ServicesPeoples Bancorp Inc. · Banks - Regional · $1B
What is Peoples Bancorp Inc.?
Peoples Bancorp Inc. is the holding company for Peoples Bank, a regional financial institution serving commercial and retail customers across its branch network. Founded in 1993 and headquartered in Marietta, Ohio, the bank offers a broad range of deposit, lending, and financial services.
Peoples Bank generates revenue through traditional banking activities — accepting deposits and extending loans across commercial, real estate, and consumer segments. Beyond core banking, the company earns fee income from insurance products, equipment leasing, trust and fiduciary services, asset management, and brokerage referrals. This diversified revenue mix positions Peoples Bancorp as more than a plain-vanilla community bank, though its scale remains firmly in the small-cap regional tier.
Peoples Bancorp was founded in 1993 and is headquartered in Marietta, Ohio.
- Commercial and retail deposit accounts
- Commercial real estate and industrial lending
- Insurance products and premium financing
- Equipment leasing and financing services
- Trust, fiduciary, and asset management services
Is PEBO a Good Stock to Buy?
UQS Score rates PEBO as Below Average overall, reflecting meaningful headwinds across several key pillars.
The Quality pillar stands out as the relative bright spot within PEBO's profile, suggesting the bank maintains reasonable operational discipline. The Valuation pillar is rated Attractive, meaning the stock does not appear expensive relative to its fundamentals — a potential point of interest for value-oriented investors.
The Moat, Growth, and Risk pillars all register as Weak, indicating limited competitive differentiation, constrained expansion prospects, and above-average risk factors that weigh on the overall score.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does PEBO pay dividends?
Yes — Peoples Bancorp Inc. pays a dividend.
Peoples Bancorp pays a regular dividend, consistent with the income-oriented tradition of many community and regional banks. For investors seeking steady cash distributions, PEBO's dividend history reflects a management team willing to return capital to shareholders. The bank's ability to sustain payouts depends on continued earnings stability across its lending and fee-based businesses.
When does PEBO report earnings?
Peoples Bancorp reports earnings on a quarterly cadence, typical for US-listed financial institutions.
The bank's earnings trajectory reflects the pressures common to small regional lenders — including net interest margin sensitivity and credit quality management. Fee income from insurance, leasing, and trust services provides some buffer against pure rate-driven volatility.
For the most recent quarter's results and guidance commentary, visit Peoples Bancorp's investor relations page directly.
PEBO Price History
+35.7% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Peoples Bancorp Inc.?
Based on Peoples Bancorp Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
PEBO Long-term Outlook
With Growth and Risk both rated Weak, the fundamental outlook for PEBO carries notable uncertainty. Regional banks of this size face ongoing pressure from larger competitors, rising credit costs, and limited pricing power. The Attractive Valuation label suggests the market may already be pricing in these challenges, which could limit downside — but meaningful re-rating would likely require improvement in growth or risk metrics.
Growth drivers
- Expansion of fee-based services including insurance and equipment leasing
- Potential benefit from regional loan demand in core Ohio markets
- Diversified revenue streams reducing reliance on net interest income alone
Key risks
- Weak Moat rating signals limited ability to defend market share against larger banks
- Elevated Risk pillar reflects credit quality and interest rate sensitivity concerns
- Small-cap scale constrains technology investment and operational efficiency gains
PEBO vs Peers
Peoples Bancorp competes within the regional and community banking space alongside several similarly sized institutions.
Tompkins operates primarily in New York and Pennsylvania, offering a comparable community banking model with a different geographic footprint than PEBO.
Community Trust focuses on Kentucky and surrounding Appalachian markets, making it a close regional peer in terms of customer base and loan mix.
AGI Inc represents an alternative competitive reference point within the broader financial services landscape for investors benchmarking PEBO.
Frequently Asked Questions
What does Peoples Bancorp do?
Peoples Bancorp is the holding company for Peoples Bank, which provides commercial and retail banking, insurance, equipment leasing, trust services, and asset management. The bank serves individuals and businesses primarily through its branch network and digital banking channels.
Does PEBO pay dividends?
Yes, Peoples Bancorp pays a regular dividend. This is consistent with the income-return tradition of regional banks. Investors should review the company's investor relations page for the current dividend rate and payment schedule.
When does PEBO report earnings?
Peoples Bancorp reports on a quarterly cadence, as is standard for US-listed banks. For exact upcoming dates, check the company's investor relations page or your brokerage's earnings calendar.
Is PEBO a good stock to buy?
UQS Score rates PEBO as Below Average overall. While the Valuation pillar is Attractive and Quality is rated Good, the Moat, Growth, and Risk pillars are all Weak. Whether it suits your portfolio depends on your risk tolerance and investment goals — view the full breakdown on UQS Pro.
Is PEBO overvalued?
The UQS Valuation pillar for PEBO is rated Attractive, suggesting the stock is not considered expensive relative to its fundamentals. This does not guarantee upside, but it indicates the market appears to be pricing in existing challenges.
How does PEBO compare to its competitors?
PEBO competes with regional peers like Tompkins Financial and Community Trust Bancorp. All operate in the community banking space with similar business models. UQS Pro provides side-by-side pillar comparisons to help you evaluate relative quality across these names.
What is PEBO's market cap bracket?
Peoples Bancorp is classified as a small-cap company. This places it in the tier of regional banks with more limited scale than large national institutions, which affects both competitive positioning and liquidity for investors.
Who founded Peoples Bancorp?
Peoples Bancorp was established in 1993. For detailed founding history and leadership background, the company's official website and investor relations materials provide the most accurate information.
Is PEBO a long-term quality investment?
As a long-term quality indicator, PEBO's Below Average UQS Score — driven by Weak ratings in Moat, Growth, and Risk — raises questions about durable competitive advantage and earnings trajectory. The Good Quality rating offers some reassurance, but long-term investors should weigh these factors carefully.
What is the main competitive advantage of Peoples Bancorp?
Peoples Bancorp's diversified revenue mix — spanning traditional lending, insurance, equipment leasing, and trust services — provides some differentiation from pure-play community banks. However, the UQS Moat pillar is rated Weak, suggesting this advantage is not yet strongly entrenched.
What sector does PEBO belong to?
PEBO operates in the Financial Services sector, specifically within regional and community banking. This sector is sensitive to interest rate cycles, credit conditions, and regulatory requirements, all of which influence the bank's earnings profile.
Is PEBO a growth stock or value stock?
Based on UQS pillar labels, PEBO leans toward value territory — the Valuation pillar is Attractive while the Growth pillar is Weak. This profile may appeal to income and value investors rather than those seeking high-growth exposure.
Unlock Full PEBO Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓View exact scores across all five UQS pillars
- ✓Access complete financial metrics and trend data
- ✓Compare PEBO side-by-side with regional bank peers
- ✓Screen for Attractive-valuation banks across the sector
- ✓Get the full analyst-style quality breakdown in one view
Pro Analysis
PEBO — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 24, 2026 | 46.3 | 67.9 | 23.0 | 28.1 | 30.6 | 88.9 | +0.1 |
| May 23, 2026 | 46.2 | 67.9 | 23.0 | 28.1 | 30.6 | 88.7 | -0.1 |
| May 14, 2026 | 46.3 | 67.9 | 23.0 | 28.1 | 30.6 | 88.9 | -0.1 |
| May 12, 2026 | 46.4 | 67.9 | 23.0 | 28.1 | 30.6 | 89.4 | 0.0 |
| May 7, 2026 | 46.4 | 66.5 | 23.0 | 27.8 | 34.7 | 88.2 | +0.1 |
| May 1, 2026 | 46.3 | 66.5 | 23.0 | 27.8 | 34.7 | 87.7 | +0.1 |
| Apr 24, 2026 | 46.2 | 66.5 | 23.0 | 27.3 | 34.7 | 87.7 | +0.1 |
| Apr 23, 2026 | 46.1 | 66.5 | 23.0 | 26.7 | 34.7 | 87.7 | +0.7 |
| Apr 18, 2026 | 45.4 | 66.5 | 23.0 | 23.5 | 34.7 | 87.6 | -1.9 |
| Apr 12, 2026 | 47.3 | 66.5 | 23.0 | 23.5 | 34.7 | 99.8 | 0.0 |
PEBO — Pillar Breakdown
Quality
— 67.9/100 (25%)Peoples Bancorp Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 28.1/100 (20%)Peoples Bancorp Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 30.6/100 (15%)Peoples Bancorp Inc. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 88.8/100 (15%)Peoples Bancorp Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 23/100 (25%)Peoples Bancorp Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for PEBO.
Score Composition
Financial Data
More Stock Analysis
How is the PEBO UQS Score Calculated?
The UQS (Unified Quality Score) for Peoples Bancorp Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Peoples Bancorp Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Peoples Bancorp Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.