Peoples Bancorp Inc (NASDAQ:PEBO)
Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.
Keeps a healthy share of every dollar it sells.
- Revenue
- $621.1M
- Net income
- $122.4M
- Net margin
- 19.7%
Heavily indebted for what it earns.
- Total debt
- $859.2M
- Cash
- $300.8M
- Net debt / EBITDA
- 3.50x
Owes more within a year than it holds to pay it.
- Current assets
- $1.99B
- Current liabilities
- $8.15B
- Current ratio
- 0.24
The business funds itself from operations.
- Operating cash flow
- $140.3M
- Free cash flow
- $131.7M
- FCF margin
- 21.2%
Not funding itself by issuing shares.
- Shares outstanding
- 35.2M
- Share growth (1y)
- 0.6%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
PEBO Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 154.14 M | 155.07 M | 155.07 M | 156.82 M | 136.66 M | 150.34 M |
| Revenue Growth (YoY) | 12.78 % | 3.15 % | 4.18 % | -0.07 % | -12.50 % | -1.05 % |
| Cost of Revenue | 38.22 M | 46.09 M | 46.09 M | 47.55 M | 48.74 M | 55.47 M |
| Gross Profit | 115.92 M | 108.98 M | 108.98 M | 109.27 M | 87.93 M | 94.86 M |
| SG&A Expense | 48.38 M | 47.86 M | 47.86 M | 47.05 M | 47.29 M | 4.33 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 74.54 M | 71.64 M | 71.64 M | 71.29 M | 69.89 M | 67.41 M |
| Operating Income | 41.38 M | 37.34 M | 37.34 M | 37.98 M | 18.03 M | 27.45 M |
| Pretax Income | 41.38 M | 37.34 M | 37.34 M | 37.98 M | 38.00 M | 27.45 M |
| Tax Provision | 8.77 M | 8.34 M | 8.34 M | 6.22 M | 8.53 M | 6.24 M |
| Net Income | 32.61 M | 29.01 M | 29.01 M | 31.75 M | 29.48 M | 21.21 M |
| EPS (Basic) | 0.92 | 0.79 | 0.82 | 0.90 | 0.83 | 0.60 |
| EPS (Diluted) | 0.91 | 0.78 | 0.81 | 0.89 | 0.83 | 0.59 |
| Shares Outstanding | 35.20 M | 35.14 M | 35.11 M | 35.03 M | 35.00 M | 34.93 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.