US · PEBO
Peoples Bancorp Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Marietta, OH 45750-0738
- Website
- peoplesbancorp.com
Price · as of 2025-12-31
$34.63
Market cap 1.15B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $57.84 | +67.02% |
| Intrinsic Value(DCF) | $30.90 | -10.77% |
| Graham-Dodd Method(GD) | $39.38 | +13.72% |
| Graham Formula(GF) | $25.99 | -24.95% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $8.85 | $23.22 | $18.93 | $12.36 | $0.00 |
| 2012 | $11.76 | $44.44 | $48.48 | $18.23 | $13.52 |
| 2013 | $15.36 | $33.22 | $48.82 | $14.90 | $11.28 |
| 2014 | $14.52 | $40.47 | $47.91 | $18.34 | $30.52 |
| 2015 | $12.20 | $30.40 | $39.78 | $10.87 | $23.07 |
| 2016 | $21.02 | $20.13 | $54.21 | $16.14 | $25.31 |
| 2017 | $24.73 | $33.02 | $46.30 | $16.47 | $36.09 |
| 2018 | $22.00 | $27.13 | $42.05 | $15.12 | $54.28 |
| 2019 | $20.12 | $33.17 | $46.42 | $15.29 | $53.86 |
| 2020 | $28.01 | $17.13 | $42.46 | $8.74 | $3.54 |
| 2021 | $25.93 | $18.56 | $55.98 | $16.21 | $48.16 |
| 2022 | $23.87 | $45.88 | $47.24 | $13.04 | $164.91 |
| 2023 | $25.62 | $46.10 | $64.18 | $14.77 | $207.65 |
| 2024 | $28.86 | $31.95 | $213.95 | $14.29 | $84.78 |
| 2025 | $32.79 | $57.84 | $124.64 | $39.38 | $25.99 |
AI valuation
Our deep-learning model estimates Peoples Bancorp Inc.'s (PEBO) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $57.84
- Current price
- $34.63
- AI upside
- +67.02%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$30.90
-10.77% upside
Graham-Dodd
$39.38
+13.72% upside
Graham Formula
$25.99
-24.95% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PEBO | Peoples Bancorp Inc. | $34.63 | 1.15B | +67% | -11% | +14% | -25% | 10.74 | 0.95 | 1.85 | 12.55 | — | 1.41 | 67.46% | 21.80% | 17.27% | 9.21% | 10.71% | 1.13% | 0.61 | 0.85 | 0.84 | 0.84 | 4.05 | -967.00% | 40.00% | -120.00% | 11.75% | 0.02 | 13.51% | 0.00% | 0.00% | 0.00% | 12.55 | 12.56 | 2.74 | 0.10 |
| BHRB | Burke & Herbert Financial… | $64.44 | 968.44M | -46% | +962% | +44% | +271% | 8.45 | 1.16 | 2.02 | -0.97 | 3.65 | 1.27 | 69.33% | 29.51% | 23.89% | 14.81% | 50.78% | 1.49% | 0.63 | 0.97 | 3.79 | 3.79 | 3.34 | 23120.00% | 2373.00% | -2298.00% | 6.31% | 0.14 | 27.08% | 0.00% | 0.00% | 0.00% | -0.97 | -2.26 | -0.29 | 0.49 |
| FMBH | First Mid Bancshares, Inc… | $41.01 | 983.97M | -29% | -6% | -17% | +14% | 10.80 | 1.03 | 2.13 | 1.72 | 67.24 | 1.40 | 72.80% | 25.12% | 19.69% | 10.17% | 45.82% | 1.18% | 0.57 | 1.00 | 0.28 | 0.28 | 2.53 | 1606.00% | 419.00% | -4701.00% | 6.39% | 0.01 | 31.62% | 2.36% | 25.50% | 17.74% | 1.72 | 3.18 | 0.43 | -0.33 |
| FSUN | FirstSun Capital Bancorp | $36.47 | 1.02B | +20% | +24% | +33% | +44% | 14.20 | 1.03 | 1.99 | 5.40 | — | 1.25 | 64.79% | 17.61% | 14.00% | 7.88% | 16.21% | 0.95% | 0.11 | 0.58 | 0.10 | 0.10 | -4.76 | -3407.00% | 1131.00% | -2084.00% | 8.91% | 0.02 | 20.52% | 0.00% | 0.00% | 50.05% | 5.98 | 5.94 | 1.05 | -0.61 |
| OBK | Origin Bancorp, Inc. | $41.60 | 1.29B | -37% | 0% | -19% | -69% | 17.32 | 1.04 | 2.18 | 10.88 | — | 1.20 | 58.22% | 16.50% | 12.56% | 6.29% | 16.83% | 0.78% | 0.03 | 0.48 | 0.05 | 0.05 | -0.33 | -204.00% | -295.00% | 1450.00% | 7.60% | 0.05 | 21.45% | 2.32% | 40.20% | 3.54% | 12.48 | 12.46 | 2.06 | 0.04 |
| OCFC | OceanFirst Financial Corp… | $18.06 | 1.04B | +134% | +26% | -25% | -76% | 15.02 | 0.64 | 1.63 | 15.21 | — | 0.94 | 54.48% | 14.11% | 10.83% | 4.22% | 3.54% | 0.51% | 1.03 | 0.33 | 3.86 | 3.86 | 16.99 | -2909.00% | -470.00% | -1028.00% | 7.12% | 0.02 | 3.79% | 4.52% | 67.90% | 4.52% | 15.21 | 18.52 | 2.15 | 0.87 |
| OSBC | Old Second Bancorp, Inc. | $19.63 | 1.03B | +16% | +209% | +13% | +97% | 13.06 | 1.17 | 2.64 | 9.86 | — | 1.41 | 78.14% | 27.90% | 20.23% | 10.24% | 27.92% | 1.28% | 0.38 | 1.78 | 0.10 | 0.10 | 1.78 | -1337.00% | 1809.00% | 126.00% | 11.66% | 0.06 | 41.36% | 0.00% | 0.00% | 0.00% | 10.76 | 9.74 | 3.00 | 0.01 |
| PFBC | Preferred Bank | $87.72 | 1.07B | +27% | +45% | +32% | -50% | 8.42 | 1.43 | 2.26 | 3.79 | 106.97 | 1.43 | 54.97% | 37.98% | 26.78% | 17.21% | 49.09% | 1.84% | 0.53 | 0.88 | 0.29 | 0.29 | -2.52 | 788.00% | -411.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.79 | — | 1.44 | 0.07 |
| RBCAA | Republic Bancorp, Inc. | $69.00 | 1.2B | +52% | +11% | +26% | +19% | 10.49 | 1.25 | 2.64 | 5.40 | 37.49 | 1.30 | 74.02% | 31.79% | 25.19% | 12.54% | 19.16% | 1.89% | 0.57 | 1.60 | 14.82 | 14.82 | 2.46 | 2799.00% | 431.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 5.40 | — | 1.72 | 0.50 |
| TCBI | Texas Capital Bancshares,… | $95.30 | 4.35B | -29% | +12% | +17% | +63% | 13.14 | 1.20 | 2.17 | -2.77 | 3.05 | 1.20 | 60.62% | 22.20% | 16.52% | 9.44% | -136.18% | 1.06% | 0.26 | 0.60 | 0.16 | 0.28 | -1.97 | 43125.00% | 1354.00% | -1650.00% | 8.01% | 0.01 | -139.78% | 0.40% | 5.20% | 4.68% | -3.00 | -3.83 | -0.67 | -0.52 |
About Peoples Bancorp Inc.
Peoples Bancorp Inc. operates as the holding company for Peoples Bank that provides commercial and retail banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; 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 Internet-based banking services. In addition, the company provides various life, health, and property and casualty insurance products; third-party insurance administration; insurance premium financing; 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 lease financing services; and credit cards to individuals and businesses, as well as provides merchant credit card transaction processing, and person-to-person payment processing services. The company operates through 135 financial service offices and ATMs, including 119 full-service branches in Ohio, West Virginia, Kentucky, Virginia, Washington, D.C., and Maryland. Peoples Bancorp Inc. was founded in 1902 and is based in Marietta, Ohio.
- CEO
- Tyler J. Wilcox
- Employees
- 1.46K
- Beta
- 0.66
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($30.90 ÷ $34.63) − 1 = -10.77% (DCF, example).