Peoples Bancorp, Inc. Financial Ratios — PEBC Stock

Profitability (USD)

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Return on Common Equity (%)	- -	18.63	15.8	8.32	7.16	-1.45	-8.36	6.57	8.62	9.72	7.76	5	9.98	13.26	8.67
Return on Assets (%)	- -	1.71	1.55	0.84	0.75	-0.15	-0.8	0.6	0.85	1.03	0.79	0.45	0.89	1.36	1.05
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	6.16	5.18	2.83	2.94	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	55.31	58.09	49.33	30.92	28.39	-2.82	3.61	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	53.52	56.3	47.07	28.15	24.88	-6.54	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	92.59	-24.04	277.14	172.96	- -	-213.08	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	53.52	56.3	47.07	28.15	24.88	-6.54	-28.88	27.05	24.13	24.18	22.21	15.45	26.29	33.03	23.65
Profit Margin (%)	33.38	35.23	29.54	17.73	15.85	-3.29	-18.08	14.13	18.14	19.12	16.4	11.55	20.13	25.49	18.31
Net Income to Common Margin (%)	33.38	35.23	29.54	17.73	15.85	-3.29	-18.08	14.13	18.14	19.12	16.4	11.55	20.13	25.49	18.31
Effective Tax Rate (%)	37.63	37.43	37.23	37	36.32	- -	- -	47.76	24.81	20.93	26.15	25.24	23.4	22.83	22.56
Dvd Payout Ratio (%)	32.24	30.29	33.71	63.31	73.83	-375.63	-12.94	22.56	16.94	19.91	23.97	35.52	16.8	11.9	18.14
Sustainable Growth Rate (%)	- -	12.99	10.47	3.05	1.87	-6.89	-9.45	5.09	7.16	7.78	5.9	3.23	8.3	11.69	7.1

Credit (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Debt	41	44	53	43	28	24	20	- -	- -	1	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	41	44	53	43	28	24	20	- -	- -	1	- -	- -	- -	- -	- -
Total Debt/EBITDA	6.78	6.44	8.17	11.45	8.27	-75.09	50.41	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	6	5.56	7.34	10.44	3.55	-42.62	-19.19	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	7.01	6.64	8.56	12.58	9.43	-32.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	6.2	5.73	7.69	11.47	4.05	-18.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.67	9.71	9.87	10.39	10.44	10.12	8.94	9.43	10.28	10.99	9.54	8.69	9.19	11.49	12.85
Long-Term Debt/Equity (%)	172.69	170.66	189.7	151.79	96.92	87.62	80.6	- -	- -	4.52	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	66.34	65.01	67.29	62.26	51.23	49.1	46.91	- -	- -	4.52	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	17.08	18.04	20.32	17.14	10.96	9.76	7.9	- -	- -	0.52	- -	- -	- -	- -	- -
Total Debt/Equity (%)	172.69	170.66	189.7	151.79	96.92	87.62	80.6	- -	- -	4.52	- -	- -	- -	- -	- -
Total Debt/Capital (%)	66.34	65.01	67.29	62.26	51.23	49.1	46.91	- -	- -	4.52	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	17.08	18.04	20.32	17.14	10.96	9.76	7.9	- -	- -	0.52	- -	- -	- -	- -	- -
Net Debt to Equity	152.71	147.26	170.45	138.46	41.58	49.73	-30.68	-118.33	-84.82	-122.2	-321.26	-385.52	-251.38	-103.03	-111.03
Net Debt/Capital (%)	63.54	61.58	64.9	60.08	31.06	35.38	-50.67	534.5	-776.98	552.3	142.69	133.64	195.67	-981.03	13,245.74
EBITDA	6	7	7	4	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	6	6	5	3	3	-1	- -	- -	- -	-2	- -	- -	- -	-1	- -
Operating Income (Loss)	6	7	6	3	3	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.67	9.71	9.87	10.39	10.44	10.12	8.94	9.43	10.28	10.99	9.54	8.69	9.19	11.49	12.85
Long-Term Debt/Equity (%)	172.69	170.66	189.7	151.79	96.92	87.62	80.6	- -	- -	4.52	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	66.34	65.01	67.29	62.26	51.23	49.1	46.91	- -	- -	4.52	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	17.08	18.04	20.32	17.14	10.96	9.76	7.9	- -	- -	0.52	- -	- -	- -	- -	- -
Total Debt/Equity (%)	172.69	170.66	189.7	151.79	96.92	87.62	80.6	- -	- -	4.52	- -	- -	- -	- -	- -
Total Debt/Capital (%)	66.34	65.01	67.29	62.26	51.23	49.1	46.91	- -	- -	4.52	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	17.08	18.04	20.32	17.14	10.96	9.76	7.9	- -	- -	0.52	- -	- -	- -	- -	- -
CFO/Total Liabilities	1.72	1.83	1.91	1.76	1.7	1.98	1.91	0.85	1.35	1.73	0.94	0.77	0.62	1.67	1.67
CFO/CapEx	16.18	10.43	2.69	4.33	10.74	18.37	30.59	4.18	9.97	2.22	8.86	14.19	11.67	8.07	22.55
Altman's Z-Score	0.2	0.23	0.32	0.31	0.3	0.23	0.21	0.19	0.21	0.24	0.19	0.17	0.18	0.24	0.21

Working Capital (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Accounts Receivable Turnover	- -	8.61	8.1	7.18	7.87	8.07	8.98	19.75	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	42.4	45.08	50.83	46.4	45.23	40.65	18.48	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Market Capitalization	- -	- -	37	44	41	35	31	20	22	25	19	22	21	24	- -
- Cash & Cash Equivalents	5	6	5	4	16	10	28	29	22	35	97	119	67	33	40
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	41	44	53	43	28	24	20	- -	- -	1	- -	- -	- -	- -	- -
Enterprise Value	36	38	84	83	53	49	24	-9	-1	-8	-78	-98	-46	-9	-40
Total Capital	61	67	79	69	55	49	43	24	25	29	29	30	33	37	39
Total Debt/Capital (%)	66.34	65.01	67.29	62.26	51.23	49.1	46.91	- -	- -	4.52	- -	- -	- -	- -	- -
Total Debt / EV	1.13	1.16	0.63	0.52	0.52	0.49	0.84	- -	- -	-0.15	- -	- -	- -	- -	- -
EV/Sales	3.32	3.23	6.39	6.8	4.48	4.28	2.17	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	6	5.56	12.96	22	15.77	- -	60.15	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	6.2	5.73	13.59	24.16	18	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	9.74	9.51	18.92	21.11	13.83	11.24	5.48	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	9.17	8.68	13.79	17.15	12.65	10.66	5.3	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	37	44	41	35	31	20	22	25	19	22	- -	24	- -
Diluted Enterprise Value	36	38	84	83	53	49	24	-9	-1	-8	-78	-98	-67	-9	-40
EV per Share	45.61	47.79	107.26	106.14	68.52	62.25	30.62	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	11	12	13	12	12	11	11	11	12	13	13	13	16	18	18
TTM EBITDA	6	7	7	4	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	6	7	6	3	3	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	4	4	4	4	4	4	2	3	4	3	2	2	5	5
TTM Free Cash Flow to Firm	4	4	6	5	4	5	5	2	3	6	3	3	2	5	5

Multiples (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Price/Free Cash Flow	- -	- -	5.98	9.01	9.81	7.67	6.99	8.45	6.58	4.57	6.53	8.33	- -	4.56	- -
EV/EBIT	6.2	5.73	13.59	24.16	18	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	36	38	84	83	53	49	24	-9	-1	-8	-78	-98	-46	-9	-40
Low Price	- -	- -	45.21	41.26	47.41	41.48	40.38	19.2	26.56	29.5	24.51	25.8	28.6	27.1	31.01
EV/Sales	3.32	3.23	6.39	6.8	4.48	4.28	2.17	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	6	5.56	12.96	22	15.77	- -	60.15	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	9.39	20.14	21.91	- -	- -	13.23	10.2	9.87	8.59	14.6	6.67	5.33	- -
Price/Earnings Average	- -	- -	10.12	17.51	21.85	-100.7	-18.05	11.75	9.69	9.64	8.99	15.02	7.1	4.57	- -
Price/Earnings High	- -	- -	14.28	23.49	25.57	-125.21	-20.79	13.42	10.48	10.24	11.64	17.27	7.47	5.33	- -
Price/Earnings Low	- -	- -	9.12	14.91	19.55	-86.57	-15.84	9.22	9.18	8.39	8.16	12.73	6.67	4.3	- -
Price/Book Value	- -	- -	1.42	1.67	1.55	1.4	1.39	0.85	0.85	0.92	0.65	0.72	0.64	0.67	- -
Price/Book Value Average	- -	- -	1.53	1.45	1.55	1.51	1.58	0.76	0.81	0.9	0.68	0.74	0.68	0.57	- -
Price/Book Value High	- -	- -	2.15	1.94	1.81	1.88	1.82	0.86	0.87	0.96	0.88	0.85	0.72	0.67	- -
Price/Book Value Low	- -	- -	1.38	1.23	1.39	1.3	1.39	0.59	0.76	0.78	0.61	0.63	0.64	0.54	- -
Price/Tangible Book Value	- -	- -	1.34	1.57	1.47	1.3	1.3	0.83	0.82	1.02	0.71	0.78	0.89	0.83	- -
Price/Tangible Book Value Average	- -	- -	1.45	1.37	1.46	1.4	1.48	0.74	0.78	1	0.74	0.81	0.95	0.72	- -
Price/Tangible Book Value High	- -	- -	2.04	1.83	1.71	1.75	1.7	0.84	0.84	1.06	0.96	0.93	1	0.83	- -
Price/Tangible Book Value Low	- -	- -	1.3	1.16	1.31	1.21	1.3	0.58	0.74	0.87	0.67	0.68	0.89	0.67	- -
Price/Sales	- -	- -	2.77	3.57	3.47	3.08	2.86	1.87	1.85	1.89	1.41	1.69	1.34	1.36	- -
Price/Sales Average	- -	- -	2.99	3.11	3.46	3.32	3.26	1.66	1.76	1.84	1.47	1.73	1.43	1.17	- -
Price/Sales High	- -	- -	4.22	4.17	4.05	4.12	3.76	1.9	1.9	1.96	1.91	1.99	1.5	1.36	- -
Price/Sales Low	- -	- -	2.7	2.64	3.1	2.85	2.86	1.3	1.67	1.6	1.34	1.47	1.34	1.1	- -
Price/Cash Flow	- -	- -	8.21	11.09	10.72	8.08	7.22	10.47	7.24	6.63	7.26	8.92	10.3	5.13	- -
Price/Cash Flow Average	- -	- -	8.85	9.64	10.69	8.71	8.23	9.3	6.88	6.48	7.6	9.17	10.96	4.4	- -
Price/Cash Flow High	- -	- -	12.48	12.93	12.51	10.83	9.48	10.62	7.43	6.88	9.84	10.54	11.52	5.13	- -
Price/Cash Flow Low	- -	- -	7.97	8.21	9.57	7.49	7.22	7.29	6.52	5.64	6.9	7.77	10.3	4.14	- -
Price/Free Cash Flow Average	- -	- -	6.45	7.83	9.78	8.26	7.97	7.51	6.25	4.47	6.83	8.57	- -	3.91	- -
Price/Free Cash Flow High	- -	- -	9.1	10.5	11.45	10.27	9.18	8.57	6.76	4.74	8.84	9.85	- -	4.56	- -
Price/Free Cash Flow Low	- -	- -	5.81	6.67	8.75	7.1	6.99	5.89	5.92	3.89	6.2	7.26	- -	3.68	- -
EV/Sales Average	3.32	3.23	6.61	6.33	4.47	4.52	2.57	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	3.32	3.23	7.84	7.39	5.06	5.32	3.07	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Low	3.32	3.23	6.32	5.87	4.11	4.05	2.17	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	6	5.56	13.4	20.49	15.74	-160.3	71.2	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	6	5.56	15.89	23.92	17.82	-188.95	84.94	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	6	5.56	12.8	19	14.46	-143.78	60.15	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	6.2	5.73	14.05	22.51	17.96	-69.08	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	6.2	5.73	16.65	26.27	20.33	-81.42	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	6.2	5.73	13.42	20.87	16.5	-61.96	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	46.53	55.75	53.11	44.77	40.38	27.55	29.5	34.7	25.8	29.6	28.6	33.6	54
High Price	- -	- -	70.75	65	62	60	53	27.95	30.3	36	34.95	35	32	33.6	60
Enterprise Value Average	36	38	87	77	53	51	28	-11	-2	-9	-77	-97	-45	-12	-40
Enterprise Value High	36	38	103	90	60	60	34	-9	- -	-7	-72	-94	-43	-9	-40
Enterprise Value Low	36	38	83	72	49	46	24	-15	-3	-12	-79	-100	-46	-14	-40

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	- -	1	- -
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	1	1	- -
Revenue per Share	13.75	14.81	16.77	15.6	15.3	14.55	14.1	14.74	15.94	18.39	18.31	17.55	21.29	24.73	- -
EBITDA per Share	7.61	8.6	8.27	4.82	4.34	-0.41	0.51	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	7.36	8.34	7.89	4.39	3.81	-0.95	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	4.59	5.22	4.96	2.77	2.42	-0.48	-2.55	2.08	2.89	3.52	3	2.03	4.29	6.3	- -
Basic EPS from Cont Ops	4.59	5.22	4.96	2.77	2.42	-0.48	-2.55	2.08	2.89	3.52	3	2.03	4.29	6.3	- -
Diluted EPS, GAAP	4.59	5.22	4.96	2.77	2.42	-0.48	-2.55	2.08	2.89	3.52	3	2.03	- -	6.3	- -
Diluted EPS from Cont Ops	4.59	5.22	4.96	2.77	2.42	-0.48	-2.55	2.08	2.89	3.52	3	2.03	- -	6.3	- -
Dividend per Share	1.48	1.58	1.67	1.75	1.79	1.8	0.33	0.47	0.49	0.7	0.72	0.72	0.72	0.75	- -
Cash Flow per Share	4.68	5.03	5.67	5.03	4.95	5.54	5.59	2.63	4.08	5.23	3.55	3.32	2.78	6.55	- -
Free Cash Flow per Basic Share	4.39	4.54	3.56	3.87	4.49	5.24	5.41	2	3.67	2.88	3.15	3.09	2.54	5.74	- -
Cash & Equivalents per Share	5.97	7.59	6.86	4.85	20.51	13.31	35.42	39.82	30.8	48.07	133.26	163.59	91.51	45.64	- -
Book Value per Share	26.18	29.81	32.85	33.48	34.2	31.92	29.04	32.37	34.77	37.59	39.87	41.18	44.74	50.3	- -
Tangible Book Value per Share	29.87	32.45	34.66	35.48	36.2	34.37	31.13	33.27	35.94	34.05	36.51	37.75	32.04	40.26	- -

Peoples Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)