Peoples Bancorp Inc.

PEBO

PEBOPeoples Bancorp Inc. US flag

NASDAQ Global Select

34.08

USD

-0.88

- -

1.22BMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	85	90	90	105	140	151	163	181	199	195	232	324	422	444	454
+ Sales & Services Revenue	85	90	90	105	140	151	163	181	199	195	232	324	422	444	454
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	40	40	43	54	70	67	70	80	88	88	112	134	177	188	199
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-40	-40	-43	-54	-70	-67	-70	-80	-88	-88	-112	-134	-177	-188	-199
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-17	-30	-29	-24	-15	-45	-57	-55	-65	-43	-57	-129	-145	-149	-135
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-17	-30	-29	-24	-15	-45	-57	-55	-65	-43	-57	-129	-145	-149	-135
Pretax Income	17	30	29	24	15	45	57	55	65	43	57	129	145	149	135
- Income Tax Expense (Benefit)	5	10	12	7	4	14	19	9	12	8	9	27	32	32	28
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	13	20	18	17	11	31	38	46	54	35	48	101	113	117	107
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	13	20	18	17	11	31	38	46	54	35	48	101	113	117	107
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	13	20	18	17	11	31	38	46	54	35	48	101	113	117	107
- Preferred Dividends	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	11	20	18	17	11	31	38	46	54	35	48	101	113	117	107
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	17	19	16	13	19	19	18	18	18	26	25	17	4	4	14
EBITDA Margin (%)	20.3	20.93	18	12.5	13.17	12.71	11.12	10.08	8.99	13.14	10.62	5.35	0.87	0.79	3.19
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	14.82	22.74	19.63	15.83	7.79	20.65	23.58	25.61	27.02	17.82	20.49	31.3	26.83	26.41	23.52
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.49	0.42	0.51	0.56	0.57	0.62	0.81	1.1	1.29	1.37	1.42	1.52	1.6	1.62	1.66
Depreciation Expense	17	19	16	13	19	19	18	18	18	26	25	17	4	4	14
Basic Weighted Avg Shares	10	11	11	12	18	18	18	19	20	20	22	28	33	35	35
Basic EPS, GAAP	1.07	1.94	1.66	1.37	0.62	1.73	2.13	2.44	2.67	1.76	2.18	3.63	3.48	3.37	3.05
Basic EPS from Cont Ops	1.2	1.94	1.66	1.37	0.62	1.73	2.13	2.44	2.67	1.76	2.18	3.63	3.48	3.37	3.05
Diluted Weighted Avg Shares	10	11	11	12	18	18	18	19	20	20	22	28	33	35	35
Diluted EPS, GAAP	1.07	1.94	1.65	1.36	0.62	1.72	2.11	2.42	2.65	1.75	2.17	3.62	3.46	3.33	3.02
Diluted EPS from Cont Ops	1.2	1.94	1.65	1.36	0.62	1.72	2.11	2.42	2.65	1.75	2.17	3.62	3.46	3.33	3.02

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	668	702	660	698	856	844	867	870	1,051	905	1,691	1,285	1,475	1,301	196
+ Cash & Cash Equivalents	39	63	54	61	71	66	72	78	115	152	416	154	427	218	189
+ ST Investments	629	639	606	637	785	778	795	792	936	753	1,275	1,131	1,048	1,084	7
+ Accounts & Notes Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	123	337	403	394	349
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	123	337	403	394	349
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-668	-702	-660	-698	-856	-844	-867	-870	-1,051	-905	-1,814	-1,622	-1,878	-1,695	-545
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	24	27	30	40	53	54	53	57	62	60	89	83	104	104	101
+ Property, Plant & Equip	56	61	65	78	96	100	102	111	119	122	157	158	187	195	200
- Accumulated Depreciation	32	34	36	38	43	46	49	54	57	62	68	75	83	91	99
+ LT Investments & Receivables	669	709	681	714	869	859	874	872	1,011	857	1,684	1,693	1,735	1,862	1,912
+ LT Investments	669	709	681	714	869	859	874	872	1,011	857	1,684	1,693	1,735	1,862	1,912
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-693	-736	-710	-754	-922	-913	-927	-928	-1,072	-917	-1,773	-1,776	-1,839	-1,966	-2,012
+ Total Intangible Assets	64	69	78	109	150	146	145	162	178	185	291	326	412	402	393
+ Goodwill	63	65	71	99	133	133	133	151	166	171	264	292	362	363	363
+ Other Intangible Assets	2	4	7	11	17	13	11	11	12	13	27	34	50	39	30
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-758	-805	-788	-863	-1,072	-1,059	-1,072	-1,090	-1,250	-1,102	-2,064	-2,103	-2,251	-2,368	-2,406
Total Assets	1,794	1,918	2,059	2,568	3,259	3,432	3,582	3,991	4,354	4,761	7,064	7,207	9,157	9,254	9,650
+ Payables & Accruals	20	27	21	27	29	37	39	50	68	91	90	104	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	20	27	21	27	29	37	39	50	68	91	90	104	- -	- -	- -
+ ST Debt	8	15	71	15	76	231	93	305	274	20	55	400	418	175	510
+ ST Borrowings	8	15	71	15	76	231	93	305	274	20	55	400	418	175	510
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-28	-42	-92	-42	-105	-268	-132	-355	-342	-111	-145	-504	-418	-175	-510
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-28	-42	-92	-42	-105	-268	-132	-355	-342	-111	-145	-504	-418	-175	-510
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	100	89	82	139	74	105	144	110	83	111	99	101	216	238	204
+ LT Borrowings	100	89	82	139	74	105	144	110	83	111	99	101	216	238	204
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-100	-89	-82	-139	-74	-105	-144	-110	-83	-111	-99	-101	-216	-238	-204
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-100	-89	-82	-139	-74	-105	-144	-110	-83	-111	-99	-101	-216	-238	-204
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	1,588	1,696	1,838	2,228	2,839	2,997	3,123	3,471	3,760	4,185	6,218	6,422	8,104	8,143	8,443
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	334	334	338	266	344	344	345	387	421	423	686	686	865	867	872
+ Common Stock	167	167	169	266	344	344	345	387	421	423	686	686	865	867	872
+ Additional Paid in Capital	167	167	169	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Treasury Stock	15	15	15	15	15	18	16	14	12	39	37	40	37	33	31
+ Retained Earnings	54	69	81	90	91	110	134	160	187	191	207	266	327	388	437
+ Other Equity	1	1	-13	-1	- -	-2	-5	-13	-1	1	-12	-127	-102	-110	-71
Equity Before Minority Interest	207	222	222	340	420	435	459	520	594	576	845	785	1,054	1,112	1,207
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	207	222	222	340	420	435	459	520	594	576	845	785	1,054	1,112	1,207
Total Liabilities & Equity	1,794	1,918	2,059	2,568	3,259	3,432	3,582	3,991	4,354	4,761	7,064	7,207	9,157	9,254	9,650
Shares Outstanding	11	11	11	15	18	18	18	20	21	20	28	28	35	35	36
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	69	41	99	93	79	270	164	337	242	-22	-261	347	208	196	525
Net Debt to Equity	33.61	18.62	44.69	27.23	18.71	62.03	35.85	64.8	40.7	-3.74	-30.92	44.19	19.73	17.59	43.53
Tangible Common Equity Ratio	8.22	8.28	7.26	9.39	8.69	8.8	9.14	9.35	9.98	8.55	8.18	6.67	7.33	8.01	8.79
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	13	20	18	17	11	31	38	46	54	35	48	101	113	117	107
+ Depreciation & Amortization	17	19	16	13	19	19	18	18	18	26	25	17	4	4	14
+ Non-Cash Items	12	-1	-2	4	18	1	-2	12	-4	24	78	11	32	37	42
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4	4	6	7	7
+ Deferred Income Taxes	- -	5	5	4	-2	-2	-3	- -	- -	-8	3	19	- -	7	-1
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	11	-5	-6	- -	19	3	1	12	-4	32	71	-12	26	22	36
+ Chg in Non-Cash Work Cap	2	3	8	-2	1	10	6	-1	- -	1	6	-9	-5	-14	-28
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	1	-1	-1	-1	1	-1	1	-6	-6	1	-1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	1	2	- -	-1	-4	4	1	- -	- -	1	2	-5	20	-6	-1
+ Inc (Dec) in Other	- -	- -	8	-2	5	7	6	-1	-1	1	3	2	-19	-10	-26
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	43	41	40	31	48	61	61	75	67	85	156	120	144	143	135
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-5	-7	-7	-9	-5	-5	-5	-3	-4	-7	-7	-13	-7	-6
+ Acq of Fixed Prod Assets	-1	-5	-7	-7	-9	-5	-5	-5	-3	-4	-7	-7	-13	-7	-6
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	-1	- -	40	-1	-5	- -	- -	-1	-29	1	-6	-2	-2	1
+ Increase in Capital Stock	- -	- -	- -	40	- -	- -	- -	- -	- -	1	1	1	1	1	2
+ Decrease in Capital Stock	- -	-1	- -	-1	-1	-5	- -	- -	-1	-29	- -	-7	-3	-3	-1
+ Net Change in LT Investment	-26	-47	-3	45	-12	-9	-27	3	5	149	-316	-235	144	-138	-5
+ Dec in LT Investment	186	265	226	190	186	161	155	149	285	457	858	244	455	479	480
+ Inc in LT Investment	-212	-312	-229	-144	-198	-170	-181	-146	-280	-308	-1,174	-478	-312	-616	-486
+ Net Cash From Acq & Div	- -	- -	-5	- -	- -	- -	- -	- -	8	- -	133	-86	93	-2	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	8	- -	133	- -	93	- -	- -
+ Cash for Acq of Subs	- -	- -	-5	- -	- -	- -	- -	- -	- -	- -	- -	-86	- -	-2	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	18	-18	-65	-52	20	-184	-131	-129	-9	-539	116	-87	-356	-198	-413
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-9	-70	-80	-14	-1	-198	-163	-130	1	-394	-74	-414	-133	-344	-424
+ Dividends Paid	-5	-4	-5	-7	-10	-11	-15	-21	-26	-27	-31	-42	-52	-56	-58
+ Net Cash From Debt	-15	-40	-7	-5	-72	31	49	-5	-4	47	-2	-101	75	21	-36
+ Cash From Debt	- -	24	- -	5	- -	55	55	- -	- -	50	- -	25	115	55	13
+ Repayments of Debt	-15	-64	-7	-10	-72	-24	-6	-5	-4	-3	-2	-125	-40	-35	-49
+ Other Financing Activities	-49	98	43	-38	46	118	73	86	- -	354	214	182	241	29	354
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-70	52	31	-10	-37	133	108	60	-31	345	182	33	262	-8	261
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-36	24	-9	8	10	-5	6	5	38	37	264	-262	273	-209	-29
EBITDA	17	19	16	13	19	19	18	18	18	26	25	17	4	4	14
EBITDA Margin (%)	20.3	20.93	18	12.5	13.17	12.71	11.12	10.08	8.99	13.14	10.62	5.35	0.87	0.79	3.19
Free Cash Flow	42	37	34	24	38	55	56	71	64	81	150	113	130	136	129
Net Cash Paid for Acquisitions	- -	- -	5	- -	- -	- -	- -	- -	-8	- -	-133	86	-93	2	- -
Free Cash Flow to Firm	42	37	34	24	38	55	56	71	64	81	150	113	130	136	129
Free Cash Flow to Equity	-13	-3	27	19	-34	86	105	66	61	128	148	13	205	157	93
Free Cash Flow per Basic Share	4.02	3.49	3.2	2	2.19	3.07	3.11	3.72	3.2	4.12	6.86	4.05	4	3.92	3.68
Price/Free Cash Flow	3.48	4.7	5.11	8.27	5.81	8.92	9.01	7.22	10.04	5.99	4.28	6.25	7.04	7.43	7.54
Cash Flow to Net Income	3.46	2.02	2.3	1.89	4.38	1.95	1.59	1.63	1.25	2.46	3.29	1.18	1.27	1.22	1.26
Capital Expenditures	-1	-5	-7	-7	-9	-5	-5	-5	-3	-4	-7	-7	-13	-7	-6