Peoples Bancorp Inc. Financial Ratios — PEBO Stock

Profitability (USD)

	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
Return on Common Equity (%)	8.43	8.93	7.23	5.51	2.77	7.01	8.23	9.01	9.3	5.69	6.31	10.98	10.57	9.58	8.33
Return on Assets (%)	0.69	1.1	0.88	0.72	0.38	0.93	1.1	1.22	1.29	0.76	0.8	1.42	1.39	1.27	1.13
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
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
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	20.25	33.36	32.49	22.93	10.55	30.01	35.06	30.41	32.89	21.86	24.55	39.75	34.35	33.68	29.69
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
Net Income to Common Margin (%)	13.24	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
Effective Tax Rate (%)	26.8	31.85	39.58	31	26.15	31.19	32.75	15.81	17.84	18.48	16.53	21.26	21.89	21.58	20.79
Dvd Payout Ratio (%)	33.99	21.86	30.84	40.56	91.99	35.86	38.23	45.22	48.31	77.81	65.19	41.83	45.93	48.06	54.45
Sustainable Growth Rate (%)	5.56	6.97	5	3.27	0.22	4.49	5.09	4.94	4.8	1.26	2.2	6.38	5.72	4.97	3.8

Credit (USD)

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	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 Debt	108	104	153	154	150	336	237	415	357	131	154	501	635	413	714
ST Debt	8	15	71	15	76	231	93	305	274	20	55	400	418	175	510
LT Debt	100	89	82	139	74	105	144	110	83	111	99	101	216	238	204
Total Debt/EBITDA	6.31	5.53	9.49	11.7	8.09	17.54	13.04	22.78	20	5.09	6.27	28.93	173.01	117.58	49.33
Net Debt/EBITDA	4.04	2.2	6.15	7.03	4.25	14.09	9.06	18.51	13.55	-0.84	-10.6	20.04	56.68	55.64	36.28
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.29	12.31	12.13	13.87	13.34	13.25	13.4	13.71	13.96	12.88	12.65	13.21	13.02	13.56	13.56
Long-Term Debt/Equity (%)	48.35	40.06	36.93	40.89	17.55	24.16	31.4	21.08	13.98	19.21	11.77	12.87	20.53	21.42	16.92
Long-Term Debt/Capital (%)	30.37	26.12	20.32	27.26	12.61	13.3	20.1	11.4	8.61	14.87	9.49	6.96	11.84	14.27	10.09
Long-Term Debt/Total Assets (%)	5.57	4.63	3.97	5.42	2.26	3.06	4.02	2.75	1.91	2.32	1.41	1.4	2.36	2.57	2.12
Total Debt/Equity (%)	52.46	46.82	68.98	45.3	35.65	77.23	51.6	79.72	60.08	22.68	18.28	63.81	60.24	37.17	59.19
Total Debt/Capital (%)	32.96	30.53	37.96	30.2	25.61	42.51	33.03	43.11	37	17.55	14.74	34.48	34.73	24.77	35.31
Total Debt/Total Assets (%)	6.04	5.41	7.42	6	4.59	9.79	6.61	10.39	8.2	2.74	2.19	6.95	6.93	4.46	7.4
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
Net Debt/Capital (%)	23.95	14.88	28.39	20.64	15.3	37.26	25.52	38.12	28.46	-3.64	-41.33	26.71	14.85	13.48	28.64
EBITDA	17	19	16	13	19	19	18	18	18	26	25	17	4	4	14
EBITDA-CapEx	16	14	10	6	9	14	13	14	15	21	18	11	-10	-3	8
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.29	12.31	12.13	13.87	13.34	13.25	13.4	13.71	13.96	12.88	12.65	13.21	13.02	13.56	13.56
Long-Term Debt/Equity (%)	48.35	40.06	36.93	40.89	17.55	24.16	31.4	21.08	13.98	19.21	11.77	12.87	20.53	21.42	16.92
Long-Term Debt/Capital (%)	30.37	26.12	20.32	27.26	12.61	13.3	20.1	11.4	8.61	14.87	9.49	6.96	11.84	14.27	10.09
Long-Term Debt/Total Assets (%)	5.57	4.63	3.97	5.42	2.26	3.06	4.02	2.75	1.91	2.32	1.41	1.4	2.36	2.57	2.12
Total Debt/Equity (%)	52.46	46.82	68.98	45.3	35.65	77.23	51.6	79.72	60.08	22.68	18.28	63.81	60.24	37.17	59.19
Total Debt/Capital (%)	32.96	30.53	37.96	30.2	25.61	42.51	33.03	43.11	37	17.55	14.74	34.48	34.73	24.77	35.31
Total Debt/Total Assets (%)	6.04	5.41	7.42	6	4.59	9.79	6.61	10.39	8.2	2.74	2.19	6.95	6.93	4.46	7.4
CFO/Total Liabilities	2.73	2.43	2.2	1.41	1.69	2.02	1.95	2.17	1.79	2.04	2.52	1.87	1.77	1.76	1.6
CFO/CapEx	33.63	9.11	6.13	4.43	5.08	11.16	12.54	16.61	23.91	19.88	23.4	17.75	10.67	20.99	22.36
Altman's Z-Score	0.15	0.18	0.18	0.18	0.16	0.21	0.22	0.2	0.22	0.18	0.14	0.17	0.18	0.19	0.19

Working Capital (USD)

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	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
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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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	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
Market Capitalization	155	215	238	316	331	585	589	572	697	534	694	788	1,098	1,102	1,050
- Cash & Cash Equivalents	39	63	54	61	71	66	72	78	115	152	416	154	427	218	189
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	108	104	153	154	150	336	237	415	357	131	154	501	635	413	714
Enterprise Value	-404	-383	-269	-228	-375	77	-42	117	3	-240	-843	4	258	214	1,569
Total Capital	329	340	403	510	584	791	716	962	965	744	1,048	1,453	1,827	1,668	2,022
Total Debt/Capital (%)	32.96	30.53	37.96	30.2	25.61	42.51	33.03	43.11	37	17.55	14.74	34.48	34.73	24.77	35.31
Total Debt / EV	-0.27	-0.27	-0.57	-0.67	-0.4	4.38	-5.64	3.55	111.56	-0.54	-0.18	123.01	2.46	1.93	0.46
EV/Sales	- -	- -	- -	- -	- -	0.51	- -	0.65	0.02	- -	- -	0.01	0.61	0.48	3.46
EV/EBITDA	- -	- -	- -	- -	- -	4.01	- -	6.42	0.18	- -	- -	0.24	70.31	60.93	108.37
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	1.27	- -	1.55	0.05	- -	- -	0.03	1.8	1.5	11.65
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	1.16	- -	1.46	0.05	- -	- -	0.03	1.64	1.43	11.15
Diluted Market Cap	155	215	240	319	333	589	594	576	703	538	699	791	1,106	1,114	1,062
Diluted Enterprise Value	225	256	339	412	412	859	758	913	945	516	437	1,138	1,314	1,309	1,587
EV per Share	- -	- -	- -	- -	- -	4.26	- -	6.15	0.16	- -	- -	0.15	7.93	6.16	44.86
TTM Sales	85	90	90	105	140	151	163	181	199	195	232	324	422	444	454
TTM EBITDA	17	19	16	13	19	19	18	18	18	26	25	17	4	4	14
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	43	41	40	31	48	61	61	75	67	85	156	120	144	143	135
TTM Free Cash Flow to Firm	45	46	47	39	57	66	66	80	70	90	163	127	157	150	141

Multiples (USD)

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	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
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
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-404	-383	-269	-228	-375	77	-42	117	3	-240	-843	4	258	214	1,569
Low Price	9.51	14.59	19.3	20.29	18.12	16.34	29.55	28.35	29.76	17.91	26.85	25.63	23.05	26.74	26.21
EV/Sales	- -	- -	- -	- -	- -	0.51	- -	0.65	0.02	- -	- -	0.01	0.61	0.48	3.46
EV/EBITDA	- -	- -	- -	- -	- -	4.01	- -	6.42	0.18	- -	- -	0.24	70.31	60.93	108.37
Price/Earnings	13.85	10.55	13.55	18.94	30.23	18.77	15.3	12.36	12.99	15.37	14.59	7.78	9.69	9.4	9.84
Price/Earnings Average	11.59	10.1	13.04	17.86	35.86	13.03	15.16	14.58	12.03	13.68	14.55	8.24	7.93	9.07	9.87
Price/Earnings High	15.02	12.36	14.45	20.45	41.73	19.07	16.62	16.25	13.09	22.28	16.86	9.54	10	11	11.08
Price/Earnings Low	8.89	7.54	11.62	14.82	29.07	9.45	13.86	11.64	11.15	10.16	12.32	7.06	6.61	7.93	8.58
Price/Book Value	0.7	0.91	0.95	0.89	0.76	1.29	1.23	1.04	1.15	0.87	0.78	0.83	0.92	0.88	0.8
Price/Book Value Average	0.59	0.87	0.92	0.84	0.9	0.89	1.22	1.23	1.06	0.78	0.77	0.88	0.75	0.85	0.81
Price/Book Value High	0.76	1.07	1.02	0.96	1.05	1.31	1.33	1.37	1.16	1.26	0.9	1.01	0.95	1.03	0.9
Price/Book Value Low	0.45	0.65	0.82	0.69	0.73	0.65	1.11	0.98	0.98	0.58	0.66	0.75	0.63	0.74	0.7
Price/Tangible Book Value	1.09	1.4	1.65	1.37	1.22	2.02	1.88	1.6	1.67	1.37	1.25	1.72	1.71	1.55	1.29
Price/Tangible Book Value Average	0.91	1.34	1.59	1.29	1.45	1.4	1.86	1.88	1.55	1.22	1.25	1.82	1.4	1.5	1.3
Price/Tangible Book Value High	1.18	1.64	1.76	1.48	1.69	2.05	2.04	2.1	1.69	1.98	1.45	2.11	1.77	1.82	1.45
Price/Tangible Book Value Low	0.7	1	1.42	1.07	1.18	1.02	1.7	1.5	1.44	0.9	1.06	1.56	1.17	1.31	1.13
Price/Sales	1.83	2.4	2.66	3	2.35	3.88	3.61	3.16	3.51	2.74	2.99	2.44	2.6	2.48	2.31
Price/Sales Average	1.53	2.3	2.56	2.83	2.79	2.69	3.57	3.73	3.25	2.44	2.98	2.58	2.13	2.4	2.32
Price/Sales High	1.99	2.81	2.84	3.24	3.25	3.94	3.92	4.16	3.54	3.97	3.45	2.99	2.68	2.9	2.61
Price/Sales Low	1.18	1.71	2.28	2.34	2.26	1.95	3.27	2.98	3.01	1.81	2.52	2.21	1.77	2.1	2.02
Price/Cash Flow	3.58	5.21	5.89	10.03	6.91	9.64	9.65	7.6	10.38	6.25	4.44	6.58	7.65	7.7	7.8
Price/Cash Flow Average	3	4.99	5.66	9.46	8.19	6.69	9.56	8.96	9.62	5.57	4.42	6.96	6.26	7.42	7.83
Price/Cash Flow High	3.88	6.11	6.28	10.83	9.54	9.79	10.48	9.99	10.47	9.06	5.13	8.06	7.89	9	8.78
Price/Cash Flow Low	2.3	3.72	5.05	7.85	6.64	4.85	8.74	7.16	8.92	4.13	3.74	5.97	5.22	6.5	6.8
Price/Free Cash Flow Average	2.91	4.5	4.91	7.8	6.9	6.19	8.93	8.51	9.31	5.33	4.27	6.61	5.76	7.16	7.57
Price/Free Cash Flow High	3.77	5.5	5.45	8.93	8.03	9.06	9.79	9.49	10.12	8.68	4.95	7.66	7.27	8.69	8.5
Price/Free Cash Flow Low	2.23	3.35	4.38	6.47	5.59	4.49	8.17	6.8	8.62	3.96	3.61	5.67	4.81	6.27	6.58
EV/Sales Average	2.35	2.76	3.67	3.7	3.35	4.48	4.58	5.6	4.47	2.33	1.86	3.65	2.62	2.84	3.48
EV/Sales High	2.81	3.27	3.94	4.11	3.81	5.73	4.93	6.03	4.76	3.86	2.33	4.06	3.18	3.35	3.76
EV/Sales Low	2	2.17	3.39	3.22	2.82	3.74	4.28	4.85	4.23	1.7	1.4	3.28	2.27	2.54	3.18
EV/EBITDA Average	11.6	13.17	20.37	29.65	25.45	35.27	41.21	55.56	49.73	17.71	17.48	68.23	301.87	358.17	109.1
EV/EBITDA High	13.84	15.63	21.91	32.93	28.92	45.08	44.31	59.81	52.9	29.37	21.93	75.84	365.78	422.54	118.01
EV/EBITDA Low	9.84	10.39	18.82	25.8	21.44	29.44	38.46	48.09	47.07	12.94	13.17	61.34	261.12	320.3	99.6
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	14.81	20.43	22.51	25.93	18.84	32.46	32.62	30.1	34.66	27.09	31.81	28.25	33.76	31.69	30.03
High Price	16.07	23.93	24	28	26.01	32.98	35.43	39.58	34.94	39.28	36.75	34.63	34.85	37.07	33.83
Enterprise Value Average	199	247	328	391	471	676	748	1,011	888	454	431	1,182	1,107	1,259	1,580
Enterprise Value High	238	293	353	434	535	864	804	1,089	945	753	541	1,314	1,342	1,485	1,708
Enterprise Value Low	169	195	303	340	397	564	698	875	841	332	325	1,062	958	1,126	1,442

	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
Shares Outstanding	11	11	11	15	18	18	18	20	21	20	28	28	35	35	36
Diluted Weighted Avg Shares	10	11	11	12	18	18	18	19	20	20	22	28	33	35	35
Basic Weighted Avg Shares	10	11	11	12	18	18	18	19	20	20	22	28	33	35	35
Revenue per Share	8.08	8.52	8.46	8.65	8	8.38	9.04	9.51	9.88	9.89	10.64	11.6	12.99	12.76	12.98
EBITDA per Share	1.64	1.78	1.52	1.08	1.05	1.06	1.01	0.96	0.89	1.3	1.13	0.62	0.11	0.1	0.41
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
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
Cash Flow per Share	4.14	3.92	3.82	2.59	2.73	3.37	3.38	3.96	3.34	4.33	7.17	4.29	4.42	4.12	3.85
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
Cash & Equivalents per Share	63.68	66.65	62.37	57.32	48.75	46.86	48.05	45.78	52.25	45.89	77.52	46.06	45.34	37.41	5.59
Book Value per Share	21.04	22.44	23.6	29.23	24.76	25.24	26.58	28.81	30.22	31.09	40.95	34.13	36.65	36.08	37.41
Tangible Book Value per Share	13.56	14.55	13.6	18.96	15.39	16.06	17.4	18.85	20.72	19.83	25.39	16.45	19.71	20.39	23.25

Peoples Bancorp Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)