PEBO · Peoples Bancorp Inc
$39.97
+0.14 (+0.35%)
At close · Aug 20
Market Cap
$1.43B
Shares
35.94M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$39.97
Open$39.69
Day$39.54–39.99
52W close$27.67–42.23
Avg vol 30d309K
Short int1.9M · 5.2% float · 4.9d
Short vol77%
Last earningsJul 27, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 30
Up next
Next earnings call
Oct 26, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 30, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Fair
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+18%
above
Price vs 50-day avg
+2%
above
RSI (14)
46
neutral
MACD trend
Negative
52-week position
84%
mid-range
Momentum
relative strength
1-month return
0%
trailing
6-month return
+24%
trailing
YTD return
+33%
this year
Relative strength
+13%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $39 › 200d $34 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +33 funds added
Insider flow
Distributing
Net -$104.0K over 90 days · 67% sells
Short interest
Rising
5.16% of float · ▲ +7.9% MoM · 4.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
222 holders — near 3-yr high, broad support
Squeeze score
69
elevated · 0–100
Fundamentals
Revenue growth
−70%
Y/Y
EPS growth
−10%
Y/Y
Free cash flow
$128.7M
Valuation
P/E 12
below peers
Buyback
$70.0M
authorized
Balance sheet
$545.5M
net debt
Quant / Vol
risk profile
Volatility
23%
annualized · 1-yr
Max drawdown
−11%
past year
ATR
1.7%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 27, 2026
full year of 2026
Net interest margin
Maintained
4.1% – 4.3%
Jul 21, 2026
4.1% – 4.3%
changed to
Jul 27, 2026
4.1% – 4.3%
two remaining quarters of 2026
Total non-interest expense
$73M – $75M
remainder of the year
Payoffs
$150M – $200M
Prior guidance
period ended
· from the 8-K filed Oct 27, 2025
Net interest margin
· full year
4% – 4.2%
Total non-interest expense
· fourth quarter of 2025
$69M – $71M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+18%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
46
Neutral
MACD trend
Negative
Bearish
52-week position
84%
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $39 › 200d $34 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +33 funds added
Insider flow
Distributing
Net -$104.0K over 90 days · 67% sells
Short interest
Rising
5.16% of float · ▲ +7.9% MoM · 4.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
222 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $28
Now $40 · 84%
Range high $42
vs 200-day avg +18%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Accretion income | $2.4M | first six months of 2026 | — |
| Accretion income contribution to net interest margin | 6 | first six months of 2026 | — |
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| Acquisition-related expenses non-GAAP | $426,000 | first half of 2026 | — |
| Adjusted revenue non-GAAP | 121.95M | Three Months Ended June 30, 2026 | — |
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| Adjusted total non-interest expense non-GAAP | 71.06M | Three Months Ended June 30, 2026 | — |
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| Allowance for credit losses as a percent of total loans | 1.14% | second quarter | — |
| Annualized net income adjusted for non-core items non-GAAP | 140.75M | Three Months Ended June 30, 2026 | — |
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| Annualized net income excluding amortization of other intangible assets non-GAAP | 117.49M | Three Months Ended June 30, 2026 | — |
| Annualized quarterly net charge-off rate | 31 | second quarter | — |
| Criticized loans as a percent of total loans | 4.01% | second quarter | — |
| Demand deposits as a percent of total deposits | 36% | second quarter | — |
| Diluted EPS adjusted for one-time items non-GAAP | $0.96 | second quarter | — |
| Fee-based income growth compared to linked quarter | $340,000 | second quarter | — |
| High-balance accounts | $7.2M | second quarter | — |
| Investment portfolio as a percent of total assets | 19.1% | second quarter | — |
| Loan portfolio considered current | 99.1% | second quarter | — |
| Loan-to-deposit ratio | 91.5% | second quarter | — |
| Net income adjusted for non-core items non-GAAP | 35.09M | Three Months Ended June 30, 2026 | — |
| Net interest income on a fully tax-equivalent basis non-GAAP | 92.95M | Three Months Ended June 30, 2026 | — |
| Non-interest-bearing deposits to total deposits ratio | 21% | second quarter | — |
| Non-performing loans as a percent of total loans | 0.6% | second quarter | — |
| Pre-provision net revenue non-GAAP | 48.97M | Three Months Ended June 30, 2026 | — |
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| Return on average assets adjusted for non-core items non-GAAP | 1.47% | Three Months Ended June 30, 2026 | +7.3% |
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| Return on average tangible equity non-GAAP | 14.03% | Three Months Ended June 30, 2026 | -15.3% |
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| Small-ticket lease charge-offs | $3.4M | second quarter | — |
| Total non-interest income, excluding net gains and losses non-GAAP | 29.01M | Three Months Ended June 30, 2026 | — |
| Adjusted core non-interest expense non-GAAP | $140.57M | Six Months Ended June 30, 2026 | — |
| Allowance for credit losses as a percentage of non-performing loans | 190.78% | Q2 2026 | — |
| Annualized net charge-offs | 0.31% | Q2 2026 | — |
| Average retail customer deposit relationship | $26,000 | 2Q 2026 | — |
| Brokerage assets under administration and management | $1.98B | June 30, 2026 | — |
| Classified loans as a percent of total loans | 2.06% | Q2 2026 | — |
| Common equity tier 1 capital ratio | 12.66% | 6/30/2026 | — |
| Contingent sources of liquidity | $3.9B | Q2 2026 | — |
| Core non-interest expense non-GAAP | $143.97M | Six Months Ended June 30, 2026 | — |
| Effective tax rate | 21.6% | Q2 2026 | — |
| Efficiency ratio adjusted for non-core items non-GAAP | 58.26% | Six Months Ended June 30, 2026 | — |
| Employees (full-time equivalent) | 1,443 | June 30, 2026 | — |
| Investment securities as a percent of total assets | 19.1% | Q2 2026 | — |
| Leverage ratio | 10.33% | 6/30/2026 | — |
| Liquid and liquefiable assets | $549.5M | Q2 2026 | — |
| Locations | 144 | as of June 30, 2026 | — |
| Mortgage loans serviced for others | $326.02M | June 30, 2026 | — |
| Net charge-off rate, excluding North Star Leasing | 0.11% | 6/30/2026 | — |
| Net interest margin | 4.23% | the second quarter of 2026 | — |
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| Nonperforming assets as a percent of total loans and OREO | 0.6% | Q2 2026 | — |
| Tangible assets non-GAAP | $9.15B | June 30, 2026 | — |
| Tangible equity non-GAAP | $846.59M | June 30, 2026 | — |
| Tier 1 risk-based capital ratio | 13.1% | 6/30/2026 | — |
| Total borrowing capacity | $848.7M | Q2 2026 | — |
| Total net charge-off rate | 0.31% | 6/30/2026 | — |
| Total non-interest expense excluding acquisition-related expense non-GAAP | $72.35M | Q2 2026 | — |
| Total risk-based capital ratio | 14.19% | 6/30/2026 | — |
| Total stockholders' equity to total assets | 12.96% | June 30, 2026 | — |
| Trust assets under administration and management | $2.52B | June 30, 2026 | — |
| Uninsured deposits as a percent of total deposits | 27% | Q2 2026 | — |
| Efficiency ratio non-GAAP | 58.61% | Three Months Ended March 31, 2026 | +1.4% |
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| Tangible book value per common share non-GAAP | $22.95 | At or For the Three Months Ended March 31, 2026 | — |
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| Tangible equity to tangible assets non-GAAP | 8.91% | At or For the Three Months Ended March 31, 2026 | — |
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| Accretion income, net of amortization expense, from acquisitions | $1.3M | Q1 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
PEBO
this stock
Peoples Bancorp Inc
|
$1.43B | +33.1% | -69.6% | 12.0 | 5.2% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| PEBO | -3.3% | +0.4% | +23.9% | -4.1% | +33.1% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -1.3% | -2.9% | +12.7% | -6.1% | +21.3% |
Capital returns
Latest dividend
$0.42
/ share · ex Aug 3, 2026
Paid (TTM)
$1.66
/ share · 4 payouts
Dividend yield (TTM, derived)
4.15%
Buyback programs
· 2 active
· as of Jan 28, 2021
Authorized (total)
$70.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
318300
CUSIP
709789101
13F (30d)
195 filings
194 filers
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