Stock Ratings / Financials / PEBO / financials

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Peoples Bancorp Inc. (PEBO) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$38.81 +1.09% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Peoples Bancorp Inc. (PEBO) earns a Roarable Rating of B (Buy) with 72/100 RQD Confidence. High-quality cash engine (steady margins, 11% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $1.39B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+6.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PEBO)Realized 20D OHLCV Swing Band: ±4%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How PEBO Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$128.7M (148.4% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $79.5M

FY24

Rev $84.8M

FY25

Rev $86.7M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$86.7M	52%	85%	$106.8M	$128.7M	10.5%
FY 2024	$84.8M	52%	85%	$117.2M	$136.4M	13.2%
FY 2023	$79.5M	52%	85%	$113.4M	$143.6M	10.5%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PEBO)

✓Walkthrough of PEBO's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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PEBO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +12.82%▲ RESISTANCE BREAKOUT

2026-10-30O $39.00H $39.00L $38.37C $38.81VOL 501.6K

RES: $38.25SUP: $34.61SMA50: $38.41SMA200: $36.08

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PEBO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PEBO Butterfly Map → + Track PEBO →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

4.3%/yr Implied 5Y Growth

vs. +2.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PEBO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PEBO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PEBO)

Financials Rank #97 of 1096 ⚔️ WABC vs PEBO Full Matrix →

1. Head-to-Head Financials Peer Comparison (PEBO vs. WABC, FMBH, BHRB, HBT)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Peoples Bancorp Inc. (PEBO) ranks #97 by composite RQD confidence (72/100, grade B) and #504 by equity capitalization ($1.39B). Within this direct 5-issuer industry benchmark cohort, WABC leads on earnings valuation at 12.2x trailing P/E, while BHRB leads on capital efficiency and profitability with 13.7% ROIC and — gross margin. PEBO currently leads its immediate peer cohort in composite quantitative strength at 72/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PEBO ACTIVE Peoples Bancorp Inc.	B	72/100	13.1x	—	10.5%	+1.09%	$1.39B	Benchmark Subject
WABC Westamerica Bancorporation	C	63/100	12.2x	—	12.4%	+0.79%	$1.42B	/wabc-vs-pebo →
FMBH First Mid Bancshares Inc.	C	62/100	14.8x	—	9.6%	+1.21%	$1.36B	/fmbh-vs-pebo →
BHRB Burke & Herbert Financial Services Corp.	C-	61/100	12.2x	—	13.7%	+0.88%	$1.43B	/bhrb-vs-pebo →
HBT HBT Financial Inc.	B-	70/100	17.4x	—	12.5%	+1.10%	$1.34B	/hbt-vs-pebo →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000318300

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Peoples Bancorp Inc. (PEBO) reported GAAP revenue of $86.7M (+2.3% vs. FY2024 revenue of $84.8M , and +9.1% cumulative change since FY2023) , GAAP net income of $106.8M, operating cash flow of $134.7M, and free cash flow of $128.7M (-5.6% YoY). On the balance sheet, PEBO closed FY2025 with $9.65B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$86.7M	$106.8M	$134.7M	$128.7M	$9.65B	—
FY2024 (FY)	2024-12-31	$84.8M	$117.2M	$143.2M	$136.4M	$9.25B	—
FY2023 (FY)	2023-12-31	$79.5M	$113.4M	$143.6M	$143.6M	—	—

3. PEBO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PEBO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Peoples Bancorp Inc. (NASDAQ: PEBO) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 at a spot price of $38.81 (+1.09% 1D, market cap $1.39B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, PEBO ranks #97 in composite RQD confidence.

How does PEBO compare to WABC and FMBH in the Financials sector?

Within the Financials sector (Major Banks), PEBO carries a Roarable B (72/100 RQD), trailing P/E of 13.1x, gross margin of —, and ROIC of 10.5%. By comparison, WABC (Westamerica Bancorporation) holds a C grade (63/100 RQD, P/E 12.2x, ROIC 12.4%, cap $1.42B) and FMBH (First Mid Bancshares Inc.) posts a C grade (62/100 RQD, P/E 14.8x, ROIC 9.6%, cap $1.36B). Among the 5-stock peer group, WABC leads on earnings multiple (12.2x) while BHRB leads on capital efficiency (13.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PEBO?

Per PEBO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000318300), Peoples Bancorp Inc. generated $86.7M in revenue (+2.3% YoY), $106.8M in net income, and $128.7M in free cash flow against $9.65B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PEBO trading relative to its 50-day, 200-day, and 52-week technical levels?

PEBO last traded at $38.81 (+1.09% on volume of 404,652 shares), positioning the stock +1.04% above its 50-day simple moving average ($38.41) and +7.57% above its 200-day simple moving average ($36.08). Across its 52-week range of $28.01 to $42.29, PEBO sits at the 75.6% percentile with a 14-day RSI of 57.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.0% ($37.26 to $40.36).