Filing Flows

Filing Flows › Financials › Peoples Bancorp (PEBO)

Peoples Bancorp (PEBO) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Oct 29, 2026 · Peoples Bancorp (PEBO) Q3 2026 earnings results →

Q3 2026 Revenue up 4% year over year to $119M · 27¢ of every $1 of revenue kept as net profit · operating margin 34.6%

Peoples Bancorp made $119M in Q3 2026 (+4% Y/Y): Net interest income $93.8M, Noninterest income $25.6M. Operating margin 34.6%, net earnings $32.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 29, 2026.

Revenue$119M
Year over year+4%
Operating margin34.6%
Net earnings$32.6M
Operating cash flow$48.7M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $119.5M in Q3 2026, up 4% year over year and up 6% from the previous quarter. Net interest income was the largest line at 79% of revenue. Net interest income added $2.5M year over year (up 3%), 58% of the total change.

Operating profit was $41.4M, a 34.6% margin (up 1.6 points year over year). Of the extra revenue versus a year earlier, 78% reached operating profit, above the 33% margin then. Total costs grew 1% against revenue growth of 4%. Net earnings were $32.6M, up 11% year over year. The effective tax rate was 21.2%.

Operating cash flow was $48.7M (up 238% year over year), 149% of net earnings. Non-cash charges added back $2.1M of share-based compensation. Working capital and other items added $14.0M. Capital expenditures of $1.6M left free cash flow of $47.1M.

Quarterly history

Peoples Bancorp revenue by quarterPeoples Bancorp revenue by quarter$113MQ2 2026$119MQ3 2026
Peoples Bancorp net earnings by quarterPeoples Bancorp net earnings by quarter$28.0MQ2 2026$32.6MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QOct 29, 2026$119M+4%34.6%$32.6M$48.7M
Q2 202610-QJul 30, 2026$113M-1%31.5%$28.0M$56.1M

Charts

Peoples Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Peoples Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Other financing−$489MNet borrowing (+) / repaid (−)$441MOperating cash flow$175MCash drawn (+) / kept (−)−$111MDividends−$59.5MOther investing$45.8MCapital spending−$3.8MShares issued$1.3MBuybacks−$383K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Peoples Bancorp: profit against cash, quarter by quarterPeoples Bancorp: profit against cash, quarter by quarterNet incomeOperating cash flow$26.9M$40.0MQ4 2024$24.3M$34.3MQ1 2025$21.2M$50.7MQ2 2025$29.5M$14.4MQ3 2025$31.8M$35.3MQ4 2025$29.0M$34.5MQ1 2026$28.0M$56.1MQ2 2026$32.6M$48.7MQ3 2026
Latest (Q3 2026): Net income $32.6M, Operating cash flow $48.7M.
Peoples Bancorp: diluted shares by fiscal yearPeoples Bancorp: diluted shares by fiscal year20MFY202022MFY202128MFY202233MFY202335MFY202435MFY2025
+78.2% since FY2020: more shares outstanding (issuance, stock pay).
Peoples Bancorp: long-term debt falling due (FY2025)Peoples Bancorp: long-term debt falling due (FY2025)$54.6M2026$4.9M2027$88.9M2028$14.8M2029$9.2M2030$36.1MLater
Cash $189M, short-term investments —, long-term debt $204M at 2025-12-31.
Peoples Bancorp in its industry: growth against margin (133 companies, SIC 6022)Peoples Bancorp in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFPEBO (+4%, 35%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

Loading the interactive chart…

🌏Named in Asian annual reportsinteractive

Loading the interactive chart…

🔄Rotation against the market and its industry (RRG)interactive

Loading the interactive chart…

🔍Earnings qualityinteractive

Loading the interactive chart…

⚖️Fair value by methodinteractive

Loading the interactive chart…

🔭Outlook & guidanceinteractive

Loading the interactive chart…

📈Investments: gains and what it boughtinteractive

Loading the interactive chart…

🏭Its industry’s money flow (input-output)interactive

Loading the interactive chart…

About Peoples Bancorp

The disclosures set forth in this Item are qualified by “ITEM 1A RISK FACTORS” and the section captioned “Forward-Looking Statements” in “ITEM 7 MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS” of this Form 10-K and other cautionary statements set forth elsewhere in this Form 10-K. Peoples Bancorp Inc. is a financial holding company, which was organized in 1980. Peoples operates principally through its wholly-owned subsidiary, Peoples Bank, an Ohio state-chartered bank that was first chartered in 1902. Peoples’ other wholly-owned operating subsidiary is Peoples Investment Company (“PIC”). Peoples also holds all of the common securities of NB&T Statutory Trust III, FNB Capital Trust One, Ascencia Statutory Trust I, and Porter Statutory Trusts II-IV.

In its own words, from its 10-K, filed Feb 26, 2026.

Peoples Bancorp against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +4% against the peers' median +10%. Operating margin: 34.6% against the peers' median 34.6%.

CompanyQuarterRevenueY/YOp. margin
PEBO Peoples BancorpQ3 2026$119M+4%34.6%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Peoples Bancorp 10-Q on SEC EDGAR · CIK 318300 · State Commercial Banks

13F: who owns PEBO and who is buying

Largest holders of PEBO (13F)Largest holders of PEBO (13F)BlackRock$128MDimensional Fund Advisors LP$87.3MState Street$78.8MVanguard Group$62.5MVanguard Capital Management LLC$58.7MAmerican Century Companies$42.1MGeode Capital Management, LLC$37.3MBrown Advisory$31.3MInvesco$30.5MRaymond James Financial$21.8M
Funds' net buying of PEBO by quarter (13F)Funds' net buying of PEBO by quarter (13F)$1.3M2024-09−$3.7M2024-12$8.4M2025-03$11.2M2025-06−$7.3M2025-09$22.3M2025-12$20.5M2026-03$32.9M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on PEBO

History

Every quarter: Q3 2026 results · Q2 2026 results

Compare PEBO with

中文版：Peoples Bancorp（PEBO）财报

Español · Français