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Peoples Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$47.1M in Q3 2026 · $171M over twelve months

Operating cash flow$48.7M
Capital spending−$1.6M
Free cash flow+$47.1M
Cash / net income1.5×

Analysis

In Q3 2026, Peoples Bancorp generated $48.7M of operating cash flow and spent $1.6M on capital projects, leaving free cash flow of $47.1M. That is $34.4M more than in Q3 2025 ($12.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $175M; the largest uses were other financing ($489M), dividends ($59.5M), capital spending ($3.8M); besides operations, cash came from net borrowing (+) / repaid (−) ($441M), other investing ($45.8M); the cash balance rose by $111M.

Operating cash flow was $48.7M against net income of $32.6M — 1.5× profit, cash ran ahead of reported earnings. The largest differences: stock-based pay +$2.1M, deferred revenue −$40K.

Free cash flow

Peoples Bancorp: free cash flow by quarterPeoples Bancorp: free cash flow by quarter$39.8MQ4 2024$31.5MQ1 2025$49.2MQ2 2025$12.7MQ3 2025$35.2MQ4 2025$33.3MQ1 2026$55.2MQ2 2026$47.1MQ3 2026
Operating cash flow less capital spending.
Peoples Bancorp: operating cash flow against capital spendingPeoples Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$40.0M$197KQ4 2024$34.3M$2.7MQ1 2025$50.7M$1.5MQ2 2025$14.4M$1.7MQ3 2025$35.3M$114KQ4 2025$34.5M$1.2MQ1 2026$56.1M$872KQ2 2026$48.7M$1.6MQ3 2026
Latest (Q3 2026): Operating cash flow $48.7M, Capital spending $1.6M.

Capital allocation, year by year

Peoples Bancorp: where the cash came from (up) and went (down), by fiscal yearPeoples Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $156MFY2021: Net borrowing $12.3MFY2021: Shares issued $906KFY2021: Capital spending −$6.7MFY2021: Acquisitions $133MFY2021: Dividends −$31.0M$302MFY2021FY2022: Operating cash flow $120MFY2022: Net borrowing $228MFY2022: Shares issued $1.2MFY2022: Capital spending −$6.8MFY2022: Acquisitions −$85.8MFY2022: Buybacks −$7.4MFY2022: Dividends −$42.4M$349MFY2022FY2023: Operating cash flow $144MFY2023: Net borrowing $165MFY2023: Shares issued $1.3MFY2023: Capital spending −$13.5MFY2023: Acquisitions $92.6MFY2023: Buybacks −$3.0MFY2023: Dividends −$52.1M$403MFY2023FY2024: Operating cash flow $143MFY2024: Net borrowing −$436MFY2024: Shares issued $1.5MFY2024: Capital spending −$6.8MFY2024: Acquisitions −$1.6MFY2024: Buybacks −$3.0MFY2024: Dividends −$56.3M$145MFY2024FY2025: Operating cash flow $135MFY2025: Net borrowing $301MFY2025: Shares issued $1.7MFY2025: Capital spending −$6.0MFY2025: Buybacks −$838KFY2025: Dividends −$58.1M$438MFY2025
Over these 5 years operating cash flow totalled $698M; the largest uses were net borrowing ($436M) and dividends ($240M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$301M
Debt$859M
Net debt$558M
Due within a year$54.6M

Peoples Bancorp funds itself: free cash flow was $171M over the last twelve months, and $301M of cash and investments stands against $859M of debt ($54.6M due within a year, 5.5× covered by cash).

Peoples Bancorp: debt maturities by year (FY2025)Peoples Bancorp: debt maturities by year (FY2025)$54.6MYear 1$4.9MYear 2$88.9MYear 3$14.8MYear 4$9.2MYear 5$36.1MAfter year 5
Principal due in each year as disclosed in the annual report, against $301M of cash and investments now.

Where the cash came from and went

Peoples Bancorp: sources (+) and uses (−) of cash, Q3 2026Peoples Bancorp: sources (+) and uses (−) of cash, Q3 2026Net borrowing (+) / repaid (−)$208MCash drawn (+) / kept (−)−$121MOther financing−$109MOperating cash flow$48.7MDividends−$15.1MOther investing−$11.0MCapital spending−$1.6MShares issued$293K
Peoples Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Peoples Bancorp: sources (+) and uses (−) of cash, 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 profit to cash

Peoples Bancorp: net income to operating cash flow, Q3 2026Peoples Bancorp: net income to operating cash flow, Q3 2026Net income$32.6MStock-based pay$2.1MDeferred revenue−$40KOperating cash flow$48.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$48.7M−$1.6M——−$15.1M$208M$293K−$121M$47.1M
Q2 2026$56.1M−$872K——−$15.1M$53.4M$443K$10.7M$55.2M
Q1 2026$34.5M−$1.2M——−$14.6M−$43.5M$353K−$1.4M$33.3M
Q4 2025$35.3M−$114K—−$383K−$14.6M—$189K$1.3M$35.2M
Q3 2025$14.4M−$1.7M——−$14.7M−$119M$490K−$4.1M$12.7M
Q2 2025$50.7M−$1.5M—−$455K−$14.6M$373M$698K$903K$49.2M
Q1 2025$34.3M−$2.7M——−$14.2M−$176M$293K$30.7M$31.5M
Q4 2024$40.0M−$197K−$1.3M—−$14.2M−$30.9M$348K$66.0M$39.8M

Peoples Bancorp: income statement and cash flow

Peoples Bancorp, Q3 2026: revenue $119M (+4% year over year), operating margin 34.6%. The chart follows the revenue to costs, profit and cash.

Peoples Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.