Peoples Bancorp Inc (PEBO) - Net Assets
Based on the latest financial reports, Peoples Bancorp Inc (PEBO) has net assets worth $1.21 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($9.65 Billion) and total liabilities ($8.44 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check asset resilience ratio of Peoples Bancorp Inc to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.21 Billion |
| % of Total Assets | 12.5% |
| Annual Growth Rate | 11.23% |
| 5-Year Change | 42.79% |
| 10-Year Change | 177.21% |
| Growth Volatility | 15.76 |
Peoples Bancorp Inc - Net Assets Trend (1991–2025)
This chart illustrates how Peoples Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Also explore balance sheet size of Peoples Bancorp Inc for the complete picture of this company's asset base.
Annual Net Assets for Peoples Bancorp Inc (1991–2025)
The table below shows the annual net assets of Peoples Bancorp Inc from 1991 to 2025. For live valuation and market cap data, see PEBO market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.21 Billion | +8.55% |
| 2024-12-31 | $1.11 Billion | +5.51% |
| 2023-12-31 | $1.05 Billion | +34.15% |
| 2022-12-31 | $785.33 Million | -7.06% |
| 2021-12-31 | $845.02 Million | +46.79% |
| 2020-12-31 | $575.67 Million | -3.15% |
| 2019-12-31 | $594.39 Million | +14.13% |
| 2018-12-31 | $520.80 Million | +13.56% |
| 2017-12-31 | $458.59 Million | +5.36% |
| 2016-12-31 | $435.26 Million | +3.69% |
| 2015-12-31 | $419.79 Million | +23.42% |
| 2014-12-31 | $340.12 Million | +53.52% |
| 2013-12-31 | $221.55 Million | -0.08% |
| 2012-12-31 | $221.73 Million | +7.29% |
| 2011-12-31 | $206.66 Million | -10.41% |
| 2010-12-31 | $230.68 Million | -5.45% |
| 2009-12-31 | $243.97 Million | +30.73% |
| 2008-12-31 | $186.63 Million | -7.99% |
| 2007-12-31 | $202.84 Million | +2.87% |
| 2006-12-31 | $197.17 Million | +7.70% |
| 2005-12-31 | $183.08 Million | +4.37% |
| 2004-12-31 | $175.42 Million | +2.66% |
| 2003-12-31 | $170.88 Million | -3.06% |
| 2002-12-31 | $176.27 Million | +43.42% |
| 2001-12-31 | $122.91 Million | +9.53% |
| 2000-12-31 | $112.22 Million | +10.12% |
| 1999-12-31 | $101.90 Million | +18.49% |
| 1998-12-31 | $86.00 Million | +9.14% |
| 1997-12-31 | $78.80 Million | +40.21% |
| 1996-12-31 | $56.20 Million | +9.13% |
| 1995-12-31 | $51.50 Million | +12.94% |
| 1994-12-31 | $45.60 Million | +6.54% |
| 1993-12-31 | $42.80 Million | +11.17% |
| 1992-12-31 | $38.50 Million | +18.83% |
| 1991-12-31 | $32.40 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Peoples Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 2273.6% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $436.75 Million | 36.20% |
| Common Stock | $871.57 Million | 72.23% |
| Other Comprehensive Income | $-70.63 Million | -5.85% |
| Total Equity | $1.21 Billion | 100.00% |
Peoples Bancorp Inc Competitors by Market Cap
The table below lists competitors of Peoples Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
ATOSS Software SE
F:AOF
|
$1.24 Billion |
|
HEG Limited
NSE:HEG
|
$1.24 Billion |
|
Flow Traders BV
AS:FLOW
|
$1.24 Billion |
|
Zug Estates Holding AG
SW:ZUGN
|
$1.24 Billion |
|
Beijing Watertek Information Technology Co Ltd
SHE:300324
|
$1.24 Billion |
|
Shanghai Medicilon Inc
SHG:688202
|
$1.24 Billion |
|
Jingsu Jingshen Salt&Chem
SHG:603299
|
$1.24 Billion |
|
Xining Special Steel Co Ltd
SHG:600117
|
$1.24 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Peoples Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,111,590,000 to 1,206,602,000, a change of 95,012,000 (8.5%).
- Net income of 106,778,000 contributed positively to equity growth.
- Dividend payments of 58,136,000 reduced retained earnings.
- Share repurchases of 3,319,000 reduced equity.
- New share issuances of 1,670,000 increased equity.
- Other comprehensive income increased equity by 39,757,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $106.78 Million | +8.85% |
| Dividends Paid | $58.14 Million | -4.82% |
| Share Repurchases | $3.32 Million | -0.28% |
| Share Issuances | $1.67 Million | +0.14% |
| Other Comprehensive Income | $39.76 Million | +3.29% |
| Other Changes | $8.26 Million | +0.68% |
| Total Change | $- | 8.55% |
Book Value vs Market Value Analysis
This analysis compares Peoples Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.01x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 6.30x to 1.01x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1991-12-31 | $5.50 | $34.63 | x |
| 1992-12-31 | $5.72 | $34.63 | x |
| 1993-12-31 | $6.09 | $34.63 | x |
| 1994-12-31 | $6.51 | $34.63 | x |
| 1995-12-31 | $7.53 | $34.63 | x |
| 1996-12-31 | $6.95 | $34.63 | x |
| 1997-12-31 | $9.54 | $34.63 | x |
| 1998-12-31 | $7.78 | $34.63 | x |
| 1999-12-31 | $7.43 | $34.63 | x |
| 2000-12-31 | $9.02 | $34.63 | x |
| 2001-12-31 | $9.67 | $34.63 | x |
| 2002-12-31 | $17.20 | $34.63 | x |
| 2003-12-31 | $16.03 | $34.63 | x |
| 2004-12-31 | $16.38 | $34.63 | x |
| 2005-12-31 | $17.30 | $34.63 | x |
| 2006-12-31 | $18.39 | $34.63 | x |
| 2007-12-31 | $19.26 | $34.63 | x |
| 2008-12-31 | $18.03 | $34.63 | x |
| 2009-12-31 | $23.52 | $34.63 | x |
| 2010-12-31 | $22.11 | $34.63 | x |
| 2011-12-31 | $19.72 | $34.63 | x |
| 2012-12-31 | $21.06 | $34.63 | x |
| 2013-12-31 | $20.75 | $34.63 | x |
| 2014-12-31 | $27.64 | $34.63 | x |
| 2015-12-31 | $23.73 | $34.63 | x |
| 2016-12-31 | $23.97 | $34.63 | x |
| 2017-12-31 | $25.18 | $34.63 | x |
| 2018-12-31 | $27.24 | $34.63 | x |
| 2019-12-31 | $29.32 | $34.63 | x |
| 2020-12-31 | $29.01 | $34.63 | x |
| 2021-12-31 | $38.48 | $34.63 | x |
| 2022-12-31 | $28.05 | $34.63 | x |
| 2023-12-31 | $32.16 | $34.63 | x |
| 2024-12-31 | $31.63 | $34.63 | x |
| 2025-12-31 | $34.13 | $34.63 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Peoples Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.85%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.27%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.00x
- Recent ROE (8.85%) is below the historical average (9.36%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1991 | 11.11% | 8.55% | 0.10x | 13.10x | $360.00K |
| 1992 | 11.95% | 11.17% | 0.09x | 12.17x | $750.00K |
| 1993 | 11.92% | 12.98% | 0.08x | 10.87x | $820.00K |
| 1994 | 12.50% | 14.29% | 0.08x | 10.92x | $1.14 Million |
| 1995 | 11.84% | 12.82% | 0.09x | 10.55x | $950.00K |
| 1996 | 13.70% | 14.64% | 0.09x | 10.97x | $2.08 Million |
| 1997 | 10.91% | 14.41% | 0.08x | 9.62x | $720.00K |
| 1998 | 11.63% | 14.12% | 0.08x | 10.24x | $1.40 Million |
| 1999 | 14.68% | 13.41% | 0.07x | 14.75x | $3.41 Million |
| 2000 | 13.37% | 11.83% | 0.08x | 13.65x | $2.81 Million |
| 2001 | 13.14% | 12.75% | 0.08x | 12.72x | $2.95 Million |
| 2002 | 12.74% | 19.09% | 0.07x | 9.47x | $4.03 Million |
| 2003 | 9.51% | 14.89% | 0.06x | 10.16x | $-834.00K |
| 2004 | 10.42% | 16.73% | 0.06x | 10.31x | $733.20K |
| 2005 | 11.20% | 16.41% | 0.07x | 10.13x | $2.19 Million |
| 2006 | 10.93% | 15.41% | 0.07x | 9.51x | $1.84 Million |
| 2007 | 9.03% | 13.20% | 0.07x | 9.30x | $-1.97 Million |
| 2008 | 3.99% | 5.30% | 0.07x | 10.73x | $-11.21 Million |
| 2009 | 1.72% | 3.09% | 0.07x | 8.21x | $-20.21 Million |
| 2010 | 2.42% | 4.59% | 0.07x | 7.97x | $-17.49 Million |
| 2011 | 6.08% | 12.09% | 0.06x | 8.68x | $-8.11 Million |
| 2012 | 9.19% | 19.84% | 0.05x | 8.65x | $-1.79 Million |
| 2013 | 7.93% | 17.37% | 0.05x | 9.29x | $-4.58 Million |
| 2014 | 4.91% | 14.37% | 0.05x | 7.55x | $-17.33 Million |
| 2015 | 2.61% | 7.24% | 0.05x | 7.76x | $-31.04 Million |
| 2016 | 7.16% | 19.30% | 0.05x | 7.89x | $-12.37 Million |
| 2017 | 8.39% | 21.82% | 0.05x | 7.81x | $-7.39 Million |
| 2018 | 8.88% | 22.87% | 0.05x | 7.67x | $-5.82 Million |
| 2019 | 9.03% | 23.55% | 0.05x | 7.33x | $-5.74 Million |
| 2020 | 6.04% | 16.30% | 0.04x | 8.27x | $-22.80 Million |
| 2021 | 5.63% | 19.47% | 0.03x | 8.36x | $-36.95 Million |
| 2022 | 12.90% | 29.81% | 0.05x | 9.18x | $22.76 Million |
| 2023 | 10.76% | 21.70% | 0.06x | 8.69x | $8.01 Million |
| 2024 | 10.54% | 19.03% | 0.07x | 8.33x | $6.05 Million |
| 2025 | 8.85% | 17.27% | 0.06x | 8.00x | $-13.88 Million |
Industry Comparison
This section compares Peoples Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Peoples Bancorp Inc (PEBO) | $1.21 Billion | 11.11% | 7.00x | $1.24 Billion |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Peoples Bancorp Inc
Peoples Bancorp Inc. operates as the financial holding company for Peoples Bank that provides commercial and consumer banking products and services. The company accepts various deposit products, including demand deposit accounts, savings accounts, money market accounts, certificates of deposit, and governmental deposits; and provides commercial and industrial, commercial real estate, construction… Read more