What is Peoples Bancorp Inc worth?
With the base-case assumptions below, a discounted cash flow model on Peoples Bancorp Inc's reported free cash flow gives $90.65 per share. The share price was $39.22 on September 25, 2026, 57% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 5.0% | 10.0% | $55.71 | +42% |
| Base | 10.0% | 9.0% | $90.65 | +131% |
| Bull | 15.0% | 8.0% | $155.82 | +297% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $116.41 | $124.35 | $134.06 | $146.19 | $161.80 |
| 8.0% | $97.12 | $102.27 | $108.36 | $115.67 | $124.60 |
| 9.0% | $83.06 | $86.58 | $90.65 | $95.39 | $100.99 |
| 10.0% | $72.37 | $74.88 | $77.72 | $80.96 | $84.70 |
| 11.0% | $63.99 | $65.82 | $67.88 | $70.19 | $72.80 |
Where the presets come from
Base: years 1 to 5 grow at Peoples Bancorp Inc's revenue growth rate over the last 5 fiscal years (10.0% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions