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 $94.11 per share. The share price was $38.80 on November 9, 2026, 59% 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% | $59.16 | +52% |
| Base | 10.0% | 9.0% | $94.11 | +143% |
| Bull | 15.0% | 8.0% | $159.28 | +311% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $119.86 | $127.81 | $137.52 | $149.65 | $165.25 |
| 8.0% | $100.58 | $105.73 | $111.82 | $119.13 | $128.05 |
| 9.0% | $86.52 | $90.04 | $94.11 | $98.85 | $104.45 |
| 10.0% | $75.83 | $78.34 | $81.17 | $84.42 | $88.16 |
| 11.0% | $67.45 | $69.28 | $71.33 | $73.64 | $76.26 |
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