Demonstrações financeiras detalhadas de Peoples Bancorp Inc. (PEBO): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Peoples Bancorp Inc. registou receitas de $618.4M no último exercício, com um CAGR de 5 anos de 23.7%. O lucro líquido atingiu $106.8M, com CAGR de 5 anos de 25.2%.
Margens dos últimos 12 meses: margem bruta 68.8%, margem operacional 21.7%, margem líquida 19.8%. O fluxo de caixa livre cresceu a CAGR de 9.7% em 5 anos.
Ao preço atual de $39.61, PEBO negocia a um P/L de 11.86 e um ROE de 9.85%. A capitalização de mercado é de $1.4B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $161.5M | $176.3M | $202.3M | $228.0M | $213.3M | $244.3M | $339.8M | $522.5M | $615.9M | $618.4M |
| Custo da Receita | $14.1M | $16.9M | $27.1M | $31.8M | $44.4M | $13.0M | $12.6M | $115.2M | $196.9M | $201.2M |
| Lucro Bruto | $147.3M | $159.4M | $175.2M | $196.2M | $168.9M | $231.3M | $327.2M | $407.3M | $419.0M | $417.1M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $67.0M | $69.7M | $79.5M | $88.3M | $88.3M | $112.4M | $134.4M | $178.3M | $187.6M | $188.0M |
| Despesas Operacionais | $102.1M | $102.2M | $120.3M | $130.8M | $126.2M | $174.4M | $198.5M | $262.2M | $269.6M | $282.3M |
| Lucro Operacional | $45.3M | $57.2M | $54.9M | $65.4M | $42.6M | $57.0M | $128.6M | $145.1M | $149.6M | $134.8M |
| EBITDA | $64.5M | $75.3M | $73.1M | $83.2M | $68.3M | $81.6M | $146.0M | $148.8M | $153.0M | $149.3M |
| Despesas com Juros | $10.6M | $13.1M | $21.7M | $29.3M | $18.2M | $12.2M | $16.1M | $100.0M | $172.1M | $159.1M |
| Lucro Antes de Impostos | $45.3M | $57.2M | $54.9M | $65.4M | $42.6M | $57.0M | $128.6M | $145.1M | $149.5M | $134.8M |
| Imposto | $14.1M | $18.7M | $8.7M | $11.7M | $7.9M | $9.4M | $27.3M | $31.8M | $32.3M | $28.0M |
| Lucro Líquido | $31.2M | $38.5M | $46.3M | $53.7M | $34.8M | $47.6M | $101.3M | $113.4M | $117.2M | $106.8M |
| LPA | $1.72 | $2.12 | $2.44 | $2.67 | $1.74 | $2.17 | $3.61 | $3.46 | $3.34 | $3.03 |
| LPA Diluído | $1.71 | $2.10 | $2.42 | $2.65 | $1.73 | $2.15 | $3.60 | $3.44 | $3.31 | $2.99 |
| Ações em Circulação (Diluídas) | $18.2M | $18.2M | $19.1M | $20.3M | $19.8M | $22.0M | $28.0M | $32.8M | $35.1M | $35.4M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $136.7M | $156.8M | $155.1M | $155.1M |
| Lucro Bruto | $87.9M | $109.3M | $109.0M | $109.0M |
| Lucro Operacional | $18.0M | $38.0M | $37.3M | $37.3M |
| EBITDA | $19.4M | $40.2M | $39.0M | $39.0M |
| Lucro Líquido | $29.5M | $31.8M | $29.0M | $29.0M |
| LPA | $0.83 | $0.90 | $0.82 | $0.79 |
| LPA Diluído | $0.83 | $0.89 | $0.81 | $0.78 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $66.1M | $72.2M | $77.6M | $115.2M | $152.1M | $415.7M | $154.0M | $426.7M | $217.7M | $189.0M |
| Investimentos de Curto Prazo | $777.9M | $795.2M | $791.9M | $936.1M | $753.0M | $1.28B | $1.13B | $1.05B | $1.08B | 0 |
| Contas a Receber | 0 | 0 | 0 | 0 | 0 | $122.5M | $336.6M | $403.2M | $393.7M | $6.68B |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $844.1M | $867.4M | $869.5M | $1.05B | $905.1M | $1.81B | $1.62B | $1.88B | $1.69B | $6.87B |
| Imobilizado | $53.6M | $52.5M | $56.5M | $61.8M | $60.1M | $89.3M | $82.9M | $103.9M | $103.7M | $100.5M |
| Ágio | $132.6M | $133.1M | $151.2M | $166.0M | $171.3M | $264.2M | $292.4M | $362.2M | $363.2M | $363.2M |
| Ativos Intangíveis | $13.4M | $11.5M | $10.8M | $11.8M | $13.3M | $26.8M | $33.9M | $50.0M | $39.2M | $30.1M |
| Ativos Totais | $3.43B | $3.58B | $3.99B | $4.36B | $4.76B | $7.06B | $7.21B | $9.16B | $9.25B | $9.65B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $7.61B |
| Dívida de Curto Prazo | $345.6M | $209.5M | $356.2M | $317.0M | $73.3M | $166.5M | $500.1M | $517.5M | $193.5M | $530.3M |
| Passivos Circulantes | $2.89B | $2.98B | $3.36B | $3.68B | $4.07B | $6.12B | $6.32B | $7.62B | $7.78B | $8.14B |
| Dívida de Longo Prazo | $105.2M | $144.0M | $109.6M | $83.1M | $110.6M | $99.5M | $101.1M | $216.2M | $238.1M | $204.1M |
| Passivos Totais | $3.00B | $3.12B | $3.47B | $3.76B | $4.19B | $6.22B | $6.42B | $8.10B | $8.14B | $8.44B |
| Reservas | $110.3M | $133.4M | $161.0M | $187.1M | $190.7M | $207.1M | $265.9M | $327.2M | $388.1M | $436.7M |
| Patrimônio Líquido | $435.3M | $458.6M | $520.8M | $594.4M | $575.7M | $845.0M | $785.3M | $1.05B | $1.11B | $1.21B |
| Dívida Total | $450.8M | $353.5M | $465.8M | $400.1M | $183.8M | $266.0M | $601.2M | $733.7M | $431.5M | $734.4M |
| Dívida Líquida | -$393.3M | -$513.9M | -$403.7M | -$651.2M | -$721.3M | -$1.43B | -$684.2M | -$741.3M | -$869.7M | $545.5M |
| Capital de Giro | -$2.05B | -$2.11B | -$2.49B | -$2.63B | -$3.17B | -$4.31B | -$4.70B | -$5.74B | -$6.09B | -$1.27B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $190.2M | $189.0M | $112.3M | $106.6M |
| Ativos Totais | $9.62B | $9.65B | $9.65B | $9.54B |
| Passivos Totais | $8.44B | $8.44B | $8.43B | $8.30B |
| Patrimônio Líquido | $1.18B | $1.21B | $1.22B | $1.24B |
| Dívida Total | $710.9M | $734.4M | $691.3M | $744.9M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $31.2M | $38.5M | $46.3M | $53.7M | $34.8M | $47.6M | $101.3M | $113.4M | $117.2M | $106.8M |
| Depreciação e Amortização | $19.2M | $18.1M | $18.2M | $17.9M | $25.6M | $24.6M | $17.3M | $3.7M | $3.5M | $14.5M |
| Compensação em Ações | 0 | 0 | 0 | 0 | 0 | $3.9M | $4.3M | $6.0M | $7.3M | $6.9M |
| Variação Capital de Giro | $9.7M | $6.2M | -$1.2M | -$248000 | $940000 | $6.5M | -$9.3M | $517000 | -$15.2M | -$28.1M |
| Fluxo de Caixa Operacional | $60.3M | $60.8M | $75.2M | $67.2M | $85.5M | $156.4M | $119.8M | $143.6M | $143.2M | $134.7M |
| CapEx | -$5.4M | -$4.9M | -$4.5M | -$2.8M | -$4.3M | -$6.7M | -$6.8M | -$13.5M | -$6.8M | -$6.0M |
| Aquisições | -$244000 | -$1.1M | $4.7M | $7.8M | -$94.9M | $132.7M | -$85.8M | $92.6M | -$1.6M | 0 |
| Recompra de Ações | -$5.0M | 0 | 0 | -$805000 | -$29.3M | -$1.3M | -$7.4M | -$3.0M | -$3.0M | -$3.3M |
| Dividendos Pagos | -$11.2M | -$14.7M | -$20.9M | -$25.9M | -$27.1M | -$31.0M | -$42.4M | -$51.8M | -$55.8M | -$58.1M |
| Fluxo de Caixa Livre | $54.9M | $56.0M | $70.7M | $64.3M | $81.2M | $149.7M | $113.1M | $130.2M | $136.4M | $128.7M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $14.4M | $35.3M | $34.5M | $56.1M |
| CapEx | -$1.7M | -$7.0M | -$1.2M | $1.2M |
| Fluxo de Caixa Livre | $12.7M | $28.4M | $33.3M | $57.3M |
| Dividendos Pagos | -$14.7M | -$14.6M | -$14.6M | -$15.1M |
| Compensação em Ações | 0 | 0 | -$2.1M | -$106000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +9.2% | +14.8% | +12.7% | -6.4% | +14.5% | +39.1% | +53.8% | +17.9% | +0.4% |
| Crescimento Lucro Líquido (anual) | | +23.5% | +20.2% | +16.1% | -35.3% | +36.8% | +113.0% | +11.9% | +3.4% | -8.9% |
| Crescimento LPA (anual) | | +23.3% | +15.1% | +9.4% | -34.8% | +24.7% | +66.4% | -4.2% | -3.5% | -9.3% |
| Variação de Ações (anual) | | +0.3% | +5.0% | +6.0% | -2.1% | +10.7% | +27.5% | +17.0% | +7.3% | +0.6% |
| Crescimento FCF (anual) | | +2.0% | +26.4% | -9.0% | +26.2% | +84.4% | -24.5% | +15.1% | +4.7% | -5.6% |
| Margem Bruta | 91.3% | 90.4% | 86.6% | 86.1% | 79.2% | 94.7% | 96.3% | 78.0% | 68.0% | 67.5% |
| Margem Operacional | 28.0% | 32.4% | 27.2% | 28.7% | 20.0% | 23.3% | 37.9% | 27.8% | 24.3% | 21.8% |
| Margem EBITDA | 39.9% | 42.7% | 36.2% | 36.5% | 32.0% | 33.4% | 43.0% | 28.5% | 24.8% | 24.1% |
| Margem Líquida | 19.3% | 21.8% | 22.9% | 23.6% | 16.3% | 19.5% | 29.8% | 21.7% | 19.0% | 17.3% |
| Margem FCF | 34.0% | 31.7% | 35.0% | 28.2% | 38.1% | 61.3% | 33.3% | 24.9% | 22.1% | 20.8% |
| Taxa Efetiva de Imposto | 31.2% | 32.7% | 15.8% | 17.8% | 18.5% | 16.5% | 21.3% | 21.9% | 21.6% | 20.8% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $3.02 | $3.07 | $3.70 | $3.17 | $4.09 | $6.82 | $4.04 | $3.97 | $3.88 | $3.64 |
| Dividendo por Ação | $0.62 | $0.81 | $1.09 | $1.28 | $1.36 | $1.41 | $1.51 | $1.58 | $1.59 | $1.64 |
| Ações em Circulação (Básicas) | $18.0M | $18.1M | $19.0M | $20.1M | $19.7M | $21.8M | $27.9M | $32.5M | $34.8M | $35.0M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 9.85% |
| Retorno sobre capital investido | 1.08% |
| Retorno sobre ativos | 1.25% |
| Margem bruta | 68.78% |
| Margem operacional | 21.65% |
| Margem líquida | 19.75% |
Saúde financeira
| Dívida / Patrimônio | 0.60 |
| Liquidez corrente | 0.18 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 18.87 | 15.39 | 12.34 | 12.98 | 15.57 | 14.66 | 7.83 | 9.76 | 9.49 | 9.91 |
| P/VP | 1.34 | 1.28 | 1.10 | 1.17 | 0.93 | 0.82 | 1.00 | 1.04 | 0.99 | 0.87 |
| P/V | 3.62 | 3.34 | 2.83 | 3.06 | 2.50 | 2.84 | 2.32 | 2.10 | 1.79 | 1.70 |
| Margem Bruta | 91.3% | 90.4% | 86.6% | 86.1% | 79.2% | 94.7% | 96.3% | 78.0% | 68.0% | 67.5% |
| Margem Operacional | 28.0% | 32.4% | 27.2% | 28.7% | 20.0% | 23.3% | 37.9% | 27.8% | 24.3% | 21.8% |
| Margem Líquida | 19.3% | 21.8% | 22.9% | 23.6% | 16.3% | 19.5% | 29.8% | 21.7% | 19.0% | 17.3% |