PEBOPEOPLES BANCORP INC
State Commercial Banks
- Revenue
- $87M
- 2.3% YoY
- Operating margin
- 155.4%
- 12% YoY
- EBITDA
- $143M
- 9.3% YoY
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- -1.0×
- −$146M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear126% of net incomeCash flow under 80% of net income
- Dilutive SBCClear8% of revenueOver 10% of revenue
- Payouts exceed cash flowClear44% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear4% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $61M | $70M | $80M | $85M | $87M | 2.3% |
| Operating income | $57M | $129M | $145M | $149M | $135M | 9.8% |
| Net income | $48M | $101M | $113M | $117M | $107M | 8.9% |
| Operating cash flow | $156M | $120M | $144M | $143M | $135M | 5.9% |
| Capex | $7M | $7M | $13M | $7M | $6M | 12% |
| Stock-based comp | $4M | $4M | $6M | $7M | $7M | 5.7% |
| Buybacks | $0 | $7M | $3M | $3M | $838K | 72% |
| Dividends | $31M | $42M | $52M | $56M | $58M | 3.2% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $12K · 1
- Open-market sells, 12 mo
- $177K · 2
- Net
- −$165K
Pay vs performance
No pay-versus-performance disclosure yet.