The earnings call highlighted strong loan growth and improvements in net interest income and efficiency ratio, indicating positive operational performance. However, there were concerns about elevated charge-offs in the small ticket leasing business and increased provisions for credit losses, which slightly dampen the overall positive sentiment.

Company Guidance -

Q3 2025

During the second quarter of 2025, Peoples Bancorp Inc. reported a diluted earnings per share of $0.59, with notable improvements in several financial metrics. The company experienced an annualized loan growth of 11%, contributing to an increase in net interest income by over $2 million, while the net interest margin expanded by three basis points to 4.15%, even as accretion income declined nearly $1 million. Despite this, the core net interest margin expanded for the fourth consecutive quarter. Accretion income added 12 basis points to the net interest margin, compared to 17 basis points in the previous quarter. Peoples Bancorp's allowance for credit losses increased by $9.4 million to 1.13% of total loans, aligning more closely with peer medians. The provision for credit losses totaled $16.6 million, up $6.5 million from the previous quarter, with net charge-offs decreasing to $7 million. The tangible equity to tangible assets ratio remained stable at 8.3%, while the loan to deposit ratio increased to 86% from 83% at the previous quarter end. The company also saw growth in several loan categories, including commercial and industrial loans, residential real estate, and commercial real estate, indicating strong demand and healthy pipelines. For the remainder of 2025, Peoples Bancorp anticipates a net interest margin between 4.00% and 4.20%, fee-based income growth in the mid-single digits, and quarterly noninterest expenses between $69 million and $71 million. The company also reported a stable efficiency ratio, improved from the previous quarter, driven by higher net interest income and reduced noninterest expenses.

Strong Loan Growth

Peoples Bancorp reported an annualized loan growth of 11% for the second quarter, with balanced growth across all categories including commercial and industrial loans, residential real estate loans, and construction loans.

Net Interest Income and Margin Expansion

Net interest income increased by over $2 million and the net interest margin expanded by three basis points to 4.15%, driven by a reduction in deposit and borrowing costs.

Stable Tangible Equity Ratio

The tangible equity to tangible assets ratio remained stable at 8.3%, indicating a strong capital position.

Efficiency Ratio Improvement

The efficiency ratio improved to 59.3% for the second quarter, driven by higher net interest income and reductions in noninterest expenses.

Positive Outlook for Fee-Based Income

Fee-based income grew by 8% in the first half of 2025 compared to 2024, with expectations for mid-single-digit percentage growth for the full year.

Peoples Bancorp (PEBO) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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PEBO Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.83 / -	0.897	―	―	―
Jul 22, 2025	2025 (Q2)	0.77 / 0.60	0.838	-28.40% (-0.24)
Apr 22, 2025	2025 (Q1)	0.73 / 0.69	0.84	-17.62% (-0.15)
Jan 21, 2025	2024 (Q4)	0.75 / 0.86	1.059	-18.79% (-0.20)
Oct 22, 2024	2024 (Q3)	0.82 / 0.90	1.148	-21.86% (-0.25)	―
Jul 23, 2024	2024 (Q2)	0.84 / 0.84	1.125	-25.51% (-0.29)
Apr 23, 2024	2024 (Q1)	0.80 / 0.84	1.06	-20.75% (-0.22)	―
Jan 23, 2024	2023 (Q4)	0.96 / 1.06	0.984	7.62% (+0.07)
Oct 24, 2023	2023 (Q3)	0.93 / 1.15	1.008	13.89% (+0.14)
Jul 25, 2023	2023 (Q2)	0.76 / 1.13	0.968	16.22% (+0.16)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

PEBO Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 22, 2025	$31.55	$30.39	-3.68%
Apr 22, 2025	$27.17	$27.70	+1.95%
Jan 21, 2025	$30.49	$30.54	+0.16%
Oct 22, 2024	$29.29	$29.43	+0.48%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Peoples Bancorp Inc. (PEBO) report earnings?

Peoples Bancorp Inc. (PEBO) is schdueled to report earning on Oct 28, 2025, Before Open (Confirmed).

What is Peoples Bancorp Inc. (PEBO) earnings time?

Peoples Bancorp Inc. (PEBO) earnings time is at Oct 28, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is PEBO EPS forecast?

PEBO EPS forecast for the fiscal quarter 2025 (Q3) is 0.83.

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