Education
About Us
Working with TipRanks
Follow Us
Peoples Bancorp Inc. (PEBO)
NASDAQ:PEBO
Earnings Data
Report Date
Apr 28, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.79Last Year’s EPS
0.69Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call balanced encouraging operating and capital trends—EPS beat, solid full-year loan growth (6%), fee income growth, improved regulatory capital ratios, targeted reductions in higher-risk leasing exposure, and immediate funding-cost savings from subordinated debt redemption—against persistent credit-related headwinds, notably elevated net charge-offs (44 bps annualized), a higher provision for credit losses ($8.1M in Q4), NIM pressure driven by a significant year-over-year decline in accretion income, and some one-time losses. Management provided constructive 2026 guidance (NIM ~4.2% including one 25 bps cut, fee-based income $28–30M quarterly, loan growth 3–5%, and expected reduction in net charge-offs), and emphasized ongoing investments and capital flexibility, indicating a cautious but optimistic outlook.Company Guidance
Quarterly EPS Beat and Growth
Diluted EPS of $0.89 for Q4, a 7% increase versus the linked quarter and slightly above consensus of $0.88.
Full-Year Loan Growth
Full-year 2025 loan growth of 6% versus 2024, reaching the top end of prior guidance; quarter-over-quarter loan growth annualized at 2% with balances up nearly $30 million versus September 30 (commercial & industrial +$46M; construction +$40M).
Fee-Based Income Improvement
Fee-based income rose 5% in Q4 versus the linked quarter and grew 6% for the full year 2025 versus 2024, driven by higher lease income, deposit service charges, mortgage banking, and trust & investment income.
Capital and Book Value Progress
Tangible equity to tangible assets ratio improved 26 basis points to 8.8%; Common Equity Tier 1 and Tier 1 ratios each increased 18 basis points; book value per share increased 2% and tangible book value per share improved 3% to $22.77.
Proactive Funding and Funding-Cost Savings
Redeemed subordinated debt incurring a one-time ~ $800,000 loss but expected to save approximately $1.0M annually in funding costs; tangible book value earn-back period on the transaction estimated at under one year.
Risk Reduction in Small-Ticket Leasing
Small-ticket leasing balance materially reduced to $13.0M at year-end from $35.0M at year-end 2024; company has stopped originating these lease types to reduce future charge-off risk.
OREO and Nonperforming Asset Management
Sale of an OREO property (resulting in an $850,000 loss) meaningfully reduced nonperforming assets and lowered legacy OREO exposure.
Net Interest Income and Accretion Performance
Net interest income up 2% for full-year 2025 versus 2024 on a reported basis; Q4 accretion income was $1.8M (contributed ~8 bps to NIM), and excluding accretion income NII grew by over $22M with NIM expansion of 12 bps year-over-year on that basis.
Operational Investments and Culture Recognition
Continued investments in technology, automation, data integration, and talent; recognized by American Bankers' Best Banks to Work For for the fifth consecutive year (achievement attained by ~1% of U.S. banks).
Deposit and Balance Sheet Positives Year-over-Year
Compared to the prior year, total deposits excluding brokered CDs increased nearly $160M with non-interest-bearing deposits up $38M; loan-to-deposit ratio remained around 89% at year-end.
PEBO Earnings History
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 |
|---|---|---|---|
Jan 20, 2026 | $31.21 | $31.57 | +1.15% |
Nov 03, 2025 | $28.19 | $28.43 | +0.85% |
Jul 28, 2025 | $28.55 | $28.93 | +1.33% |
Apr 22, 2025 | $26.40 | $26.91 | +1.93% |
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 Apr 28, 2026, Before Open (Confirmed).
What is Peoples Bancorp Inc. (PEBO) earnings time?
Peoples Bancorp Inc. (PEBO) earnings time is at Apr 28, 2026, 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 2026 (Q1) is 0.79.