The earnings call presented a mix of positive and negative aspects. While the company demonstrated strong loan growth, net interest margin expansion, and improved efficiency, it also faced challenges with elevated charge-offs in its small ticket leasing business and increased provisions for credit losses. The recognition as a great workplace and the stable fee-based income were additional positives, but the profitability challenges in the NorthStar business and increased nonperforming assets were concerning.

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 various financial metrics. The annualized loan growth reached 11%, while net interest income increased by over $2 million, contributing to a net interest margin expansion of three basis points to 4.15%. This growth was accompanied by a decline in accretion income, which added 12 basis points to the net interest margin compared to 17 basis points in the previous quarter. Noninterest expenses decreased to $70.4 million, within the guided range, and the tangible equity to tangible assets ratio remained stable at 8.3%. The provision for credit losses rose to $16.6 million, driven by factors including net charge-offs and increased reserves, while the annualized net charge-off rate improved to 43 basis points. The company experienced balanced loan growth across multiple categories, totaling $173 million, or 11% annualized. Peoples Bancorp anticipates a full-year net interest margin between 4.00% and 4.20% and expects loan growth of 4% to 6% compared to the previous year.

Strong Loan Growth

The bank achieved an annualized loan growth of 11% compared to the linked quarter end, with balanced growth across multiple loan categories including commercial and industrial loans, residential real estate loans, and premium finance loans.

Net Interest Margin Expansion

Net interest margin expanded by three basis points to 4.15% in the second quarter. This marks the fourth consecutive quarter of core net interest margin expansion.

Stable Fee-Based Income

Fee-based income remained stable despite a reduction in insurance income, with improvements in lease income, electronic banking income, and commercial loan swap fees.

Efficiency Ratio Improvement

The reported efficiency ratio improved to 59.3% from 60.7% in the linked quarter, driven by higher net interest income and reductions in noninterest expenses.

Recognition as Great Workplace

The company was recognized for the second year in a row as one of America's greatest workplaces by Newsweek, reflecting its commitment to its employees.

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 28, 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 28, 2025	$28.96	$29.35	+1.35%
Apr 22, 2025	$26.78	$27.30	+1.94%
Jan 21, 2025	$30.05	$30.10	+0.17%
Oct 22, 2024	$28.86	$29.00	+0.49%

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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