PEOPLES BANCORP (PEBO) Company Report

For Q3 2025, Peoples Bancorp Inc. reported net income of $29 million or $0.83 per diluted common share, with a Return on Average Assets of 1.22%, a Net Interest Margin of 4.16%, and an Efficiency Ratio of 57.1%.
The company demonstrated strong asset quality and capital as of September 30, 2025, with non-performing assets at 0.47% of total assets, a Tier 1 capital ratio of 12.54%, and a tangible book value per share of $22.05.
Peoples Bancorp Inc. has a history of 10 straight years of increasing dividends, offering an annualized yield of 5.83% based on the closing stock price of $28.15 on October 17, 2025.
For 2025, the Net Interest Margin is anticipated to be between 4.00% and 4.20%, and for 2026, loan growth is expected between 3% and 5%, with fee-based income growth projected between 4% and 6% compared to 2024.

Nov 3, 2025, 9:05 PM

8-K

Peoples Bancorp Inc. Reports Q3 2025 Results and Provides Future Guidance

PEBO

Earnings

Guidance Update

Revenue Acceleration/Inflection

Peoples Bancorp Inc. reported diluted earnings per share of $0.83 for the third quarter of 2025, which included a $0.06 negative impact from a $2.7 million loss on the sale of investment securities.
The company achieved 8 percent annualized loan growth and saw its net interest income increase nearly $4 million in Q3 2025, with the net interest margin expanding by 1 basis point (5 basis points excluding accretion income).
Operational efficiency improved, with the efficiency ratio reaching 57.1 percent and the tangible equity to tangible assets ratio improving to 8.5 percent in Q3 2025.
The provision for credit losses declined over 50 percent compared to the linked quarter, and the annualized quarterly net charge-off rate improved to 41 basis points.
For Q4 2025, total non-interest expense is expected to be between $69 million and $71 million, and preliminary 2026 guidance anticipates a full-year net interest margin between 4 percent and 4.2 percent and loan growth between 3 percent and 5 percent compared to 2025.

Oct 27, 2025, 4:43 PM

8-K

Peoples Bancorp Reports Q3 2025 Results with Diluted EPS of $0.83 and 8% Annualized Loan Growth

PEBO

Earnings

Guidance Update

M&A

Peoples Bancorp (PEBO) reported diluted earnings per share of $0.83 for Q3 2025, which included a $0.06 negative impact from a $2,700,000 loss on the sale of $75,000,000 of lower-yielding investment securities.
The company achieved annualized loan growth of 8% and saw its net interest margin expand by one basis point (or five basis points excluding accretion income) compared to the linked quarter. The efficiency ratio improved to 57.1%.
Asset quality improved, with non-performing loans declining to 58 basis points of total loans at September 30, 2025, and the allowance for credit losses standing at 1.11% of total loans.
For the full year 2025, PEBO expects loan growth between 4-6% and total non-interest expense between $69,000,000 and $71,000,000. The company anticipates organically crossing the $10,000,000,000 asset threshold in 2027.

Oct 21, 2025, 3:00 PM

Transcript

Peoples Bancorp Announces Third Quarter 2025 Earnings and Provides Outlook

PEBO

Earnings

Guidance Update

Peoples Bancorp reported net income of $29.5 million, or $0.83 diluted EPS, for Q3 2025, alongside 8% annualized loan growth and an improved efficiency ratio of 57.1%.
The company's tangible book value per share increased 4% to $22.05, and tangible equity to tangible assets improved to 8.53% in Q3 2025.
Net interest income improved 4% compared to the linked quarter, with the net interest margin expanding 1 basis point to 4.16% in Q3 2025.
For full-year 2025, the company anticipates loan growth between 4% and 6% and a net interest margin in the range of 4.00% to 4.20%.
Looking ahead to 2026, Peoples Bancorp expects loan growth between 3% and 5% and quarterly non-interest income (excluding gains and losses) between $27 million and $29 million.

Oct 21, 2025, 3:00 PM

Presentation

Peoples Bancorp Inc. Announces Third Quarter 2025 Results and Declares Dividend

PEBO

Earnings

Dividends

Guidance Update

Peoples Bancorp Inc. reported net income of $29.5 million and diluted earnings per common share of $0.83 for the third quarter of 2025. This includes a negative impact of $0.06 per diluted EPS due to net losses recognized on investment securities sold.
The company experienced annualized loan growth of 8% for the third quarter of 2025, with period-end total loan and lease balances increasing by $127.1 million compared to the prior quarter.
Net interest income increased 4% to $91.3 million for the third quarter of 2025, and the net interest margin slightly expanded to 4.16% from 4.15% in the linked quarter. The efficiency ratio improved to 57.1% from 59.3% in the linked quarter.
The Board of Directors declared a quarterly cash dividend of $0.41 per common share on October 20, 2025, payable on November 18, 2025. This represents a payout of approximately 49.7% of third quarter 2025 earnings.
For the full year 2025, Peoples Bancorp Inc. expects loan growth between 4% and 6% and a net interest margin between 4.00% and 4.20%.

Oct 21, 2025, 10:08 AM

8-K

Peoples Bancorp Inc. Declares Quarterly Dividend

PEBO

Dividends

Peoples Bancorp Inc. (Nasdaq: PEBO) declared a quarterly cash dividend of $0.41 per common share on October 20, 2025.
The dividend is payable on November 18, 2025, to shareholders of record on November 4, 2025.
This dividend represents a payout of approximately $14.6 million, or 49.7% of Peoples' reported third quarter 2025 earnings.
Based on the closing stock price of $28.15 on October 17, 2025, the quarterly dividend produces an annualized yield of 5.83%.

Oct 21, 2025, 10:05 AM

Press Release

Peoples Bancorp Inc. Announces Third Quarter 2025 Results

PEBO

Earnings

Peoples Bancorp Inc. reported net income of $29.5 million and diluted earnings per common share of $0.83 for the third quarter of 2025, an increase from $21.2 million net income and $0.59 diluted EPS in the second quarter of 2025.
Net interest income increased $3.8 million, or 4%, in Q3 2025 compared to the linked quarter, driven by higher investment securities yields and loan balances.
The provision for credit losses was $7.3 million for the third quarter of 2025, a decrease from $16.6 million in the second quarter of 2025.
Period-end total loan and lease balances at September 30, 2025, increased $127.1 million, or 8% annualized, compared to June 30, 2025, while total deposit balances decreased $5.0 million over the same period.
Nonperforming assets decreased $1.8 million, or 4%, in Q3 2025 compared to June 30, 2025, reflecting improved asset quality.

Oct 21, 2025, 10:00 AM

Press Release

PSB Holdings Reports Record Second Quarter Earnings and Improved Net Interest Margin

PEBO

Earnings

Dividends

Revenue Acceleration/Inflection

PSB Holdings, Inc. reported record second quarter earnings for the period ending June 30, 2025, with $0.89 per diluted common share on net income of $3.8 million, marking a 48% increase from the prior quarter.
Operating results improved due to a stronger net interest margin of 3.09% , higher non-interest income of $2.1 million , and lower non-interest expenses of $8.2 million.
The company's efficiency ratio improved to 63%.
Tangible book value per common share increased 13.1% year-over-year to $27.77 at June 30, 2025.
Non-performing assets increased to $15.6 million, or 1.04% of total assets, at June 30, 2025.

Jul 22, 2025, 12:30 PM

Press Release

Peoples Bancorp Inc. Announces Second Quarter 2025 Results

PEBO

Earnings

Dividends

Guidance Update

Peoples Bancorp Inc. reported net income of $21.2 million and diluted earnings per common share of $0.59 for the second quarter of 2025. This compares to net income of $24.3 million and diluted EPS of $0.68 for the first quarter of 2025, and $29.0 million and $0.82 for the second quarter of 2024.
The company declared a quarterly cash dividend of $0.41 per common share on July 21, 2025, payable on August 18, 2025, which represents a payout of approximately 69.0% of its second quarter 2025 earnings.
Period-end total loan and lease balances at June 30, 2025, increased $173.1 million, or 11% annualized, compared to March 31, 2025. The net interest margin expanded to 4.15% for the second quarter of 2025, up from 4.12% in the linked quarter.
The provision for credit losses increased to $16.6 million for the second quarter of 2025, compared to $10.2 million for the first quarter of 2025, negatively impacting diluted EPS by $0.36. This increase was primarily driven by net charge-offs, increased reserves on individually-analyzed loans, and deterioration in economic forecasts.
For the full year 2025, the company anticipates a decline in the provision for credit losses over the next two quarters, expects the full-year net interest margin to be between 4.00% and 4.20%, and projects loan growth between 4% and 6%.

Jul 22, 2025, 12:00 AM

8-K

Peoples Bancorp Inc Reports Q1 2025 Results

PEBO

Earnings

Dividends

EPS of $0.68 was reported for Q1 2025, with management highlighting improvements in asset quality such as lower net charge-offs and reduced nonperforming assets.
Loan growth reached 4%, driven by increases in commercial real estate, residential real estate, and consumer loans, reinforcing a balanced portfolio.
Enhanced capital metrics were noted, including a 2% increase in book value per share and a raised quarterly dividend for the 10th consecutive year, underscoring robust performance.

Apr 28, 2025, 12:00 AM

8-K