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Investor Relations14 Oct 2025
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Peoples Bancorp (PEBO) investor relations material
Peoples Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 was $21.2M ($0.59 per diluted share), down from $29.0M in Q2 2024, with annualized loan growth of 11% and margin expansion to 4.15%.
Pre-provision net revenue exceeded consensus estimates; tangible equity to tangible assets ratio stable at 8.26%.
Book value per share grew 1%, tangible book value per share up 2% to $21.18.
Higher provision for credit losses impacted results, mainly from small ticket leasing and economic forecast deterioration.
Focus remains on sustainable growth, shareholder returns, and positive operating leverage.
Financial highlights
Net interest income rose over $2M sequentially to $87.6M, with net interest margin expanding 3 bps to 4.15%.
Provision for credit losses was $16.6M, up from $10.2M in Q1 and $5.7M in Q2 2024, driven by small ticket leasing and CECL model updates.
Non-interest income (excluding gains/losses) declined 1% sequentially but grew 8% year-over-year for H1 2025.
Efficiency ratio improved to 59.3% from 60.7% in Q1 2025.
Allowance for credit losses increased to 1.13% of total loans at June 30, 2025.
Outlook and guidance
Full-year net interest margin expected between 4.00% and 4.20%, assuming three 25 bps Fed rate cuts in H2 2025.
Loan growth guidance maintained at 4–6% for 2025, with optimism for the higher end.
Fee-based income growth projected in mid-single digits year-over-year.
Quarterly noninterest expense expected between $69M and $71M for Q3 and Q4 2025.
Small ticket leasing net charge-offs expected to plateau in H2 2025.
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Next Peoples Bancorp earnings date
Q3 202521 Oct, 2025
Next Peoples Bancorp earnings date
Q3 202521 Oct, 2025
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Frequently asked questions
Peoples Bancorp Inc. ("Peoples", Nasdaq: PEBO) is a diversified financial services holding company that makes available a complete line of banking, trust and investment, insurance, premium financing and equipment leasing solutions through its subsidiaries. Peoples has been headquartered in Marietta, Ohio since 1902. Peoples' vision is to be the Best Community Bank in America. Peoples offers services through Peoples Bank (which includes the divisions of Peoples Investment Services, Peoples Premium Finance and North Star Leasing), Peoples Insurance Agency, LLC and Vantage Financial.
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