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Peoples Bancorp (PEBO) investor relations material
Peoples Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Net income for Q3 2025 was $29.5 million, or $0.83 diluted EPS, up from Q2 2025 but down from Q3 2024, with EPS reduced by a $2.7M loss on securities sales.
Annualized loan growth reached 8% for the quarter, with book value per share up 2% and tangible book value per share up 4% sequentially.
Net interest income rose 4% sequentially, net interest margin expanded for the fifth consecutive quarter (excluding accretion income), and efficiency ratio improved to 57.1% from 59.3%.
Non-interest expenses declined 1% sequentially but increased 4–6% year-over-year, mainly due to higher salaries and technology costs.
Provision for credit losses was $7.3M, up from Q3 2024 but down from Q2 2025.
Financial highlights
Net interest income for Q3 2025 was $91.3M, up 4% sequentially and 3% year-over-year; net interest margin was 4.16%, up from Q2 but down from Q3 2024.
Investment securities yield improved to 3.79% from 3.52% sequentially.
Non-interest income (excluding gains/losses) grew 7% year-over-year for the first nine months, driven by lease, swap, and trust income.
Non-interest expense for Q3 2025 was $69.9M, up year-over-year, with efficiency ratio at 57.1%.
Book value and tangible book value per share both increased sequentially, with tangible book value per share at $22.05.
Outlook and guidance
Net interest margin for Q4 2025 and 2026 expected between 4.00% and 4.20%, assuming two 25bp Fed rate cuts, with each cut reducing margin by 3–4bps.
Fee-based income growth projected in the mid-single digits for 2025; non-interest expense for Q4 guided to $69–$71M.
Loan growth for 2025 expected between 4% and 6% year-over-year; 2026 loan growth forecast at 3–5%.
Provision for credit losses expected to remain similar to Q3 barring economic changes.
Management expects to maintain momentum into Q4 and focus on driving shareholder value.
Future impact of lower accretion income on NIM?
Rationale for selling AFS securities at a loss?
Explain rising criticized/classified loans vs. lower NPAs.
Quantify expected criticized/classified loan reversion?
How will you manage assets near $10B threshold?
North Star loss content evolution through 2026?
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Next Peoples Bancorp earnings date
Q4 202520 Jan, 2026
Next Peoples Bancorp earnings date
Q4 202520 Jan, 2026
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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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