Peoples Bancorp Inc (Marietta OH) (NAS:PEBO)
$ 37.84 +0.13 (+0.34%) Market Cap: 1.36 Bil Enterprise Value: 1.84 Bil PE Ratio: 12.13 PB Ratio: 1.12 GF Score: 65/100

Q3 2025 Peoples Bancorp Inc Earnings Call Transcript

Oct 21, 2025 / 03:00 PM GMT
Release Date Price: $29.12 (+1.46%)

Key Points

Positve
  • Peoples Bancorp Inc (Marietta OH) (PEBO) reported an improvement in diluted earnings per share to $0.83 for the third quarter of 2025.
  • The company achieved an annualized loan growth of 8% during the third quarter.
  • Net interest income increased by nearly $4 million, with a net interest margin expansion of 1 basis point.
  • The efficiency ratio improved to 57.1% from 59.3% in the previous quarter.
  • Book value per share grew by 2%, and tangible book value per share improved by 4%.
Negative
  • The sale of $75 million in investment securities resulted in a $2.7 million loss, negatively impacting earnings per share by $0.06.
  • Criticized loans increased by nearly $24 million, and classified loans grew by nearly $34 million compared to the previous quarter.
  • The provision for credit losses was driven by net charge-offs, loan growth, and a slight deterioration in economic forecasts.
  • Non-interest expenses grew by $7.7 million or 4% for the first nine months of 2025 compared to 2024.
  • The investment portfolio shrank to 20.5% of total assets, with a $2.7 million loss recognized during the quarter.


Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

PEBO.OQ - Peoples Bancorp Inc
Q3 2025 Peoples Bancorp Inc Earnings Call
Oct 21, 2025 / 03:00PM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Good morning and welcome to People's Bank Corp Incorporated conference call. My name is Gary and I will be your conference facilitator.

Today's call will cover a discussion of the results of operations for the 3 and 9 months ended September 30th, 2025.

Please be advised that all lines have been placed on mute to prevent any background noise.

After the speaker's remarks, there will be a question-and-answer period. If you would like to ask a question during this time, simply press 1 on your telephone keypad, and the questions will be taken in the order they are received. If you would like to withdraw your question, press 2.

This call is also being recorded. If you object to the recording, please
Already have an account? Log in
Get the full story
Access to All Earning Calls and Stock Analysis
30-Year Financial on one screen
All-in-one Stock Screener with unlimited filters
Customizable Stock Dashboard
Real Time Insider Trading Transactions
8,000+ Institutional investors’ 13F holdings
Powerful Excel Add-in and Google sheets Add-on
All data downloadable
Quick customer support
And much more...
30-Day 100% money back guarantee
Subscription fee may be tax deductible.
Excellent
4.6 out of 5 Trustpilot