Q3 2025 Peoples Bancorp Inc Earnings Call Transcript

Oct 21, 2025 / 03:00 PM GMT

Release Date Price: $29.12 (+1.46%)

Transcript 10-Q8-K8-K

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

Subscribe Now

	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

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.