PEBO
Peoples Bancorp Inc.31.57
+0.03+0.1%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Reaffirms guidance; M&A, leasing details
Q&A reinforced prepared guidance without major walk-backs, but surfaced details on M&A patience—targeting $3B-$5B deals in Ohio/Kentucky footprint or adjacent states, while deeming smaller ones viable amid regulatory thaw. Commercial loan demand stays robust, led by C&I and new hires, offsetting payoff delays into 2026. NorthStar leasing losses plateaued predictably at $13M balances with fresh leadership; charge-offs should ease as planned. Margin sensitivity nudged lower to 2-3bps compression per 25bps Fed cut versus scripted 3-4bps. Deposits may trail 3-5% loan growth. Management stays optimistic; watch leasing relief and LDR creep.
Key Stats
Market Cap
1.13BP/E (TTM)
11.04Basic EPS (TTM)
2.86Dividend Yield
0.05%Recent Filings
10-K
FY2025 results
Peoples Bancorp posted FY2025 net income of $106.8 million, down from $117.2 million in 2024, as higher provision for credit losses ($42.2 million versus $24.8 million) offset 2% net interest income growth to $355.2 million; net interest margin slipped to 4.14% from 4.21% due to lower accretion income. Q4 saw net charge-offs accelerate to 0.45% of average loans (derived), driven by small-ticket leases, yet loan growth persisted with commercial real estate up 10% y/y and total loans +6% to $6.76 billion. Repurchased $0.8 million in shares under the ongoing program. Year-end debt included $734 million borrowings, with ample FHLB/FRB capacity. Elevated charge-offs risk quarterly momentum.
8-K
Q4 investor deck out
Peoples Bancorp disclosed its Q4 2025 investor presentation on February 2, 2026, highlighting $9.6B assets, $6.8B loans, $7.6B deposits, and FY net income of $107M or $2.99/share. NPAs stayed low at 0.44% of assets while CRE hit 193% of risk-based capital—well managed, yet monitored. Loan growth eyed at 3-5% in 2026. Strong balance sheet shines.
8-K
Q4 EPS $0.89, 6% loan growth
Peoples Bancorp reported Q4 2025 diluted EPS of $0.89, up 7% from Q3, despite $0.04 hits from OREO sale and sub-debt redemption that cuts future funding costs $1M annually. Full-year loans grew 6%, fee income 6%, with efficiency ratio at 58.7%; tangible book value per share hit $22.77. Guides 2026 NIM 4-4.2%, loan growth 3-5%, positive operating leverage. Charge-offs plateau through H1 2026.
8-K
Q4 net income $31.8M, EPS $0.89
Peoples Bancorp posted Q4 2025 net income of $31.8 million, or $0.89 diluted EPS, up from $29.5 million prior quarter yet pressured by $8.1 million credit provision and $7.4 million charge-offs. Loans grew modestly while deposits dipped; board hiked dividend to $0.41 per share. Leadership transitions smoothly April 4 with Majka succeeding retiring Wyatt. Asset quality improved. Critics fell sharply.
8-K
Q3 investor update released
Peoples Bancorp disclosed its Q3 2025 investor presentation under Regulation FD, highlighting $9.6B assets, $6.7B loans, $7.6B deposits, and Q3 net income of $29M or $0.83/share. Loan-to-deposit ratio hit 88% with NPAs at 0.47%; fee income reached 24% YTD. Management eyes 4.00%-4.20% NIM in 2025. Assets stay rock-solid.
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