Peoples Bancorp (PEBO) Q4 EPS Beats Estimates, Revenue Grows 11.4% YoY
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 20 2026
0mins
Source: seekingalpha
- Earnings Performance: Peoples Bancorp reported a Q4 GAAP EPS of $0.89, beating estimates by $0.01, indicating stable profitability despite overall revenue falling short of expectations.
- Revenue Growth: The company achieved Q4 revenue of $117.32 million, reflecting an 11.4% year-over-year increase, although it missed market expectations, showcasing growth potential in a competitive environment.
- Net Interest Margin Decline: The net interest margin decreased to 4.12% in Q4 from 4.16% in the previous quarter, primarily due to lower loan and investment yields, partially offset by reduced funding costs, highlighting challenges in the current interest rate environment.
- Credit Loss Provision: Peoples Bancorp recorded a provision for credit losses of $8.1 million in Q4, up from $7.3 million in Q3, indicating a cautious approach towards future credit risks that may impact profitability going forward.
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Analyst Views on PEBO
Wall Street analysts forecast PEBO stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PEBO is 33.17 USD with a low forecast of 33.00 USD and a high forecast of 33.50 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
2 Buy
1 Hold
0 Sell
Moderate Buy
Current: 31.460
Low
33.00
Averages
33.17
High
33.50
Current: 31.460
Low
33.00
Averages
33.17
High
33.50
About PEBO
Peoples Bancorp Inc. is a diversified financial services holding company. The Company provides a complete line of commercial and consumer banking, trust and investment, insurance, premium financing solutions, equipment leases and equipment financing agreements through its financial subsidiaries - Peoples Bank, Peoples Insurance and Vantage. These products and services include various demand deposit accounts, savings accounts, money market accounts, certificates of deposit and governmental deposits; home equity lines of credit, insurance premium financing; commercial equipment leasing; technology equipment leasing, and debit and automated teller machine (ATM) cards. Its financial products and services are offered through its financial service offices, ATMs, and interactive teller machines, as well as through online resources that are Web-based and mobile-based. It has approximately 129 full-service bank branches in Ohio, Kentucky, West Virginia, Virginia, Washington D.C., and Maryland.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Peoples Bancorp (PEBO) Reports 7% EPS Growth in Q4 2025
- Earnings Growth: Peoples Bancorp reported a diluted EPS of $0.89 for Q4 2025, reflecting a 7% increase from the previous quarter, which exceeded analyst expectations and indicates enhanced profitability.
- Strong Loan Growth: The company achieved a 6% loan growth for the full year 2025 compared to 2024, demonstrating robust demand for loans and suggesting potential for future revenue expansion.
- Improved Fee Income: Fee-based income rose by 5% in Q4 and 6% for the full year, driven by higher lease and trust investment income, showcasing the effectiveness of the company’s diversified revenue streams.
- Credit Loss Provisions: The provision for credit losses totaled $8.1 million in Q4, reflecting a cautious approach to potential credit risks, while maintaining a stable efficiency ratio of 57.8% despite pressures from rising non-performing loans.
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Peoples Bancorp Inc. (PEBO) Reports 7% EPS Growth to $0.89 in Q4 2025
- EPS Growth: Peoples Bancorp reported diluted earnings per share of $0.89 for Q4 2025, reflecting a 7% increase from the previous quarter, despite a $0.02 negative impact from real estate sales and subordinated debt redemption, indicating stable profitability amidst challenges.
- Loan and Income Growth: The company achieved a 6% loan growth in 2025, alongside a 6% improvement in fee-based income compared to the prior year, demonstrating effective asset management and revenue diversification strategies in a fluctuating economic environment.
- Management Change: The planned retirement of Chief Commercial Banking Officer Doug Wyatt was announced, with Ron Majka stepping into the role, bringing over 30 years of experience serving middle-market companies, which is expected to provide new strategic insights and market expansion capabilities.
- Future Outlook: Management projects a net interest margin between 4% and 4.2% for 2026, with loan growth anticipated at 3% to 5%, reflecting a positive growth outlook while maintaining control over asset size to avoid exceeding the $10 billion asset threshold.
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