Inferra AI / Company / PEBO

Peoples Bancorp Inc.

PEBO · Financials

Last earnings Oct 26, 2026

Key results

EPSquarter

$0.83

Earlier this morning, we reported diluted earnings per share of $0.83 for the third quarter of 2025, an improvement compared to the linked quarter.

SEC original ↗Peoples Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 27, 2025

AI analysis

Q3 2025 · reported Oct 27, 2025

Based on: Earnings release + parent 8-K — transcript not held

EPS · Q3 2025

$0.83

EX-99 · Oct 27, 2025

Headline figures

Metric	Q3 2025	Prior qtr	Year ago
EPS	$0.83	—	—

EX-99 · Oct 27, 2025

Guidance · company-stated

Direction: Lowered

Company outlook

“Our provision for credit losses for the quarter was driven by net charge-offs, loan growth, and a slight deterioration in economic forecasts, which was partially offset by reductions in reserves for individually analyzed loans.”

Classified from the release's primary full-year outlook statement.

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

We reinvested about half of the proceeds into higher-yielding investment securities and used the remainder to pay down our borrowings.

This was due to earnings net of dividends more than offsetting the impact of loan growth on risk-weighted assets for the quarter.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Conference Call Script 3rd Quarter 2025 Results Tuesday, October 21, 2025 11 00 a.m

Based on: Earnings release + parent 8-K — transcript not held

Guidance & outlook

Direction: Lowered

Company outlook: “Our provision for credit losses for the quarter was driven by net charge-offs, loan growth, and a slight deterioration in economic forecasts, which was partially offset by reductions in reserves for individually analyzed loans.”

Company outlook — Lowered (“reductions”)
“Our provision for credit losses for the quarter was driven by net charge-offs, loan growth, and a slight deterioration in economic forecasts, which was partially offset by reductions in reserves for individually analyzed loans.”

Company outlook — Lowered (“reduction”)
“We anticipate a reduction in our net charge-offs for 2026 compared to 2025, which we expect to positively impact provision for credit losses, excluding any changes in the economic forecast.”

Classified from the release's primary full-year outlook statement.

Capital allocation

We reinvested about half of the proceeds into higher-yielding investment securities and used the remainder to pay down our borrowings.

SEC original ↗Peoples Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 27, 2025

This was due to earnings net of dividends more than offsetting the impact of loan growth on risk-weighted assets for the quarter.

SEC original ↗Peoples Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 27, 2025

We also had some floating rate borrowings that we'll look to to provide us some optionality as rates fall.

SEC original ↗Peoples Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 27, 2025

So debt-to-incomes are kind of going down a little bit year-over-year, but we're watching it.

SEC original ↗Peoples Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 27, 2025

On capital, I just wanted to gauge your appetite for buybacks and thoughts on M A and how conversations have been going as we've started to see an uptick in deal activity across the industry.

SEC original ↗Peoples Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 27, 2025

I think as we think about capital, buybacks are probably we do have an active buyback program.

SEC original ↗Peoples Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 27, 2025

Strategy & priorities

Excluding accretion income, net interest margin expanded 5 basis points, which marks our fifth straight quarter of core net interest margin expansion.

SEC original ↗Peoples Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 27, 2025

Was that more strategic or is that just a reflection of what the market's offering now Tyler Wilcox Yes.

SEC original ↗Peoples Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 27, 2025

It's pristine from a credit standpoint, so there's no kind of strategic consideration there on a reduction.

SEC original ↗Peoples Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 27, 2025

Just any detail on priorities you'd offer as you build capital.

SEC original ↗Peoples Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 27, 2025

I would say our priority is building up capital in preparation for M A and kind of supporting the dividend.

SEC original ↗Peoples Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 27, 2025

Risks & headwinds

The statements in this call, which are not historical fact, are forward-looking statements, and involve a number of risks and uncertainties detailed in the Peoples' Securities and Exchange Commission filings.

SEC original ↗Peoples Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 27, 2025

I think the affordability of vehicles, particularly as tariffs are helping finally drive up some of the pricing, is challenging for consumers.

SEC original ↗Peoples Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 27, 2025

Documents

Earnings deck slides

0 decks with slide view

Peoples Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

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