Peoples Bancorp (US:PEBO) ZACKSยท2025-01-15 15:20Core Viewpoint - Analysts expect Peoples Bancorp (PEBO) to report quarterly earnings of $0.75 per share, reflecting a year-over-year decline of 27.9%, with revenues projected at $109.45 million, down 3.1% from the previous year [1]. Earnings Estimates - Revisions to earnings estimates are crucial indicators for predicting investor actions regarding the stock, with empirical research showing a strong correlation between earnings estimate trends and short-term stock performance [2]. Key Metrics Projections - The consensus estimate for 'Average Balance - Total earning assets' is $8.29 billion, up from $7.86 billion year-over-year [4]. - Analysts project 'Net Interest Margin' to be 4.1%, down from 4.4% in the previous year [4]. - The expected 'Efficiency ratio' is 61.9%, compared to 56% a year ago [4]. Non-Interest Income Estimates - The consensus for 'Total Non-interest income' is $25.18 million, up from $24.13 million year-over-year [5]. - 'Electronic banking income' is expected to reach $6.45 million, down from $6.84 million in the previous year [5]. - 'Insurance income' is projected at $4.40 million, slightly up from $4.34 million reported last year [5]. Interest Income Projections - 'Deposit account service charges' are forecasted at $4.54 million, compared to $4.49 million in the same quarter last year [6]. - 'Net Interest Income' is expected to be $84.74 million, down from $88.37 million year-over-year [6]. - 'Net interest income on a fully tax-equivalent basis' is projected at $84.85 million, compared to $88.78 million reported last year [7]. Market Performance - Shares of Peoples Bancorp have decreased by 8.3% over the past month, while the Zacks S&P 500 composite has moved down by 3.3% [8]. - With a Zacks Rank 4 (Sell), PEBO is anticipated to underperform the overall market in the near future [8].