Peoples Bancorp (US:PEBO) ZACKSยท2025-04-22 14:36Core Insights - Peoples Bancorp reported revenue of $112.35 million for Q1 2025, a year-over-year decline of 0.4% and a surprise of -1.05% compared to the Zacks Consensus Estimate of $113.55 million [1] - The EPS for the same quarter was $0.69, down from $0.85 a year ago, with an EPS surprise of -5.48% against the consensus estimate of $0.73 [1] Financial Performance Metrics - Total earning assets averaged $8.28 billion, slightly below the estimated $8.39 billion [4] - Net Interest Margin was reported at 4.1%, matching the average estimate [4] - Efficiency ratio stood at 60.7%, better than the estimated 63.6% [4] - Net charge-offs as a percentage of average total loans (annualized) were 0.5%, slightly above the estimate of 0.4% [4] - Mortgage banking income was $0.40 million, exceeding the average estimate of $0.33 million [4] - Total Non-interest income was $27.10 million, below the estimated $28.11 million [4] - Electronic banking income was $5.89 million, lower than the average estimate of $6.37 million [4] - Bank owned life insurance income was $1.13 million, above the estimate of $0.80 million [4] - Insurance income was $6.05 million, slightly below the estimate of $6.32 million [4] - Deposit account service charges were $4.02 million, below the estimate of $4.53 million [4] - Net Interest Income was reported at $85.26 million, matching the average estimate [4] - Net interest income on a fully tax-equivalent basis was $85.54 million, slightly above the estimate of $85.45 million [4] Stock Performance - Shares of Peoples Bancorp have returned -9.2% over the past month, compared to the Zacks S&P 500 composite's -8.9% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]