Peoples Bancorp (US:PEBO) ZACKSยท2025-07-22 14:31Core Insights - Peoples Bancorp reported revenue of $114.46 million for the quarter ended June 2025, marking a year-over-year increase of 4.4% and a surprise of +1.38% over the Zacks Consensus Estimate of $112.9 million [1] - The EPS for the same period was $0.60, down from $0.84 a year ago, resulting in an EPS surprise of -23.08% compared to the consensus estimate of $0.78 [1] Financial Performance Metrics - Total earning assets averaged $8.38 billion, slightly below the average estimate of $8.41 billion [4] - Net Interest Margin was reported at 4.2%, exceeding the average estimate of 4.1% [4] - Efficiency ratio stood at 59.3%, better than the estimated 61.5% [4] - Net charge-offs as a percentage of average total loans (annualized) were 0.4%, matching the average estimate [4] - Mortgage banking income was $0.22 million, significantly lower than the average estimate of $0.62 million [4] - Total Non-interest income reached $26.88 million, surpassing the estimated $25.87 million [4] - Electronic banking income was $6.27 million, slightly above the average estimate of $6.1 million [4] - Bank owned life insurance income was $1.11 million, exceeding the average estimate of $0.95 million [4] - Insurance income was reported at $4.55 million, above the average estimate of $4.38 million [4] - Deposit account service charges totaled $4.06 million, slightly above the average estimate of $4.05 million [4] - Net Interest Income was $87.58 million, higher than the average estimate of $87.11 million [4] - Net interest income on a fully tax-equivalent basis was $87.86 million, also exceeding the average estimate of $87.11 million [4] Stock Performance - Shares of Peoples Bancorp have returned +5.6% over the past month, compared to the Zacks S&P 500 composite's +5.9% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]