PEOPLES BANCORP INC (NASDAQ:PEBO) Q3 2025 Earnings: EPS Beats, Revenue Misses Estimates

Earnings Overview

Peoples Bancorp Inc (NASDAQ:PEBO) reported financial results for the third quarter of 2025, revealing a performance that diverged from analyst expectations in key areas. The company announced net income of $29.5 million, translating to earnings per diluted common share of $0.83. This quarterly report highlights a sequential improvement from the previous quarter but falls short of the performance achieved in the same period last year.

Revenue and EPS Versus Estimates

The third quarter presented a mixed picture when comparing the company's reported figures against Wall Street forecasts. While the bottom-line earnings figure showed strength, the top-line revenue came in lighter than anticipated.

• Earnings Per Share (EPS): The company reported a non-GAAP EPS of $0.90, which surpassed the analyst consensus estimate of $0.8419.
• Revenue: Reported revenue for the quarter was $115.18 million. This failed to meet the analyst estimate of $119.38 million.

The ability to exceed earnings expectations despite a revenue shortfall often points to effective cost management or other income sources bolstering profitability. However, the market's primary focus appears to have settled on the revenue miss.

Market Reaction and Price Action

The immediate market reaction to the earnings release has been negative. In pre-market trading, the stock is indicating a significant downward move. This price action suggests that investors are weighing the revenue miss more heavily than the earnings beat.

• Pre-Market Performance: -2.09%
• Recent Trajectory: This negative reaction compounds a challenging recent period for the stock, which has seen declines over the past two weeks and month.

The sell-off indicates that the market was likely anticipating a stronger overall performance, particularly on the revenue front, and is reassessing the company's growth trajectory in the near term.

Key Elements from the Press Release

Beyond the headline earnings and revenue numbers, the press release provided context for the company's quarterly performance. Peoples Bancorp's net income of $29.5 million represents a substantial increase from the $21.2 million reported in the second quarter of 2025. However, it also reflects a decrease from the $31.7 million earned in the third quarter of 2024. This comparison illustrates a recovery from the immediately preceding quarter but a slight year-over-year contraction in profitability. In a separate announcement, the company also declared a quarterly cash dividend of $0.41 per common share, reaffirming its commitment to returning capital to shareholders.

Looking Ahead

Analyst estimates for the coming periods provide a benchmark for future performance. For the fourth quarter of 2025, the consensus estimates are as follows:

• Estimated Q4 2025 Revenue: $119.85 million
• Estimated Q4 2025 EPS: $0.8518

For the full 2025 year, analysts are estimating sales of $471.25 million. The company did not provide a specific financial outlook in the press release to compare against these estimates. The absence of forward guidance means the market will be closely monitoring subsequent announcements and economic indicators affecting the regional banking sector for clues about the company's ability to meet these expectations.

For a detailed breakdown of historical earnings, future estimates, and analyst projections, review the complete data available on the PEBO earnings and estimates page.

Disclaimer: This article is for informational purposes only and does not constitute financial advice or a recommendation to buy or sell any security. Investors should conduct their own research and consult with a qualified financial advisor before making any investment decisions.