Peoples Bancorp Inc. (NASDAQ:PEBO) Beats Q4 Earnings Estimates Despite Revenue Miss

Peoples Bancorp Inc. (NASDAQ:PEBO) reported its fourth-quarter and full-year 2025 financial results, delivering a performance that surpassed analyst expectations on profitability, though it fell slightly short on the top line. The market's initial reaction appears cautiously positive, with the stock showing modest pre-market gains.

Earnings and Revenue Performance Versus Estimates

The bank's core earnings power was the standout feature of the report. For the quarter ended December 31, 2025, Peoples Bancorp reported non-GAAP earnings per share (EPS) of $0.93. This figure comfortably exceeded the consensus analyst estimate of $0.89.

On the revenue front, the results presented a more mixed picture. The company reported quarterly revenue of $117.3 million. This came in just below the analyst forecast of approximately $119.9 million, indicating a slight miss on the top-line expectations.

• Reported Q4 2025 EPS: $0.93
• Analyst Estimate for Q4 2025 EPS: $0.89
• Result vs. Estimate: Beat by $0.04
• Reported Q4 2025 Revenue: $117.3 million
• Analyst Estimate for Q4 2025 Revenue: $119.9 million
• Result vs. Estimate: Miss by $2.6 million

Market Reaction and Price Action

The immediate market response to this earnings beat, despite the revenue miss, has been favorable. The stock is indicated to trade higher in pre-market activity, showing a gain of approximately 0.93%. This suggests investors are focusing on the bank's ability to translate its operations into stronger-than-expected bottom-line profits. The positive momentum extends over a two-week period, with the stock up about 3.5%, though it remains slightly down over the past month.

• Pre-Market Performance: +0.93%
• Two-Week Performance: +3.48%
• One-Month Performance: -1.48%

Key Highlights from the Quarterly Report

Beyond the headline EPS and revenue numbers, the press release highlighted sustained growth in net income. The company reported GAAP net income of $31.8 million for Q4 2025, a significant increase from $26.9 million in the same quarter the prior year. Sequentially, earnings also grew from $29.5 million in the third quarter of 2025. This was accompanied by an announcement from the Board of Directors declaring a quarterly cash dividend of $0.41 per common share, underscoring a commitment to returning capital to shareholders.

Looking Ahead: Analyst Expectations for 2026

While the press release did not provide specific forward-looking guidance, current analyst estimates offer a glimpse into expectations for the coming year. Analysts project the company will generate revenue of approximately $483.3 million for the full year 2026, with earnings per share estimated around $3.43. For the immediate next quarter (Q1 2026), the consensus estimates are for revenue of $119.6 million and EPS of $0.81.

• Full-Year 2026 Analyst Estimates:
  • Estimated Revenue: $483.3 million
  • Estimated EPS: $3.43
• Q1 2026 Analyst Estimates:
  • Estimated Revenue: $119.6 million
  • Estimated EPS: $0.81

For a detailed breakdown of historical earnings, future estimates, and analyst ratings, you can review the data here.

Disclaimer: This article is for informational purposes only and is not intended as investment advice. The analysis is based on publicly available data and should not be construed as a recommendation to buy, sell, or hold any security. Investors should conduct their own research and consult with a qualified financial advisor before making any investment decisions.