10-K · February 26, 2026
Peoples Bancorp describes a community-banking strategy focused on organic growth and targeted acquisitions to expand non-traditional products (insurance, equipment financing, premium finance) and increase market share…
Earnings analysis · 10-Q
PEBO earnings analysis
Filed April 30, 2026 · Our reading of the company's report
The latest report
Peoples Bancorp exceeded expectations in Q1 2026, reporting revenue of $119.33 million, surpassing estimates of $118.47 million, and GAAP diluted EPS of $0.81, above the expected $0.80. The company also highlighted a…
Read full summary
Peoples Bancorp exceeded expectations in Q1 2026, reporting revenue of $119.33 million, surpassing estimates of $118.47 million, and GAAP diluted EPS of $0.81, above the expected $0.80. The company also highlighted a modest net interest margin expansion and ongoing loan growth, despite a significant provision for credit losses related to financial prudence in uncertain economic times.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.81
What stood out
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Revenue Beat Expectations
Q1 revenue was $119.33 million, exceeding estimates of $118.47 million.
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EPS Exceeds Consensus
The diluted EPS was $0.81, slightly above the expected $0.80.
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Net Interest Margin Expansion
There was a 4 basis-point expansion in net interest margin for the quarter.
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Loan Growth Recorded
The company reported a loan growth of $13 million.
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Implementation of Strategic Acquisition
Peoples announced a merger with Citizens National, expanding its assets by approximately $700 million.
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Management Guidance for FY2026
Management expects net interest margin between 4.0% and 4.2% for FY2026.
What to watch
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Credit Loss Provisions
Provision for credit losses was $9.7 million, indicating some concerns about borrower repayment.
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Merger Termination Fee Exposure
A $3 million termination fee may affect financials if the merger does not proceed.
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Potential Dilution from Merger Consideration
The merger with Citizens National could lead to dilution if not properly managed.
Management's outlook
Management expects positive operating leverage and a net interest margin between 4.0% and 4.2% for FY2026.
Earlier filings 4
10-Q · October 30, 2025
Peoples Bancorp reported Q3 results with diluted EPS of $0.83 and combined interest and non-interest income of $156,635,000 for the three months ended September 30, 2025. Loan balances grew to $6,728,728,000 and total…
10-Q · July 31, 2025
Peoples Bancorp reported quarter-to-June 30, 2025 net income of $21,212,000 and diluted EPS of $0.59, both down versus the year-ago quarter. Revenue drivers were stable: net interest income rose slightly to $87,577,000…
10-Q · August 1, 2024
Peoples Bancorp reported quarterly net income of $29,007 and diluted EPS of $0.82 for the three months ended June 30, 2024, up from $21,096 and $0.64 in Q2 2023. Net interest income improved modestly to $86,613 while…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.