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Compared to Estimates, Peoples Bancorp (PEBO) Q1 Earnings: A Look at Key Metrics
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Peoples Bancorp (PEBO - Free Report) reported $112.35 million in revenue for the quarter ended March 2025, representing a year-over-year decline of 0.4%. EPS of $0.69 for the same period compares to $0.85 a year ago.
The reported revenue represents a surprise of -1.05% over the Zacks Consensus Estimate of $113.55 million. With the consensus EPS estimate being $0.73, the EPS surprise was -5.48%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Peoples Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Average Balance - Total earning assets: $8.28 billion versus $8.39 billion estimated by three analysts on average.
Net Interest Margin: 4.1% compared to the 4.1% average estimate based on three analysts.
Efficiency ratio: 60.7% versus 63.6% estimated by three analysts on average.
Net charge-offs as a percent of average total loans (annualized): 0.5% versus the two-analyst average estimate of 0.4%.
Mortgage banking income: $0.40 million compared to the $0.33 million average estimate based on three analysts.
Total Non-interest income: $27.10 million versus $28.11 million estimated by three analysts on average.
Electronic banking income: $5.89 million compared to the $6.37 million average estimate based on two analysts.
Bank owned life insurance income: $1.13 million compared to the $0.80 million average estimate based on two analysts.
Insurance income: $6.05 million compared to the $6.32 million average estimate based on two analysts.
Deposit account service charges: $4.02 million versus the two-analyst average estimate of $4.53 million.
Net Interest Income: $85.26 million compared to the $85.26 million average estimate based on two analysts.
Net interest income on a fully tax-equivalent basis: $85.54 million compared to the $85.45 million average estimate based on two analysts.
Shares of Peoples Bancorp have returned -9.2% over the past month versus the Zacks S&P 500 composite's -8.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Compared to Estimates, Peoples Bancorp (PEBO) Q1 Earnings: A Look at Key Metrics
Peoples Bancorp (PEBO - Free Report) reported $112.35 million in revenue for the quarter ended March 2025, representing a year-over-year decline of 0.4%. EPS of $0.69 for the same period compares to $0.85 a year ago.
The reported revenue represents a surprise of -1.05% over the Zacks Consensus Estimate of $113.55 million. With the consensus EPS estimate being $0.73, the EPS surprise was -5.48%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Peoples Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Average Balance - Total earning assets: $8.28 billion versus $8.39 billion estimated by three analysts on average.
- Net Interest Margin: 4.1% compared to the 4.1% average estimate based on three analysts.
- Efficiency ratio: 60.7% versus 63.6% estimated by three analysts on average.
- Net charge-offs as a percent of average total loans (annualized): 0.5% versus the two-analyst average estimate of 0.4%.
- Mortgage banking income: $0.40 million compared to the $0.33 million average estimate based on three analysts.
- Total Non-interest income: $27.10 million versus $28.11 million estimated by three analysts on average.
- Electronic banking income: $5.89 million compared to the $6.37 million average estimate based on two analysts.
- Bank owned life insurance income: $1.13 million compared to the $0.80 million average estimate based on two analysts.
- Insurance income: $6.05 million compared to the $6.32 million average estimate based on two analysts.
- Deposit account service charges: $4.02 million versus the two-analyst average estimate of $4.53 million.
- Net Interest Income: $85.26 million compared to the $85.26 million average estimate based on two analysts.
- Net interest income on a fully tax-equivalent basis: $85.54 million compared to the $85.45 million average estimate based on two analysts.
View all Key Company Metrics for Peoples Bancorp here>>>Shares of Peoples Bancorp have returned -9.2% over the past month versus the Zacks S&P 500 composite's -8.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.