Peoples Bancorp (PEBO Quick QuotePEBO - Free Report) reported $114.46 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 4.4%. EPS of $0.60 for the same period compares to $0.84 a year ago.

The reported revenue represents a surprise of +1.38% over the Zacks Consensus Estimate of $112.9 million. With the consensus EPS estimate being $0.78, the EPS surprise was -23.08%.

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.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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: $8.38 billion compared to the $8.41 billion average estimate based on three analysts.
• Net Interest Margin: 4.2% compared to the 4.1% average estimate based on three analysts.
• Efficiency ratio: 59.3% versus 61.5% estimated by three analysts on average.
• Net charge-offs as a percent of average total loans (annualized): 0.4% versus 0.4% estimated by two analysts on average.
• Mortgage banking income: $0.22 million versus the three-analyst average estimate of $0.62 million.
• Total Non-interest income: $26.88 million versus $25.87 million estimated by three analysts on average.
• Electronic banking income: $6.27 million compared to the $6.1 million average estimate based on two analysts.
• Bank owned life insurance income: $1.11 million versus the two-analyst average estimate of $0.95 million.
• Insurance income: $4.55 million compared to the $4.38 million average estimate based on two analysts.
• Deposit account service charges: $4.06 million versus the two-analyst average estimate of $4.05 million.
• Net Interest Income: $87.58 million versus the two-analyst average estimate of $87.11 million.
• Net interest income on a fully tax-equivalent basis: $87.86 million versus the two-analyst average estimate of $87.11 million.

View all Key Company Metrics for Peoples Bancorp here>>>

Shares of Peoples Bancorp have returned +5.6% over the past month versus the Zacks S&P 500 composite's +5.9% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.