Peoples Bancorp (PEBO Quick QuotePEBO - Free Report) reported $115.18 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 1.3%. EPS of $0.90 for the same period compares to $0.89 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $117.05 million, representing a surprise of -1.6%. The company delivered an EPS surprise of +8.43%, with the consensus EPS estimate being $0.83.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

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: $8.65 billion versus the three-analyst average estimate of $8.63 billion.
• Net Interest Margin: 4.2% versus 4.2% estimated by three analysts on average.
• Efficiency ratio: 57.1% compared to the 60.1% average estimate based on three analysts.
• Net charge-offs as a percent of average total loans (annualized): 0.4% versus the two-analyst average estimate of 0.4%.
• Mortgage banking income: $0.25 million versus $0.28 million estimated by three analysts on average.
• Total Non-interest income: $23.83 million versus the three-analyst average estimate of $27.16 million.
• Electronic banking income: $6.54 million versus $6.42 million estimated by two analysts on average.
• Bank owned life insurance income: $1.14 million versus the two-analyst average estimate of $1.1 million.
• Insurance income: $4.47 million versus the two-analyst average estimate of $4.66 million.
• Deposit account service charges: $4.27 million compared to the $4.12 million average estimate based on two analysts.
• Net Interest Income: $91.35 million versus $89.83 million estimated by two analysts on average.
• Net interest income on a fully tax-equivalent basis: $91.63 million compared to the $89.82 million average estimate based on two analysts.

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

Shares of Peoples Bancorp have returned -5.4% over the past month versus the Zacks S&P 500 composite's +1.2% 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.