PEOPLES BANCORP INC (PEBO) Form 8-K — Oct 26, 2026
Peoples Bancorp reported Q3 FY2026 diluted EPS of $0.91; adjusted for one-time items, EPS was $1.04, beating consensus of $0.93. Results included a $4.5 million securities loss tied to staying under $10 billion in assets ahead of the Citizens merger, and $1.5 million of acquisition-related expenses. Credit quality improved, with the provision for credit losses down 24% to $3.6 million and non-performing loans down 11% from the prior quarter. Return on average assets was 1.36% and return on average equity 10.44%, with the net interest margin expanding 8 basis points.
Key figures
- Eps
- 0.91
- Revenue
- 124521000
- Guidance
- FY2026 NIM 4.2%-4.3%; quarterly fee income $28M-$30M; quarterly non-interest expense $78M-$80M; 2026 loan growth 6%-8% including Citizens; 2027 NIM 4.3%-4.5%, fee income $31M-$33M, expenses $80M-$82M, loan growth 3%-5%; positive operating leverage both years; $11M-$13M Citizens acquisition-related expenses in Q4 2026.
- Net Income
- 32606000
- Adjusted eps
- 1.04
- Consensus eps
- 0.93
- Efficiency ratio
- 58.50%
- Allowance to loans
- 1.11%
- Return on avg assets
- 1.36%
- Return on avg equity
- 10.44%
- Securities sale loss
- 4500000
- Net interest margin change
- +8 bps
- Nonperforming loans change
- -11% QoQ
- Provision for credit losses
- 3569000
- Tangible book value per share
- 23.35
- Acquisition related expenses q3
- 1500000
AI analysis
The rest of the AI analysis, red flags and sentiment are part of Signal8 Pro.
AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.