Peoples Bancorp Q4 net income $26.9M ($0.76 EPS), down YoY; full-year record $117.2M; declares $0.40 dividend

PEOPLES BANCORP INC

2024-FY EPS reported $3.31 revenue$84,776,000

Q4 net income $26.9M ($0.76 diluted EPS) vs $33.8M ($0.96) in Q4 2023; full-year 2024 net income $117.2M ($3.31 EPS), a record.
Net interest margin fell to 4.15% from 4.27% linked quarter due to lower accretion income; accretion contributed 23 bps vs 39 bps.
Provision for credit losses $6.3M (vs $1.3M year ago), driven by higher net charge-offs; negatively impacted EPS by $0.13.
Period-end loan balances grew 5% annualized QoQ; deposits up 2%; nonperforming assets decreased 30% from linked quarter.
Board declared quarterly dividend of $0.40 per common share, unchanged from prior quarter.

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