Peoples Bancorp Q3 net income $29.5M, down 7% YoY; ROA 1.22%, efficiency ratio worsens to 57.1%

PEOPLES BANCORP INC

2025-Q3 EPS reported $2.10 revenue$64,764,000

Net income $29.5M ($0.83 diluted EPS est.) vs $31.7M in Q3 2024; provision for credit losses $7.3M vs $6.7M.
Return on average assets 1.22% vs 1.38% YoY; return on avg tangible equity 16.2% vs 19.4% YoY.
Efficiency ratio 57.1% vs 55.1% YoY; pre-provision net revenue $48.3M vs $48.5M YoY.
Tangible book value per share $22.05, up from $20.29 at Sept 30, 2024.
Non-interest income $23.8M, down from $24.8M YoY; net interest income $91.3M vs $88.9M YoY.

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