Peoples Bancorp Inc. (PEBO) Income Statement
PEBO 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsPEBO revenue and net income
Where PEBO's revenue goes
2025Each bar shows an amount and its share of revenue. PEBO kept 17.3% of revenue as net income.
PEBO profit margins
PEBO growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +0.4% | +22.1% | +23.7% | +15.1% |
| Gross profit | −0.5% | +8.4% | +19.8% | +12.7% |
| Operating income | −9.9% | +1.6% | +25.9% | +24.7% |
| Net income | −8.9% | +1.8% | +25.2% | +25.6% |
| EPS (diluted) | −6.0% | −5.4% | +9.5% | +10.4% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
PEBO quarterly EPS vs estimates
Peoples Bancorp beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 20, 2026 (estimate $0.92).
PEBO income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $618.4M | $615.9M | $522.5M | $339.8M | $244.3M | $213.3M | $228.0M | $202.3M | $176.3M | $161.5M |
| Cost of revenue | $201.2M | $196.9M | $115.2M | $12.6M | $13.0M | $44.4M | $31.8M | $27.1M | $16.9M | $14.1M |
| Gross profit | $417.1M | $419.0M | $407.3M | $327.2M | $231.3M | $168.9M | $196.2M | $175.2M | $159.4M | $147.3M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $188.0M | $187.6M | $178.3M | $134.4M | $112.4M | $88.3M | $88.3M | $79.5M | $69.7M | $67.0M |
| Total operating expenses | $282.3M | $269.6M | $262.2M | $198.5M | $174.4M | $126.2M | $130.8M | $120.3M | $102.2M | $102.1M |
| Operating income | $134.8M | $149.6M | $145.1M | $128.6M | $57.0M | $42.6M | $65.4M | $54.9M | $57.2M | $45.3M |
| Interest income | $514.3M | $520.8M | $390.4M | $269.6M | $184.6M | $157.1M | $170.1M | $151.3M | $126.5M | $115.4M |
| Interest expense | $159.1M | $172.1M | $100.0M | $16.1M | $12.2M | $18.2M | $29.3M | $21.7M | $13.1M | $10.6M |
| Income before taxes | $134.8M | $149.5M | $145.1M | $128.6M | $57.0M | $42.6M | $65.4M | $54.9M | $57.2M | $45.3M |
| Income taxes | $28.0M | $32.3M | $31.8M | $27.3M | $9.4M | $7.9M | $11.7M | $8.7M | $18.7M | $14.1M |
| Net income | $106.8M | $117.2M | $113.4M | $101.3M | $47.6M | $34.8M | $53.7M | $46.3M | $38.5M | $31.2M |
| EBITDA | $149.3M | $153.0M | $148.8M | $146.0M | $81.6M | $68.3M | $83.2M | $73.1M | $75.3M | $64.5M |
| EPS (diluted) | $3.15 | $3.35 | $4.10 | $3.72 | $3.10 | $2.00 | $2.96 | $2.56 | $2.07 | $1.72 |
| Gross margin | 67.5% | 68.0% | 78.0% | 96.3% | 94.7% | 79.2% | 86.1% | 86.6% | 90.4% | 91.3% |
| Operating margin | 21.8% | 24.3% | 27.8% | 37.9% | 23.3% | 20.0% | 28.7% | 27.2% | 32.4% | 28.0% |
| Net margin | 17.3% | 19.0% | 21.7% | 29.8% | 19.5% | 16.3% | 23.6% | 22.9% | 21.8% | 19.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $155.1M | $155.1M | $156.8M | $136.7M | $150.3M | $148.9M | $156.9M | $156.2M | $151.9M | $150.9M | $150.1M | $144.4M |
| Cost of revenue | $46.1M | $46.1M | $47.5M | $48.7M | $55.5M | $49.5M | $48.5M | $51.4M | $49.8M | $47.1M | $38.2M | $34.4M |
| Gross profit | $109.0M | $109.0M | $109.3M | $87.9M | $94.9M | $99.4M | $108.4M | $104.7M | $102.1M | $103.8M | $112.0M | $110.0M |
| Sales, general & admin | $47.9M | $47.9M | $47.0M | $47.3M | $4.3M | $43.0M | $68.7M | $39.3M | $38.5M | $41.1M | $64.5M | $39.1M |
| Total operating expenses | $71.6M | $71.6M | $71.3M | $69.9M | $67.4M | $68.0M | $73.6M | $63.9M | $66.2M | $65.9M | $68.5M | $69.3M |
| Operating income | $37.3M | $37.3M | $38.0M | $18.0M | $27.5M | $31.4M | $34.9M | $40.9M | $35.9M | $37.9M | $43.5M | $40.7M |
| Interest income | $127.6M | $126.8M | $130.5M | $132.8M | $126.4M | $124.5M | $128.8M | $133.6M | $130.8M | $127.6M | $125.2M | $123.6M |
| Interest expense | $36.4M | $36.4M | $39.5M | $41.5M | $38.8M | $39.3M | $42.3M | $44.7M | $44.2M | $41.0M | $36.9M | $30.3M |
| Income before taxes | $37.3M | $37.3M | $38.0M | $38.0M | $27.5M | $31.4M | $34.9M | $40.9M | $35.9M | $37.9M | $43.5M | $40.7M |
| Income taxes | $8.3M | $8.3M | $6.2M | $8.5M | $6.2M | $7.0M | $7.9M | $9.2M | $6.9M | $8.3M | $9.7M | $8.8M |
| Net income | $29.0M | $29.0M | $31.8M | $29.5M | $21.2M | $24.3M | $26.9M | $31.7M | $29.0M | $29.6M | $33.8M | $31.9M |
| EBITDA | $39.0M | $39.0M | $40.2M | $19.4M | $29.7M | $33.6M | $37.7M | $43.7M | $38.7M | $40.6M | $46.8M | $44.0M |
| EPS (diluted) | $0.96 | $0.83 | $0.94 | $0.90 | $0.61 | $0.70 | $0.76 | $0.90 | $0.84 | $0.85 | $1.04 | $1.07 |
| Gross margin | 70.3% | 70.3% | 69.7% | 64.3% | 63.1% | 66.8% | 69.1% | 67.1% | 67.2% | 68.8% | 74.6% | 76.2% |
| Operating margin | 24.1% | 24.1% | 24.2% | 13.2% | 18.3% | 21.1% | 22.2% | 26.2% | 23.6% | 25.1% | 29.0% | 28.2% |
| Net margin | 18.7% | 18.7% | 20.2% | 21.6% | 14.1% | 16.3% | 17.2% | 20.3% | 19.1% | 19.6% | 22.5% | 22.1% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in PEBO's financial statements (latest annual report filed February 26, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
PEBO financial results
In fiscal year 2025 (ended December 31, 2025), Peoples Bancorp reported revenue of $618.4 million, up 0.4% from the year before. It had net income of $106.8 million (down 8.9%), a net profit margin of 17.3%. Diluted earnings per share came to $3.15. Over five years revenue grew at an average rate of 23.7% a year.
See the PEBO stock overview for the latest quote and news, or the PEBO chart for price history and technical indicators.
PEBO income statement FAQ
What is Peoples Bancorp's annual revenue?
Peoples Bancorp reported total revenue of $618.4 million for fiscal year 2025, which ended on December 31, 2025. That was up 0.4% from $615.9 million the previous year.
Is Peoples Bancorp profitable?
Yes. Peoples Bancorp reported net income of $106.8 million in fiscal 2025, a net profit margin of 17.3%; its operating margin was 21.8%.
What is Peoples Bancorp's gross margin?
Peoples Bancorp's gross margin was 67.5% in fiscal 2025: for every $100 of revenue, Peoples Bancorp kept $67 after the direct cost of its products and services.
How fast is Peoples Bancorp growing?
Revenue grew 23.7% a year on average over the last five fiscal years, from $213.3 million to $618.4 million.
What are Peoples Bancorp's earnings per share?
Peoples Bancorp earned $3.15 per diluted share in fiscal 2025, compared with $3.35 a year earlier.
When will Peoples Bancorp report its next earnings?
Peoples Bancorp is expected to report results for the quarter ending September 30, 2026 on October 20, 2026 before the market opens.
When does Peoples Bancorp's fiscal year end?
Peoples Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 26, 2026.