---
schema_version: "secwatch.filing_event.v1"
accession: "0000318300-25-000041"
form_type: "8-K"
ticker: "PEBO"
cik: "0000318300"
company_name: "PEOPLES BANCORP INC"
filed_at: "2025-01-21T23:59:59+00:00"
generated_at: "2026-05-27T22:37:44.106035+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000318300-25-000041
- form_type: 8-K
- ticker: PEBO
- cik: 0000318300
- company_name: PEOPLES BANCORP INC
- filed_at: 2025-01-21T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/318300/000031830025000041/0000318300-25-000041-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/318300/000031830025000041/pebo-20250121.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000318300-25-000041
- JSON: https://secwatch.observer/filing/0000318300-25-000041.json
- Plain text: https://secwatch.observer/filing/0000318300-25-000041.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.