---
schema_version: "secwatch.filing_event.v1"
accession: "0000318300-25-000044"
form_type: "8-K"
ticker: "PEBO"
cik: "0000318300"
company_name: "PEOPLES BANCORP INC"
filed_at: "2025-01-27T23:59:59+00:00"
generated_at: "2026-05-27T09:37:32.340268+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "medium"
source: SEC EDGAR
---

# Peoples Bancorp reports Q4 net income $26.9M, full year $117.2M; tangible book value $19.94

## Summary
- Q4 2024 net income of $26.9M ($0.76 implied EPS) vs $33.8M in Q4 2023; full year net income $117.2M vs $113.4M in 2023.
- Net interest income Q4 $86.5M, non-interest income $25.1M; total revenue ~$111.6M for the quarter.
- Tangible book value per share rose to $19.94 at Dec 31, 2024, up from $18.16 a year ago.
- Efficiency ratio adjusted for non-core items was 58.57% in Q4 2024 vs 54.87% in Q4 2023.
- Pre-provision net revenue (PPNR) declined to $42.9M in Q4 2024 from $47.0M in Q4 2023.

## SEC filing metadata
- accession: 0000318300-25-000044
- form_type: 8-K
- ticker: PEBO
- cik: 0000318300
- company_name: PEOPLES BANCORP INC
- filed_at: 2025-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: medium
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/318300/000031830025000044/0000318300-25-000044-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/318300/000031830025000044/pebo-20250127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000318300-25-000044
- JSON: https://secwatch.observer/filing/0000318300-25-000044.json
- Plain text: https://secwatch.observer/filing/0000318300-25-000044.txt

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