---
schema_version: "secwatch.filing_event.v1"
accession: "0000318300-25-000139"
form_type: "8-K"
ticker: "PEBO"
cik: "0000318300"
company_name: "PEOPLES BANCORP INC"
filed_at: "2025-04-22T23:59:59+00:00"
generated_at: "2026-05-23T09:41:23.083734+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Peoples Bancorp Q1 2025 EPS $0.68, down from $0.84 a year ago; dividend $0.41

## Summary
- Net income $24.3M ($0.68 diluted EPS) vs $29.6M ($0.84) in Q1 2024, an 18% YoY decline.
- Net interest margin 4.12%, down 3 bps from linked quarter; accretion income contributed 17 bps.
- Provision for credit losses $10.2M, up from $6.3M in Q4 2024; net charge-offs 0.52% annualized.
- Total loans grew $70.5M (4% annualized) from Dec 31, 2024; criticized loans down $14.4M.
- Board declares quarterly dividend of $0.41 per share.

## SEC filing metadata
- accession: 0000318300-25-000139
- form_type: 8-K
- ticker: PEBO
- cik: 0000318300
- company_name: PEOPLES BANCORP INC
- filed_at: 2025-04-22T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/318300/000031830025000139/0000318300-25-000139-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/318300/000031830025000139/pebo-20250422.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000318300-25-000139
- JSON: https://secwatch.observer/filing/0000318300-25-000139.json
- Plain text: https://secwatch.observer/filing/0000318300-25-000139.txt

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