{"schema_version":"secwatch.filing_event.v1","accession":"0000318300-25-000290","form_type":"8-K","ticker":"PEBO","cik":"0000318300","company_name":"PEOPLES BANCORP INC","filed_at":"2025-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.704862+00:00","generated_at":"2026-05-17T02:15:55.258626+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Peoples Bancorp Q3 net income $29.5M, down 7% YoY; ROA 1.22%, efficiency ratio worsens to 57.1%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000318300-25-000290","json":"https://secwatch.observer/filing/0000318300-25-000290.json","markdown":"https://secwatch.observer/filing/0000318300-25-000290.md","text":"https://secwatch.observer/filing/0000318300-25-000290.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/318300/000031830025000290/0000318300-25-000290-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/318300/000031830025000290/pebo-20251027.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:15:55.258626+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}