---
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"
generated_at: "2026-05-17T02:15:55.258626+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Peoples Bancorp Q3 net income $29.5M, down 7% YoY; ROA 1.22%, efficiency ratio worsens to 57.1%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000318300-25-000290
- JSON: https://secwatch.observer/filing/0000318300-25-000290.json
- Plain text: https://secwatch.observer/filing/0000318300-25-000290.txt

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