PEBO at a glance
PEOPLES BANCORP INC (PEBO, SEC CIK 318300) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on July 30, 2026, an 8-K current report on October 5, 2026 and Form 4 insider filings as recently as October 6, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), PEOPLES BANCORP INC (PEBO) reported revenue of $86.7 million (up 2.3% from FY2024) and net income of $106.8 million. Diluted EPS was $2.99.
- As of June 30, 2026, 28 institutional investment managers tracked by SignalX reported holding PEOPLES BANCORP INC (PEBO) shares worth $539.5 million in 13F-HR filings.
- In the last 90 days, PEBO insiders reported 1 open-market purchase ($40K) and 2 open-market sales ($144K) on Form 4, a net sale of $104K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $86.7M
- +2.3% vs prior year
- Insiders · 90 days
- 1 buy · 2 sells
- Net −$104K
- 13F holders
- 28 funds
- $539.5M · −1 vs prior quarter
- Latest 8-K
- Sep 30, 2026
- Item 7.01 · Item 1.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Community bank offering diversified loan and deposit products with focus on commercial real estate, commercial and industrial loans
- Strategic emphasis on loan growth with total loans up $398.9M (6.3B to 6.76B) driven by commercial real estate and industrial sectors
- Increased loan loss provision to $41.7M in 2025 from $24.6M in 2024, reflecting higher credit risk and economic forecast deterioration
- Operating expense increase led efficiency ratio to rise slightly to 58.68% in 2025 from 57.97% in 2024 amid infrastructure investments
- Noteworthy: Ohio Financial Institution Tax increase significantly impacted franchise tax expense in 2025 reflecting state tax environment changes
Risk Factors
- Regulatory risk: Annual IRR policy review and third-party model validation to comply with banking regulations on interest rate risk by ALCO and Board of Directors
- Macroeconomic threat: Exposure to interest rate changes impacting net interest income by up to -15% for a 300 bps rate decrease as of 12/31/2025
- Operational vulnerability: Dependence on wholesale funding with $314.9M and $488.0M unused collateral borrowing limits at FHLB Cincinnati and FRB, posing liquidity risk if disrupted
- Market disruption risk: Increased competition for deposits due to Federal Reserve's historical rate hikes during 2023 and subsequent rate decreases through 2025 affecting funding costs
- Financial risk: Concentration risk via $45.0M aggregate notional value in only five interest rate swap contracts used for hedging cash flow risks
Management Discussion & Analysis
- No revenue, profitability, segment, cash flow, or capital allocation data provided in the forward-looking statements section
- Multiple forward-looking risks identified including interest rate policies, inflation impact, competition, regulatory changes, credit risk, and economic conditions
- Risks from recent bank failures, cybersecurity threats, operational challenges, and geopolitical events highlighted as potential adverse factors
- Management does not provide explicit financial guidance or forward revenue/profit estimates in this section
- Emphasis on uncertainties affecting future performance, including macroeconomic, regulatory, and industry-specific risks
AI summary of the PEBO 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $28.0M, up from $21.2M YoY; diluted EPS $0.78 vs $0.59
- Net interest margin 4.23% vs 4.15% YoY; net interest income $92.7M, up 6%
- Provision for credit losses $4.7M vs $16.6M YoY; net charge-offs $5.2M, or 0.31% annualized
- Net loss $8.6M, driven by $135.2M securities sale at an $8.2M loss
- Pending Citizens merger valued at approximately $76.6M; inflation, elevated rates and credit quality cited as headwinds
Risk Factors
- No Risk Factors section provided; supplied text covers Items 2–6 and signatures only
- New merger agreement with Citizens National Corporation dated April 20, 2026
- No defaults upon senior securities reported
- $15,780,726 remained available under the share repurchase authorization at June 30, 2026
AI summary of the PEBO 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Proposed merger with Capital Bancorp; definitive merger agreement dated September 29, 2026
- Peoples plans to issue common stock, requiring an SEC Form S-4 registration statement and shareholder approvals
Item 1.01: Entry into a Material Definitive Agreement
- Peoples to acquire Capital in an all-stock merger; each Capital share converts into 1.11 Peoples shares
- Capital Bank will merge into Peoples Bank, expanding Peoples’ banking franchise subject to regulatory approval
Item 8.01: Other Events
- Regulatory approvals received for Peoples–Citizens merger, removing a key closing condition
- Citizens shareholders approved the merger on August 6, 2026
AI summaries of PEBO 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for PEBO
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Donlon Hugh J | F | Oct 2, 2026 | 2,350 | $37.48 |
| Dierker David F | A | Sep 30, 2026 | 262 | $36.59 |
| Rector Susan D. | A | Sep 30, 2026 | 1,496 | $36.59 |
| JAMES BROOKE WILLIAMS | A | Sep 30, 2026 | 358 | $36.59 |
| Augenstein Mark | J | Sep 30, 2026 | 19.293 | $31.10 |
| Dierker David F | A | Sep 30, 2026 | 358 | $36.59 |
| Kirkham Michael Ryan | J | Sep 30, 2026 | 9.646 | $31.10 |
| Bailey Kathryn M | J | Sep 30, 2026 | 48.232 | $31.10 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | - | $84.8M | $86.7M |
| Operating Income | - | $149.5M | $134.8M |
| Net Income | $113.4M | $117.2M | $106.8M |
| Op. Margin | - | 176.3% | 155.4% |
| Net Margin | - | 138.3% | 123.1% |
| Balance Sheet | |||
| Total Assets | $9.2B | $9.3B | $9.6B |
| Equity | - | $1.1B | $1.2B |
| ROE | - | 10.5% | 8.8% |
| Per Share | |||
| EPS | $3.44 | $3.31 | $2.99 |
| Cash Flow | |||
| Operating CF | - | $143.2M | $134.7M |
| CapEx | $13.5M | $6.8M | $6.0M |
Source: XBRL data in PEOPLES BANCORP INC (PEBO)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate PEBO share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 28 | $539.5M |
| Q1 2026 | 29 | $437.5M |
| Q4 2025 | 27 | $358.9M |
| Q3 2025 | 29 | $372.1M |
| Q2 2025 | 29 | $379.0M |
| Q1 2025 | 27 | $258.4M |
| Q4 2024 | 22 | $257.5M |
| Q3 2024 | 19 | $189.8M |
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- D.E. Shaw & Co+30.6K
Source: 13F-HR filings on SEC EDGAR (aggregated from 210 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
PEBO filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 6, 2026 | - | - | - |
| 8-K | Oct 5, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 8-K | Sep 30, 2026 | - | Analysis | - |
| 8-K | Sep 28, 2026 | - | Analysis | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Aug 7, 2026 | - | - | - |
| SC 13G | Jul 31, 2026 | - | - |
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PEBO SEC filings: frequently asked questions
Are PEBO insiders buying or selling?
In the last 90 days, PEOPLES BANCORP INC (PEBO) officers, directors and 10% owners reported 1 open-market purchase worth $39,810 by 1 insider and 2 open-market sales worth $143,760 by 2 insiders on Form 4, a net sale of $103,950. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold PEBO stock?
As of June 30, 2026, the largest PEOPLES BANCORP INC (PEBO) holders among the 13F filers tracked by SignalX were BlackRock ($128.1 million), Dimensional Fund Advisors ($87.3 million), State Street Corp ($78.8 million), Vanguard Capital Management LLC ($58.7 million), Invesco Ltd ($30.5 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was PEBO's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), PEOPLES BANCORP INC (PEBO) reported revenue of $86.7 million (up 2.3% from FY2024) and net income of $106.8 million. Diluted EPS was $2.99. The figures come from the XBRL data in the 10-K.
What are the main risks in PEBO's latest 10-K?
In the 10-K filed February 26, 2026, PEOPLES BANCORP INC (PEBO) flagged: Regulatory risk: Annual IRR policy review and third-party model validation to comply with banking regulations on interest rate risk by ALCO and Board of Directors. Macroeconomic threat: Exposure to interest rate changes impacting net interest income by up to -15% for a 300 bps rate decrease as of 12/31/2025. (AI summary of the Risk Factors section.)
What did PEBO report in its latest 8-K?
PEOPLES BANCORP INC (PEBO) filed an 8-K on September 30, 2026 reporting Item 7.01 (Regulation FD Disclosure) and Item 1.01 (Entry into a Material Definitive Agreement). Proposed merger with Capital Bancorp; definitive merger agreement dated September 29, 2026.
What are the latest PEBO SEC filings?
PEOPLES BANCORP INC (PEBO) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on July 30, 2026, an 8-K current report on October 5, 2026 and a Form 4 insider filing on October 6, 2026.
What is PEBO's SEC CIK number?
PEOPLES BANCORP INC (PEBO)'s SEC Central Index Key (CIK) is 318300. EDGAR lists every PEBO filing under that number.
Ask anything about PEBO
The research agent reads PEBO's filings, financials, insider trades and 13F holders, then answers with sources.