PEBO PEOPLES BANCORP INC

company

SEC Filings & Insider Trading Activity 2026

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

What are the latest PEBO SEC filings in 2026?

PEOPLES BANCORP INC (PEBO) has filed a 10-K annual report on February 26, 2026, a 10-Q quarterly report on April 30, 2026, an 8-K current report on July 27, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did PEBO file its most recent 10-K annual report?

PEOPLES BANCORP INC (PEBO) filed its most recent 10-K annual report on February 26, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view PEBO 10-Q quarterly reports?

PEOPLES BANCORP INC (PEBO)'s most recent 10-Q quarterly report was filed on April 30, 2026. SignalX displays every PEBO 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has PEBO filed recently?

PEOPLES BANCORP INC (PEBO)'s most recent 8-K was filed on July 27, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find PEBO insider trading activity (Form 4)?

SignalX aggregates every PEBO Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does PEBO file with the SEC?

PEOPLES BANCORP INC (PEBO) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new PEBO filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for PEOPLES BANCORP INC (PEBO).

What is PEBO's SEC CIK number?

PEOPLES BANCORP INC (PEBO)'s SEC CIK (Central Index Key) number is 318300. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 318300 to look up all PEBO filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find PEBO return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from PEOPLES BANCORP INC (PEBO) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.