PEOPLES BANCORP INC (PEBO) FY2025 10-K Annual Report
PEOPLES BANCORP INC (PEBO) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 26, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
PEOPLES BANCORP INC FY2025 10-K Analysis
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
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
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
PEOPLES BANCORP INC FY2025 Key Financial MetricsXBRL
Revenue
$87M
▲ +2.3% YoY
Net Income
$107M
▼ -8.9% YoY
Operating Margin
155.4%
▼ -2086bp YoY
Net Margin
123.1%
▼ -1513bp YoY
ROE
8.8%
▼ -169bp YoY
Total Assets
$9.6B
▲ +4.3% YoY
EPS (Diluted)
$2.99
▼ -9.7% YoY
Operating Cash Flow
$135M
▼ -5.9% YoY
Source: XBRL data from PEOPLES BANCORP INC FY2025 10-K filing on SEC EDGAR. All figures in USD.
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