UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission File Number: 000-16772 PEOPLES BANCORP INC. (Exact name of Registrant as specified in its charter) Ohio 31-0987416 (State or other jur ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2024 (April 23, 2024) PEOPLES BANCORP INC. (Exact name of Registrant as specified in its charter) Ohio 000-16772 31-0987416 (State or other jurisdiction (Commission File (I.R.S. Employer of incorporation) Number) Identification Number) 138 Putnam Street, PO Box 738 Marietta, Ohio 4575 ...

财务数据和关键指标变化 - 公司本季度实现净利润2960万美元,每股摊薄收益0.84美元,较上季度0.96美元有所下降 [7] - 净息差较上季度压缩5个基点至4.27%,主要受到收购后摊销收益的下降影响 [17][18][19] - 贷款余额较年末增长3%,主要来自商业房地产、保费融资和商业及工业贷款的增长 [14] - 存款余额较年末增长2%,主要来自零售定期存款、政府存款和活期存款的增长 [24] - 资本充足率保持较高水平,普通股权一级资本充足率为11.7% [27] 各条业务线数据和关键指标变化 - 商业房地产贷款占比36%,其中40%为自用物业,60%为投资性房地产 [15] - 消费贷款占比28%,包括住房贷款和家庭信用额度 [15] - 商业及工业贷款占比20%,专项融资占11%,建筑贷款占5% [15] - 固定利率贷款占48%,浮动利率贷款占52% [16] - 消费类贷款和租赁业务的不良贷款率有所上升,但仍在历史正常水平 [11] 各个市场数据和关键指标变化 - 公司主要业务集中在肯塔基州、华盛顿特区、俄亥俄州等地区,这些地区经济指标良好 [13] - 公司多家物业位于增长型市场,有较强的担保支持 [13] 公司战略和发展方向及行业竞争 - 公司未来将继续投资基础设施和技术,保持高质量的信贷标准,关注客户和员工,提升股东价值 [29] - 公司有意在合适的时机进行并购,但需要符合公司的战略目标和价格要求 [81][82][83] - 公司将继续关注$10亿资产规模的准备工作,已基本就绪,只需要合适的并购机会 [35][36][37] 管理层对经营环境和未来前景的评论 - 公司对2024年的贷款增长、净息差水平、非利息收入增长和拨备计提等方面提供了具体指引 [30][31] - 管理层对公司的信贷质量和风险管理能力表示满意,认为信贷质量是公司的优势 [12] - 管理层对公司的发展前景和未来表现持乐观态度 [29][32] 其他重要信息 - 公司宣布将连续第9年提高季度股息,每股0.40美元,股息收益率为5.6% [26] - 公司在本季度回购了300万美元的股票,体现了对公司价值的信心 [26] 问答环节重要的提问和回答 问题1 **Brendan Nosal 提问** 询问公司对$10亿资产规模的准备工作进度和对Durbin修正案的影响 [34] **Tyler Wilcox 和 Katie Bailey 回答** 公司准备工作已基本就绪,只需要合适的并购机会 [35][36][37] Durbin修正案的影响较小,公司有信心应对 [37][38][39] 问题2 **Daniel Tamayo 提问** 询问公司对净息差和净利息收入的指引,以及超额现金的处置计划 [42][47] **Katie Bailey 回答** 公司预计净息差将在4.1%-4.3%区间,主要取决于存款成本的变化 [43][44][45][46][47][48][49][51][52] 公司将通过减少质押证券等方式逐步降低超额现金 [47][48][49] 问题3 **Terry McEvoy 提问** 询问公司商业贷款的情况,特别是非自用商业房地产贷款 [53][57][58][59] **Tyler Wilcox 回答** 公司对商业贷款组合整体保持乐观,未来一年内到期的非自用商业房地产贷款金额可控 [59][60]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission File Number: 000-16772 PEOPLES BANCORP INC. (Exact name of registrant as specified in its charter) | Ohio | 31-0987416 | | --- | --- | | (Stat ...

公司资产和贷款 - 公司的贷款额达到62亿美元[7][51] - 公司资产达到92亿美元[7] - 公司的贷款余额为13.5亿美元，占总贷款的2%[13] - 公司2023年的总贷款金额为62亿美元[51] 公司业绩 - 公司2023年第四季度净利润为1.134亿美元，较2022年的1.013亿美元增长[39] - 公司2023年总收入创下纪录，达到93.95亿美元[46] - FY-23年度税前收入为145,126千美元，较FY-22增长13.1%[57] 公司财务指标 - 公司的非利息收入占总收入的22%[12] - 公司的存款成本低于同等规模银行平均水平，为1.28%[19] - 公司的净利差为3.29%，处于同行最佳水平[22] - 公司2023年的平均资产为829.88亿美元，年化净收入为113.36万美元，资产平均回报率为1.37%[65] - 公司2023年的平均有形股东权益为94.08亿美元，年化净收入为113.36万美元，有形股东权益平均回报率为12.05%[67] - 公司2023年的平均股东权益为94.08亿美元，年化净收入为113.36万美元，股东权益平均回报率为14.18%[68] 公司管理团队 - 公司总裁兼首席执行官是CHUCK SULERZYSKI[69] - TYLER WILCOX是公司的高级执行副总裁兼首席运营官[69] - KATIE BAILEY是公司的执行副总裁、首席财务官和财务主管[69]

Peoples Bancorp Inc. (NASDAQ:PEBO) Q4 2023 Earnings Conference Call January 23, 2022 11:00 AM ET Company Participants Chuck Sulerzyski - President & Chief Executive Officer Katie Bailey - Chief Financial Officer & Treasurer Tyler Wilcox - Chief Operating Officer Conference Call Participants Daniel Tamayo - Raymond James Terry McEvoy - Stephens Nick Cucharale - Hovde Group Tim Switzer - KBW Manuel Navas - D.A. Davidson Daniel Cardenas - Janney Montgomery Scott Operator Good morning and welcome to Peoples Ban ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission File Number: 000-16772 PEOPLES BANCORP INC. (Exact name of Registrant as specified in its charter) | Ohio | 31-0987416 | | --- | - ...

Peoples Bancorp Inc. (NASDAQ:PEBO) Q3 2023 Earnings Conference Call October 24, 2023 11:00 AM ET Company Participants Charles Sulerzyski - President and Chief Executive Officer Tyler Wilcox - Chief Operating Officer Kathryn Bailey - Chief Financial Officer and Treasurer Conference Call Participants Daniel Tamayo - Raymond James Terry McEvoy - Stephens Tim Switzer - KBW Manuel Navas - D.A. Davidson Daniel Cardenas - Janney Montgomery Scott Operator Good morning and welcome to the Peoples Bancorp Inc.'s Confe ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission File Number: 000-16772 PEOPLES BANCORP INC. (Exact name of Registrant as specified in its charter) Ohio 31-0987416 (State or other juri ...

Peoples Bancorp Inc. (NASDAQ:PEBO) Q2 2023 Earnings Conference Call July 25, 2023 11:00 AM ET Company Participants Chuck Sulerzyski - President and Chief Executive Officer Tyler Wilcox - Chief Operating Officer Katie Bailey - Chief Financial Officer and Treasurer Conference Call Participants Brendan Nosal - Piper Sandler Daniel Tamayo - Raymond James Tim Switzer - KBW Nick Cucharale - Hovde Group Terry McEvoy - Stephens Manuel Navas - D.A. Davidson Daniel Cardenas - Janney Montgomery Scott Operator Good mor ...