Monitor net interest margin sustainability and credit quality trends as loan growth continues; the increase in provision for credit losses warrants attention in future quarters.
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Executive Summary
Peoples Bancorp (PEBK) reported Q1 2026 earnings with net income of $4.4 million ($0.80 diluted EPS), up slightly from $4.3 million ($0.79 diluted EPS) in Q1 2025. Net interest margin improved to 3.68% from 3.51% year-over-year, driven by loan growth and lower funding costs, partially offset by a higher provision for credit losses.
Key Financial Metrics
Key Facts
- Q1 2026 net earnings were $4.4 million ($0.80 diluted EPS) vs $4.3 million ($0.79 diluted EPS) in Q1 2025
- Net interest margin increased to 3.68% from 3.51% in the prior year period
- Total loans grew to $1.24 billion at March 31, 2026, from $1.20 billion at December 31, 2025
- Provision for credit losses increased to $560,000 from $268,000 in Q1 2025
Financial Impact
Net earnings increased by $53,000 year-over-year, with EPS increasing by $0.01
Risk Factors
- Increase in provision for credit losses could pressure future earnings
- Rising non-performing assets may indicate potential credit quality deterioration
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001654954-26-003709 |
| Document: pebk_8k.htm | 0001654954-26-003709 |
| Document: 0001654954-26-003709-index-headers.html | 0001654954-26-003709 |
| Document: 0001654954-26-003709-index.html | 0001654954-26-003709 |
| Document: 0001654954-26-003709.txt | 0001654954-26-003709 |
| 8-K Data (Synthetic) | 0001654954-26-003709 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 19, 2026 8d ago | 8-K | $43.89 $43.57 | ▼ −0.72% | ▼ −0.57% | $43.73 (−0.35%) |
Sep 2, 2026 7w ago | Insider Cluster | $43.88 $43.86 | ▼ −0.05% | ▲ +0.91% | $43.73 (−0.34%) |
Sep 1, 2026 8w ago | Insider Cluster | $43.67 $43.86 | ▲ +0.44% | ▲ +1.39% | $43.73 (+0.14%) |
Aug 7, 2026 11w ago | Insider Cluster | $42.88 $44.60 | ▲ +4.01% | ▲ +4.06% | $43.73 (+1.98%) |
Aug 6, 2026 11w ago | Insider Cluster | $43.05 $44.84 | ▲ +4.16% | ▲ +3.76% | $43.73 (+1.58%) |
Jul 31, 2026 12w ago | Insider Cluster | $43.00 $43.05 | ▲ +0.12% | ▼ −3.40% | $43.73 (+1.70%) |
Jul 30, 2026 12w ago | Insider Cluster | $43.00 $43.04 | ▲ +0.09% | ▼ −3.53% | $43.73 (+1.70%) |
Jul 24, 2026 13w ago | Insider Cluster | $43.02 $43.00 | ▲ +0.05% | ▲ +0.42% | $43.73 (−1.65%) |
Jul 21, 2026 14w ago | 8-K | $42.67 $42.95 | ▲ +0.66% | ▲ +1.88% | $43.73 (+2.48%) |
Jul 20, 2026 14w ago | 8-K | $42.74 $43.02 | ▲ +0.66% | ▲ +1.08% | $43.73 (+2.32%) |
US Market Status
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