Loan / deposit moved 372 bp higher
Loan / deposit changed +372 basis points from the comparable as-filed period. The change ranks at the 50th percentile of 4 prior comparable changes.
87.18%→90.90%4 prior comparisons
GROSSPATTERN / DETERMINISTIC EVIDENCE / V3
Search securities →PEBO financial changes
Ranked by interpretable importance, issuer history, magnitude, and accounting profile. No directional recommendation.
Short-term borrowings increased 45.6%
Short-term borrowings changed +45.6% from the comparable as-filed period.
$483.6M→$704.1M3 prior comparisons
Net income increased 10.6%
Net income changed +10.6% from the comparable as-filed period.
$29.5M→$32.6M2 prior comparisons
Debt / assets moved 76 bp lower
Debt / assets changed -76 basis points from the comparable as-filed period. The change ranks at the 75th percentile of 4 prior comparable changes.
2.36%→1.61%4 prior comparisons
Deposits decreased 2.5%
Deposits changed -2.5% from the comparable as-filed period. The change ranks at the 50th percentile of 4 prior comparable changes.
$7.6B→$7.4B4 prior comparisons
Interest income decreased 3.2%
Interest income changed -3.2% from the comparable as-filed period.
$132.8M→$128.5M2 prior comparisons
Loans increased 1.7%
Loans changed +1.7% from the comparable as-filed period. The change ranks at the 0th percentile of 4 prior comparable changes.
$6.7B→$6.8B4 prior comparisons
Shares outstanding increased 0.7%
Shares outstanding changed +0.7% from the comparable as-filed period. The change ranks at the 57th percentile of 7 prior comparable changes.
35,702,963→35,959,6097 prior comparisons
Total assets increased 0.3%
Total assets changed +0.3% from the comparable as-filed period. The change ranks at the 25th percentile of 4 prior comparable changes.
$9.6B→$9.7B4 prior comparisons
Short-term borrowings increased 48.3%
Short-term borrowings changed +48.3% from the comparable as-filed period.
$396.9M→$588.7M3 prior comparisons
Cash / debt moved 3495 bp higher
Cash / debt changed +3495 basis points from the comparable as-filed period. The change ranks at the 50th percentile of 4 prior comparable changes.
80.07%→115.02%4 prior comparisons
Loans increased 3.3%
Loans changed +3.3% from the comparable as-filed period. The change ranks at the 50th percentile of 4 prior comparable changes.
$6.5B→$6.7B4 prior comparisons
Deposits decreased 2.4%
Deposits changed -2.4% from the comparable as-filed period. The change ranks at the 50th percentile of 4 prior comparable changes.
$7.6B→$7.5B4 prior comparisons
Interest income increased 0.9%
Interest income changed +0.9% from the comparable as-filed period.
$126.4M→$127.6M2 prior comparisons
Shares outstanding increased 0.8%
Shares outstanding changed +0.8% from the comparable as-filed period. The change ranks at the 71th percentile of 7 prior comparable changes.
35,670,873→35,942,3157 prior comparisons
Total assets decreased 0.0%
Total assets changed -0.0% from the comparable as-filed period. The change ranks at the 0th percentile of 4 prior comparable changes. This reverses 4 consecutive comparable moves in the opposite direction.
$9.5B→$9.5B4 prior comparisons
Cash & equivalents decreased 3.4%
Cash & equivalents changed -3.4% from the comparable as-filed period. The change ranks at the 25th percentile of 4 prior comparable changes.
$186.1M→$179.7M4 prior comparisons
Method Importance combines metric-family relevance, magnitude, issuer-history unusualness, persistence, and financial-statement significance. It is analytical prioritization, not a legal materiality conclusion or investment signal.