Peoples Bancorp of North Carolina, Inc. (PEBK)

PEBK Income Statement

Financials in millions USD. Fiscal year is January - December.

Year Ending	TTM	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Revenue	77.59	76.07	76.33	70.06	62.78	62.72
Revenue Growth (YoY)	1.55%	-0.34%	8.95%	11.60%	0.09%	7.07%
Gross Profit	77.59	76.07	76.33	70.06	62.78	62.72
Selling, General & Admin	35.94	35.35	34.87	32.9	32.26	31.62
Other Operating Expenses	23.59	20.79	21.16	18.23	16.67	13.89
Operating Expenses	59.53	56.14	56.03	51.13	48.93	45.52
Operating Income	18.07	19.92	20.3	18.93	13.85	17.2
Other Expense / Income	-2.57	-	-	-	-	-
Pretax Income	20.64	19.92	20.3	18.93	13.85	17.2
Income Tax	4.31	4.38	4.17	3.8	2.49	3.14
Net Income	16.32	15.55	16.12	15.13	11.36	14.07
Net Income Growth	3.03%	-3.58%	6.54%	33.25%	-19.26%	5.12%
Shares Outstanding (Basic)	5	6	6	6	6	6
Shares Change	-3.21%	-1.69%	-0.42%	-2.18%	-2.11%	-1.38%
EPS (Basic)	3.03	2.87	2.94	2.71	2.01	2.43
EPS (Diluted)	2.93	2.77	2.85	2.63	1.95	2.36
EPS Growth	4.64%	-2.81%	8.37%	34.87%	-17.37%	6.31%
Free Cash Flow	18.36	22.29	18.09	26.93	6.67	10.51
Free Cash Flow Per Share	3.37	4.02	3.21	4.76	1.15	1.78
Dividend Per Share	0.920	0.910	0.870	0.660	0.750	0.660
Dividend Growth	4.55%	4.60%	31.82%	-12.00%	13.64%	26.92%
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	23.29%	26.19%	26.59%	27.02%	22.06%	27.43%
Profit Margin	21.04%	20.44%	21.12%	21.60%	18.09%	22.43%
Free Cash Flow Margin	23.66%	29.31%	23.71%	38.44%	10.62%	16.76%
Effective Tax Rate	20.90%	21.97%	20.56%	20.05%	17.98%	18.23%
EBITDA	23.53	23.05	26.33	24.5	18.03	21.17
EBITDA Margin	30.32%	30.30%	34.49%	34.97%	28.72%	33.75%
Depreciation & Amortization	2.89	3.13	6.03	5.57	4.18	3.96
EBIT	20.64	19.92	20.3	18.93	13.85	17.2
EBIT Margin	26.59%	26.19%	26.59%	27.02%	22.06%	27.43%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).