Peoples Bancorp of North Carolina, Inc. (PEBK)

PEBK Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	59.02	54.08	54.72	51.11	43.97
Net Interest Income Growth	9.13%	-1.17%	7.07%	16.22%	-0.34%
Non-Interest Income	30.98	27.72	22.91	26.69	24.92
Non-Interest Income Growth	11.78%	20.95%	-14.14%	7.10%	8.75%
Revenues Before Loan Losses	90	81.79	77.63	77.8	68.89
Provision for Credit Losses	0.94	-0.29	1.57	1.47	-1.16
Revenue	89.06	82.08	76.07	76.33	70.06
Revenue Growth (YoY)	8.50%	7.90%	-0.34%	8.95%	11.59%
Compensation Expenses	28.25	28.21	26.64	26.13	24.51
Selling, General & Admin	15.13	13.95	12.43	12.34	11.64
Other Non-Interest Expenses	19.84	18.99	17.08	17.56	14.99
Total Non-Interest Expense	63.21	61.15	56.14	56.03	51.13
Pretax Income	25.85	20.93	19.92	20.3	18.93
Provision for Income Taxes	6.02	4.58	4.38	4.17	3.8
Net Income	19.83	16.35	15.55	16.12	15.13
Net Income to Common	19.83	16.35	15.55	16.12	15.13
Net Income Growth	21.26%	5.19%	-3.58%	6.54%	33.25%
Shares Outstanding (Basic)	5	5	5	5	6
Shares Outstanding (Diluted)	5	5	6	6	6
Shares Change (YoY)	-0.21%	-2.27%	-0.90%	-1.52%	-1.25%
EPS (Basic)	3.74	3.08	2.87	2.94	2.71
EPS (Diluted)	3.62	2.98	2.77	2.85	2.63
EPS Growth	21.48%	7.58%	-2.81%	8.37%	34.87%
Free Cash Flow	19.96	19.97	20.83	18.05	26.42
Free Cash Flow Growth	-0.06%	-4.13%	15.39%	-31.66%	296.04%
Free Cash Flow Per Share	3.65	3.64	3.71	3.19	4.59
Dividends Per Share	0.800	0.760	0.760	0.720	0.660
Dividend Growth	5.26%	-	5.56%	9.09%	10.00%
Profit Margin	22.27%	19.92%	20.44%	21.12%	21.60%
FCF Margin	22.41%	24.33%	27.39%	23.65%	37.71%
EBITDA	2.74	2.89	3.13	6.03	5.57
EBITDA Margin	3.08%	3.52%	4.11%	7.90%	7.95%
Effective Tax Rate	23.29%	21.86%	21.97%	20.56%	20.05%

Updated Jan 26, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q