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Peoples Bancorp of North Carolina, Inc. (PEBK)
NASDAQ: PEBK · Real-Time Price · USD
43.02
+0.55 (1.30%)
At close: Jul 24, 2026, 4:00 PM EDT
42.77
-0.25 (-0.58%)
After-hours: Jul 24, 2026, 7:34 PM EDT

PEBK Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
87.1789.0682.0876.0776.3370.06
Revenue Growth
3.62%8.50%7.90%-0.34%8.95%11.59%
Net Income
19.9619.8316.3515.5516.1215.13
Earnings Per Share
3.643.622.982.772.852.63
EPS Growth
17.04%21.48%7.58%-2.81%8.37%34.87%

Revenue by Segment
Chart
Fiscal YearFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Other
-0.93-1.08-1.05-0.51-0.27
Banking Operations (excl. Community Bank Real Estate Solutions, Llc (CBRES))
76.3171.4767.5265.1661.42
Community Bank Real Estate Solutions, Llc (CBRES)
13.6811.699.5911.688.91
Total
89.0682.0876.0776.3370.06

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Equivalents
60.8858.1159.2782.3871.6277.5
Total Debt
00015.4615.4615.46
Net Cash (Debt)
-0-0-0-15.46-15.46-15.46
Net Cash Growth
------
Net Cash Per Share
----2.76-2.73-2.69

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
20.4821.3720.5622.7822.6226.9
Capital Expenditures
-1.1-1.41-0.59-1.95-4.56-0.48
Free Cash Flow
19.3819.9619.9720.8318.0526.42
Free Cash Flow Growth
-10.24%-0.06%-4.13%15.39%-31.66%296.04%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Pretax Margin
29.75%29.03%25.50%26.19%26.59%27.02%
Profit Margin
22.89%22.27%19.92%20.44%21.12%21.60%
FCF Margin
0.00%22.41%24.33%27.39%23.65%37.71%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
1.0100.8000.7600.7600.7200.660
Dividend Per Share Growth
5.32%5.26%0%5.56%9.09%10.00%
Dividend Yield
2.35%2.73%3.05%3.04%2.77%2.47%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
11.8210.0010.4911.1711.4210.49
P/FCF Ratio
11.819.638.298.0610.175.91
PS Ratio
2.542.162.022.212.412.23