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Peoples Bancorp of North Carolina, Inc. (PEBK)
NASDAQ: PEBK · Real-Time Price · USD
44.14
+0.83 (1.92%)
At close: Sep 4, 2026, 4:00 PM EDT
44.10
-0.04 (-0.09%)
After-hours: Sep 4, 2026, 7:03 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
90.1889.0682.0876.0776.3370.06
Revenue Growth
7.19%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
17.06%21.48%7.58%-2.81%8.37%34.87%

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Banking Operations (excl. Community Bank Real Estate Solutions, Llc (CBRES))
78.7376.3171.4767.5265.1661.42
Other
-0.88-0.93-1.08-1.05-0.51-0.27
Community Bank Real Estate Solutions, Llc (CBRES)
12.3313.6811.699.5911.688.91
Total
90.1889.0682.0876.0776.3370.06

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
60.8858.1159.2782.3871.6277.5
Total Debt
18.7519.0819.6107.0168.3457.24
Net Cash (Debt)
42.1339.0339.67-24.643.26220.26
Net Cash Growth
-49.05%-1.61%---98.52%89.16%
Net Cash Per Share
7.707.137.23-4.390.5838.31

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
21.4421.3720.5622.7822.6226.9
Capital Expenditures
-1.39-1.41-0.59-1.95-4.56-0.48
Free Cash Flow
20.0519.9619.9720.8318.0526.42
Free Cash Flow Growth
-1.66%-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
Profit Margin
22.13%22.27%19.92%20.44%21.12%21.60%
FCF Margin
22.23%22.41%24.33%27.39%23.65%37.71%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '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
5.26%5.26%0%5.56%9.09%10.00%
Dividend Yield
2.29%2.25%2.56%2.67%2.50%2.79%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
12.139.6910.1311.0311.3910.32
P/FCF Ratio
11.719.638.298.2310.175.91
PS Ratio
2.602.162.022.252.402.23