Peoples Bancorp of North Carolina, Inc. (PEBK)

PEBK Cash Flow 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 Income	19.83	16.35	15.55	16.12	15.13
Depreciation & Amortization	2.74	2.89	3.13	6.03	5.57
Provision for Credit Losses	0.94	-0.29	1.57	1.47	-1.16
Stock-Based Compensation	0.19	0.21	0.19	0.25	0.18
Net Change in Loans Held-for-Sale	0.51	-0.39	-0.25	3.78	5.5
Other Adjustments	-2.72	1.13	1.63	-0.81	-0.75
Changes in Other Operating Activities	-0.11	0.65	0.98	-4.23	2.43
Operating Cash Flow	21.37	20.56	22.78	22.62	26.9
Operating Cash Flow Growth	3.96%	-9.75%	0.73%	-15.93%	193.60%
Net Change in Loans Held-for-Investment	-66.79	-46.5	-60.77	-148.07	64.38
Net Change in Securities and Investments	25.55	3.53	60.5	-103.41	-170.7
Capital Expenditures	-1.41	-0.59	-1.95	-4.56	-0.48
Sale of Property, Plant & Equipment	-	-	1.46	-	0.52
Other Investing Activities	0.82	0.93	-	0.07	0.15
Investing Cash Flow	-41.83	-42.62	-0.75	-255.98	-106.14
Net Change in Deposits	24.49	92.69	-43.17	22.47	191.66
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	0	-86.72	39.03	10.59	10.89
Long-Term Debt Issued	0	0	0	0	0
Long-Term Debt Repaid	-0	-0	-0	-0	-0
Issuance of Common Stock	0.05	0.05	-	0.04	-
Repurchase of Common Stock	-	-2.02	-2	-0.71	-3.61
Net Common Stock Issued (Repurchased)	0.05	-1.97	-2	-0.67	-3.61
Common Dividends Paid	-5.25	-5.05	-5.11	-4.94	-3.79
Financing Cash Flow	19.3	-1.04	-11.25	27.46	195.16
Net Cash Flow	-1.16	-23.11	10.78	-205.9	115.92
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%
FCF Margin	22.41%	24.33%	27.39%	23.65%	37.71%
Free Cash Flow Per Share	3.65	3.64	3.71	3.19	4.59
Levered Free Cash Flow	21.04	19.31	17.7	13.36	22.65
Unlevered Free Cash Flow	1.21	2.95	2.16	-2.76	7.51

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

SEC Filings: 10-K · 10-Q