Peoples Bancorp of North Carolina, Inc. (PEBK)

PEBK Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	19.88	19.83	16.35	15.55	16.12	15.13
Depreciation & Amortization	2.71	2.74	2.89	3.13	6.03	5.57
Provision for Credit Losses	1.23	0.94	-0.29	1.57	1.47	-1.16
Stock-Based Compensation	0.16	0.19	0.21	0.19	0.25	0.18
Net Change in Loans Held-for-Sale	-1.06	0.51	-0.39	-0.25	3.78	5.5
Other Adjustments	-0.97	-2.72	1.13	1.63	-0.81	-0.75
Changes in Other Operating Activities	1.39	-0.11	0.65	0.98	-4.23	2.43
Operating Cash Flow	20.48	21.37	20.56	22.78	22.62	26.9
Operating Cash Flow Growth	-10.24%	3.96%	-9.75%	0.73%	-15.93%	193.60%
Net Change in Loans Held-for-Investment	-91.99	-66.79	-46.5	-60.77	-148.07	64.38
Net Change in Securities and Investments	10.03	25.55	3.53	60.5	-103.41	-170.7
Capital Expenditures	-1.1	-1.41	-0.59	-1.95	-4.56	-0.48
Sale of Property, Plant & Equipment	-	-	-	1.46	-	0.52
Other Investing Activities	3.41	0.82	0.93	-	0.07	0.15
Investing Cash Flow	-79.45	-41.83	-42.62	-0.75	-255.98	-106.14
Net Change in Deposits	22.99	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	0.07	0.05	0.05	-	0.04	-
Repurchase of Common Stock	-	-	-2.02	-2	-0.71	-3.61
Net Common Stock Issued (Repurchased)	0.07	0.05	-1.97	-2	-0.67	-3.61
Common Dividends Paid	-5.35	-5.25	-5.05	-5.11	-4.94	-3.79
Financing Cash Flow	17.71	19.3	-1.04	-11.25	27.46	195.16
Net Cash Flow	-41.26	-1.16	-23.11	10.78	-205.9	115.92
Free Cash Flow	19.38	19.96	19.97	20.83	18.05	26.42
Free Cash Flow Growth	-2.91%	-0.06%	-4.13%	15.39%	-31.66%	296.04%
FCF Margin	21.56%	22.41%	24.33%	27.39%	23.65%	37.71%
Free Cash Flow Per Share	3.54	3.65	3.64	3.71	3.19	4.59
Levered Free Cash Flow	22.89	21.04	19.31	17.7	13.36	22.65
Unlevered Free Cash Flow	3.01	1.21	2.95	2.16	-2.76	7.51

Updated May 7, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q