Peoples Bancorp of North Carolina (PEBK) Financials

$41.60 -0.39 (-0.93%)

Closing price 07/10/2026 04:00 PM Eastern

Extended Trading

$41.62 +0.02 (+0.06%)

As of 07/10/2026 04:10 PM Eastern

Annual Income Statements for Peoples Bancorp of North Carolina

This table shows Peoples Bancorp of North Carolina's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	9.63	9.18	10	13	14	11	15	16	16	16	20
Consolidated Net Income / (Loss)	9.63	9.18	10	13	14	11	15	16	16	16	20
Net Income / (Loss) Continuing Operations	9.63	9.18	10	13	14	11	15	16	16	16	20
Total Pre-Tax Income	13	12	14	16	17	14	19	20	20	21	26
Total Revenue	48	53	55	59	64	67	69	78	78	82	90
Net Interest Income / (Expense)	35	37	40	43	46	44	44	51	55	54	59
Total Interest Income	39	40	42	45	50	48	47	54	72	81	84
Loans and Leases Interest Income	31	32	35	39	43	42	41	43	56	63	67
Investment Securities Interest Income	7.22	6.99	6.64	6.21	5.59	5.31	5.74	9.13	14	13	11
Deposits and Money Market Investments Interest Income	0.03	0.12	0.22	0.30	0.21	0.13	0.26	2.22	2.22	2.80	2.84
Other Interest Income	0.33	0.25	0.20	0.18	0.17	-	-	-	-	2.26	2.34
Total Interest Expense	3.48	3.27	2.38	2.15	3.76	3.84	3.21	3.32	17	27	25
Deposits Interest Expense	1.30	1.08	1.06	1.24	2.51	2.91	2.78	2.58	15	25	24
Long-Term Debt Interest Expense	2.14	2.15	1.25	0.79	1.05	0.73	0.42	0.53	1.08	1.12	0.96
Other Interest Expense	0.05	0.04	0.06	0.12	0.20	0.20	-	0.21	1.42	0.99	0.00
Total Non-Interest Income	13	16	15	16	18	23	25	27	23	28	31
Other Service Charges	13	14	14	15	16	18	25	27	25	28	28
Net Realized & Unrealized Capital Gains on Investments	0.25	0.79	-0.24	0.03	-0.01	5.06	0.13	-0.09	-2.30	0.01	2.93
Provision for Credit Losses	-0.02	-1.21	-0.51	0.79	0.86	4.26	-1.16	1.47	1.57	-0.29	0.94
Total Non-Interest Expense	36	42	41	43	46	49	51	56	56	61	63
Salaries and Employee Benefits	18	19	20	22	23	24	25	26	27	28	28
Net Occupancy & Equipment Expense	6.29	6.77	6.70	7.17	7.36	7.93	7.86	8.05	7.96	8.69	8.95
Marketing Expense	0.78	1.14	1.20	0.92	1.02	0.79	0.54	0.69	0.75	0.79	1.01
Property & Liability Insurance Claims	0.68	0.49	0.35	0.33	0.12	0.26	0.42	0.46	0.75	0.76	0.78
Other Operating Expenses	9.74	15	13	13	14	16	18	21	20	23	24
Income Tax Expense	3.10	2.56	3.95	2.62	3.14	2.49	3.80	4.17	4.38	4.58	6.02
Basic Earnings per Share	$1.57	$1.53	$1.71	$2.23	$2.43	$2.01	$2.71	$2.94	$2.87	$3.08	$3.74
Weighted Average Basic Shares Outstanding	5.56M	6.02M	5.99M	6.00M	5.91M	5.79M	5.66M	5.64M	5.46M	5.46M	5.46M
Diluted Earnings per Share	$1.56	$1.50	$1.69	$2.22	$2.36	$1.95	$2.63	$2.85	$2.77	$2.98	$3.62
Weighted Average Diluted Shares Outstanding	5.56M	6.02M	5.99M	6.00M	5.91M	5.79M	5.66M	5.64M	5.46M	5.46M	5.46M
Weighted Average Basic & Diluted Shares Outstanding	5.56M	6.02M	5.99M	6.00M	5.91M	5.79M	5.66M	5.64M	5.46M	5.46M	5.46M
Cash Dividends to Common per Share	$0.25	$0.35	$0.44	$0.52	$0.66	$0.75	$0.66	$0.87	$0.91	$0.92	$0.96

This table shows Peoples Bancorp of North Carolina's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	4.13	0.64	3.95	4.89	3.96	3.92	4.35	5.16	3.69	6.63	4.40
Consolidated Net Income / (Loss)	4.13	3.44	3.95	4.89	3.96	3.56	4.35	5.16	3.69	6.63	4.40
Net Income / (Loss) Continuing Operations	4.13	0.64	3.95	4.89	3.96	3.92	4.35	5.16	3.69	6.63	4.40
Total Pre-Tax Income	5.30	4.42	4.74	6.27	5.33	4.59	5.63	6.66	4.79	8.76	5.65
Total Revenue	20	19	19	21	21	21	20	22	22	25	22
Net Interest Income / (Expense)	13	15	13	13	14	14	14	15	15	15	15
Total Interest Income	18	19	20	20	20	20	20	21	21	22	21
Loans and Leases Interest Income	14	15	15	16	16	16	16	17	17	17	17
Investment Securities Interest Income	3.56	-	3.77	3.77	3.76	3.72	2.96	3.37	3.22	0.99	2.62
Deposits and Money Market Investments Interest Income	0.61	0.71	0.91	0.73	0.61	0.56	0.35	0.71	1.01	0.78	0.24
Other Interest Income	-	-	-	-	-	-	0.65	-	-	-	0.55
Total Interest Expense	4.97	5.89	6.51	6.65	6.92	6.58	6.03	6.12	6.29	6.17	5.77
Deposits Interest Expense	4.26	6.58	5.74	6.07	6.50	6.24	5.79	5.88	6.04	5.93	5.56
Long-Term Debt Interest Expense	0.70	-0.41	0.77	0.59	0.42	-0.65	0.24	0.24	0.24	0.23	0.22
Total Non-Interest Income	6.77	6.13	6.04	7.52	7.10	7.06	6.53	7.69	7.13	9.63	6.47
Other Service Charges	6.77	8.22	6.04	7.52	7.09	7.06	6.53	7.69	7.13	6.70	6.47
Net Realized & Unrealized Capital Gains on Investments	0.00	-4.79	0.00	0.00	0.01	0.36	-0.00	0.00	0.00	2.94	0.00
Provision for Credit Losses	0.56	-	0.09	-0.47	0.30	-0.21	0.27	-0.21	0.53	0.35	0.56
Total Non-Interest Expense	14	15	15	15	15	16	15	16	17	16	15
Salaries and Employee Benefits	6.72	7.13	6.98	6.83	6.60	7.80	6.79	7.17	7.09	7.20	7.25
Net Occupancy & Equipment Expense	1.99	1.98	2.11	2.11	2.45	2.02	2.03	2.06	2.28	2.58	2.31
Marketing Expense	0.22	0.19	0.20	0.10	0.19	0.31	0.25	0.25	0.27	0.25	0.26
Property & Liability Insurance Claims	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.20	0.20	0.19
Other Operating Expenses	5.14	6.79	5.04	5.91	5.59	6.16	5.32	6.18	7.09	5.65	5.36
Income Tax Expense	1.17	0.98	0.79	1.39	1.37	1.03	1.29	1.50	1.10	2.13	1.25
Basic Earnings per Share	$0.76	$0.65	$0.74	$0.93	$0.74	$0.67	$0.82	$0.97	$0.70	$1.25	$0.83
Weighted Average Basic Shares Outstanding	5.54M	5.46M	5.29M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M
Diluted Earnings per Share	$0.74	$0.62	$0.72	$0.89	$0.72	$0.65	$0.79	$0.95	$0.67	$1.21	$0.80
Weighted Average Diluted Shares Outstanding	5.54M	5.46M	5.29M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M
Weighted Average Basic & Diluted Shares Outstanding	5.54M	5.46M	5.29M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M
Cash Dividends to Common per Share	$0.19	$0.19	$0.35	$0.19	$0.19	$0.19	$0.36	$0.20	$0.20	$0.20	$0.38

This table details how cash moves in and out of Peoples Bancorp of North Carolina's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	-29	30	-13	-14	312	109	116	-206	11	-23	-1.16
Net Cash From Operating Activities	14	12	19	17	13	9.16	27	23	23	21	21
Net Cash From Continuing Operating Activities	14	12	19	17	12	8.76	27	20	16	21	21
Net Income / (Loss) Continuing Operations	9.63	9.18	10	13	14	11	15	16	16	0.00	0.00
Provision For Loan Losses	-0.02	-1.21	-0.51	0.79	0.86	4.26	-1.16	1.47	1.57	-0.29	0.94
Depreciation Expense	6.05	5.42	5.02	4.57	3.96	4.18	5.57	6.03	3.13	2.89	2.74
Non-Cash Adjustments to Reconcile Net Income	-2.95	-1.83	5.08	-0.70	-2.84	-8.23	4.93	-3.59	-5.32	17	17
Changes in Operating Assets and Liabilities, net	1.15	0.67	-1.27	-0.86	-3.70	-2.81	2.43	0.13	1.38	1.12	0.49
Net Cash From Investing Activities	-30	-24	-24	-19	-48	-149	-106	-256	-0.75	-43	-42
Net Cash From Continuing Investing Activities	-30	-24	-24	-19	45	-149	-107	-256	-0.75	-43	-42
Purchase of Property, Leasehold Improvements and Equipment	-2.35	-1.61	-5.56	-1.74	-2.84	-2.49	-0.48	-4.56	-1.95	-0.59	-1.41
Purchase of Investment Securities	-63	-49	-47	-82	-7.75	-128	-145	-298	-71	-76	-85
Sale and/or Maturity of Investments	35	27	28	64	55	82	38	47	70	34	45
Net Cash From Financing Activities	-13	42	-7.28	-13	44	249	195	27	-11	-1.04	19
Net Cash From Continuing Financing Activities	-13	42	-7.28	-13	254	249	195	-17	-11	-1.04	19
Net Change in Deposits	17	61	14	-30	89	255	192	-22	-43	93	24
Issuance of Debt	20	6.00	0.00	0.00	185	70	0.00	0.00	0.00	0.00	0.00
Repayment of Debt	-32	-39	-20	-4.28	-84	-77	-0.16	-0.16	-43	-0.16	-0.16
Repurchase of Common Equity	-	-	-	-	-	-3.00	-3.61	-0.71	-2.00	-2.00	0.00
Payment of Dividends	-1.57	-2.11	-2.64	-3.13	-3.94	-4.39	-3.79	-4.94	-5.11	-5.05	-5.25
Other Financing Activities, Net	-17	16	1.51	25	69	8.99	11	11	82	-87	0.21
Cash Interest Paid	3.52	3.42	2.53	2.13	3.75	3.86	3.22	3.28	16	28	25
Cash Income Taxes Paid	2.28	2.03	2.41	1.16	-	2.78	3.67	4.66	4.45	4.54	4.86

This table details how cash moves in and out of Peoples Bancorp of North Carolina's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	-12	5.76	16	-15	-9.67	-14	43	-0.52	15	-59	3.15
Net Cash From Operating Activities	4.19	5.72	3.67	6.66	4.90	5.28	5.92	5.47	4.69	5.29	5.03
Net Cash From Continuing Operating Activities	-13	23	3.67	6.66	4.90	50	5.92	5.47	4.69	5.29	5.03
Net Income / (Loss) Continuing Operations	-20	28	3.95	4.89	3.96	29	0.00	5.16	3.69	-13	0.00
Provision For Loan Losses	-	0.41	0.09	-0.47	0.30	-	0.27	-0.21	0.53	0.35	0.56
Depreciation Expense	0.70	0.71	0.67	0.76	0.76	0.71	0.68	0.71	0.74	0.62	0.65
Non-Cash Adjustments to Reconcile Net Income	3.88	-5.42	-0.92	-0.04	0.46	20	5.82	-1.02	-0.31	17	3.76
Changes in Operating Assets and Liabilities, net	0.88	0.09	-0.12	1.52	-0.57	0.14	-0.85	0.84	0.04	0.45	0.06
Net Cash From Investing Activities	-16	-14	-17	-4.08	-7.21	-14	6.41	-1.15	-28	-19	-31
Net Cash From Continuing Investing Activities	-4.87	-14	-17	-4.08	-7.21	-32	6.41	-1.15	-28	-19	-31
Purchase of Property, Leasehold Improvements and Equipment	-0.57	-0.43	-0.13	-0.09	-0.21	-0.16	-0.76	-0.10	-0.31	-0.23	-0.45
Purchase of Investment Securities	-0.32	-63	-24	-8.38	-23	-21	-14	-5.94	-32	-33	-39
Sale and/or Maturity of Investments	-6.71	50	6.90	4.39	16	-11	21	-4.84	17	14	8.37
Net Cash From Financing Activities	-0.80	14	29	-18	-7.36	-4.68	31	-4.84	38	-45	29
Net Cash From Continuing Financing Activities	-0.80	14	29	-18	-7.36	-97	31	-4.84	38	-45	29
Net Change in Deposits	11	11	60	24	4.02	-	33	-3.75	39	-44	31
Payment of Dividends	-1.06	-1.06	-1.93	-1.04	-1.04	-1.04	-1.97	-1.09	-1.09	-1.09	-2.08
Other Financing Activities, Net	33	3.84	-27	-40	-10	-8.43	0.05	-	-	0.16	0.07
Cash Interest Paid	4.82	5.72	6.52	8.09	6.89	6.58	6.03	6.17	6.28	6.18	5.87
Cash Income Taxes Paid	1.96	0.99	0.24	1.60	1.31	1.39	0.35	1.77	1.89	0.85	0.00

This table presents Peoples Bancorp of North Carolina's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	1,038	1,088	1,092	1,093	1,155	1,416	1,624	1,621	1,636	1,652	1,702
Cash and Due from Banks	29	54	53	41	48	43	45	50	33	31	28
Interest Bearing Deposits at Other Banks	11	16	4.12	2.82	0.72	119	233	22	50	28	30
Trading Account Securities	269	250	229	195	196	245	407	446	393	389	378
Loans and Leases, Net of Allowance	680	716	753	798	843	959	876	1,022	1,082	1,128	1,194
Loans and Leases	689	724	760	804	850	949	885	1,033	1,093	1,138	1,204
Allowance for Loan and Lease Losses	9.59	7.55	6.37	6.45	6.68	-9.91	9.36	10	11	10.00	10
Premises and Equipment, Net	17	16	20	18	19	19	16	18	17	15	14
Other Assets	19	18	18	20	24	25	26	63	62	60	57
Total Liabilities & Shareholders' Equity	1,038	1,088	1,092	1,093	1,155	1,416	1,624	1,621	1,636	1,652	1,702
Total Liabilities	934	981	976	970	1,021	1,276	1,482	1,516	1,515	1,521	1,545
Non-Interest Bearing Deposits	244	272	285	299	338	457	514	523	433	402	395
Interest Bearing Deposits	588	621	622	578	629	106	898	912	959	1,082	1,115
Long-Term Debt	64	41	21	21	16	15	15	15	15	15	15
Other Long-Term Liabilities	9.45	11	11	14	14	14	17	17	21	21	20
Total Equity & Noncontrolling Interests	105	107	116	124	134	798	142	105	119	131	157
Total Preferred & Common Equity	105	107	116	124	134	140	142	105	121	131	157
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	105	107	116	124	134	798	142	105	119	131	157
Common Stock	46	44	62	62	60	715	51	50	51	50	50
Retained Earnings	53	60	50	61	71	78	89	100	110	121	136
Accumulated Other Comprehensive Income / (Loss)	5.51	2.99	3.59	0.99	3.64	5.40	0.10	-48	-39	-39	-27
Other Equity Adjustments	-	-	-	-	-	-	1.99	2.18	-1.91	-1.76	-1.51

This table presents Peoples Bancorp of North Carolina's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	1,607	1,670	1,655	1,662	1,693	1,694	1,738	1,734
Cash and Due from Banks	36	26	32	36	32	33	29	32
Interest Bearing Deposits at Other Banks	41	72	51	37	70	69	88	29
Trading Account Securities	381	396	395	400	375	373	378	372
Loans and Leases, Net of Allowance	1,068	1,118	1,101	1,114	1,142	1,148	1,173	1,233
Loans and Leases	1,078	1,107	1,111	1,124	1,152	1,158	1,183	1,243
Allowance for Loan and Lease Losses	10	-11	10	11	10	9.79	10	10
Premises and Equipment, Net	17	16	16	15	15	15	14	14
Other Assets	65	63	61	60	58	56	55	54
Total Liabilities & Shareholders' Equity	1,607	1,670	1,655	1,662	1,693	1,694	1,738	1,734
Total Liabilities	1,500	1,548	1,531	1,525	1,554	1,550	1,589	1,576
Non-Interest Bearing Deposits	445	463	416	409	413	407	411	408
Interest Bearing Deposits	936	989	1,060	1,071	1,105	1,107	1,142	1,133
Long-Term Debt	15	15	15	15	15	15	15	15
Other Long-Term Liabilities	21	21	21	21	21	21	21	20
Total Equity & Noncontrolling Interests	107	121	122	133	137	142	149	158
Total Preferred & Common Equity	107	121	124	136	139	144	149	158
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	107	121	122	133	137	142	149	158
Common Stock	49	47	49	47	49	49	47	50
Retained Earnings	107	112	116	119	123	128	130	138
Accumulated Other Comprehensive Income / (Loss)	-51	-39	-40	-31	-34	-32	-29	-29
Other Equity Adjustments	2.01	1.94	-1.98	-1.77	-1.84	-1.53	1.52	-1.56

This table displays calculated financial ratios and metrics derived from Peoples Bancorp of North Carolina's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	5,515,738.00	5,417,800.00	5,450,412.00	5,995,256.00	5,912,300.00	5,787,504.00	5,661,569.00	5,637,830.00	5,542,299.00	-	5,459,441.00
DEI Adjusted Shares Outstanding	5,515,738.00	5,417,800.00	5,450,412.00	5,995,256.00	5,912,300.00	5,787,504.00	5,661,569.00	5,637,830.00	5,542,299.00	-	5,459,441.00
DEI Earnings Per Adjusted Shares Outstanding	1.75	1.69	1.88	2.23	2.38	1.96	2.67	2.86	2.81	-	3.63
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	4.75%	8.83%	4.10%	8.07%	7.10%	5.43%	2.77%	12.92%	-0.21%	5.83%	10.03%
EBITDA Growth	3.14%	-8.65%	12.07%	6.99%	2.87%	-14.83%	35.88%	7.46%	-12.45%	4.91%	20.03%
EBIT Growth	12.43%	-7.81%	21.10%	12.60%	7.48%	-19.51%	36.71%	7.22%	-1.83%	6.87%	23.51%
NOPAT Growth	2.61%	-4.73%	11.89%	30.33%	5.12%	-19.26%	33.25%	6.54%	-3.58%	5.19%	21.26%
Net Income Growth	2.61%	-4.73%	11.89%	30.33%	5.12%	-19.26%	33.25%	6.54%	-3.58%	5.19%	21.26%
EPS Growth	-6.02%	-3.85%	12.67%	31.36%	6.31%	-17.37%	34.87%	8.37%	-2.81%	7.58%	21.48%
Operating Cash Flow Growth	623.16%	-11.71%	51.92%	-7.57%	-23.22%	-30.58%	193.60%	-15.93%	0.73%	-9.75%	3.96%
Free Cash Flow Firm Growth	375.81%	-29.31%	-5.36%	-171.57%	390.71%	-91.16%	-52.84%	2,312.60%	-192.04%	337.95%	-107.19%
Invested Capital Growth	-9.58%	-6.29%	-5.49%	16.05%	-14.02%	4.37%	7.36%	-13.64%	32.58%	-34.57%	18.19%
Revenue Q/Q Growth	1.91%	5.18%	-2.07%	3.06%	0.16%	4.58%	-32.16%	78.56%	-2.37%	3.40%	4.35%
EBITDA Q/Q Growth	7.16%	-9.59%	11.74%	3.30%	-2.47%	147.55%	-61.44%	833.31%	-12.98%	4.60%	14.99%
EBIT Q/Q Growth	11.97%	-11.55%	16.46%	5.60%	-2.76%	334.32%	-67.61%	301.30%	-13.20%	5.28%	17.30%
NOPAT Q/Q Growth	4.01%	-8.80%	7.41%	11.93%	-3.23%	-8.43%	7.74%	4.31%	-1.48%	0.74%	18.35%
Net Income Q/Q Growth	4.01%	-8.80%	7.41%	11.93%	-3.23%	-8.43%	7.74%	7.61%	-4.36%	0.74%	18.35%
EPS Q/Q Growth	0.00%	-8.54%	17.36%	11.56%	-2.88%	-8.02%	8.23%	7.95%	-4.15%	1.02%	18.30%
Operating Cash Flow Q/Q Growth	273.26%	1.60%	32.13%	4.98%	-7.14%	-24.88%	46.32%	-15.98%	1.66%	-2.06%	-0.20%
Free Cash Flow Firm Q/Q Growth	75.82%	319.16%	-18.95%	-156.30%	222.70%	361.72%	-97.84%	-13.59%	-20.24%	51.09%	-156.04%
Invested Capital Q/Q Growth	-10.83%	-18.26%	-17.01%	3.18%	-29.06%	-29.92%	1.88%	6.97%	8.43%	-8.83%	4.64%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	38.74%	32.52%	35.01%	34.66%	33.29%	26.89%	35.56%	33.84%	29.69%	29.43%	31.77%
EBIT Margin	26.26%	22.24%	25.88%	26.96%	27.06%	20.65%	27.48%	26.09%	25.66%	25.92%	28.72%
Profit (Net Income) Margin	19.86%	17.39%	18.69%	22.54%	22.12%	16.94%	21.97%	20.72%	20.03%	19.90%	22.03%
Tax Burden Percent	75.65%	78.18%	72.23%	83.61%	81.77%	82.02%	79.95%	79.44%	78.03%	78.14%	76.71%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	98.30%	100.00%
Effective Tax Rate	24.35%	21.82%	27.77%	16.39%	18.23%	17.98%	20.05%	20.56%	21.97%	21.86%	23.29%
Return on Invested Capital (ROIC)	4.65%	4.81%	5.72%	7.11%	7.48%	6.39%	8.04%	8.88%	7.94%	8.86%	12.45%
ROIC Less NNEP Spread (ROIC-NNEP)	4.65%	4.81%	5.72%	7.11%	7.48%	6.39%	8.04%	8.88%	7.94%	8.86%	12.45%
Return on Net Nonoperating Assets (RNNOA)	4.82%	3.83%	3.47%	4.07%	3.44%	-3.95%	-4.82%	4.15%	5.92%	4.33%	1.34%
Return on Equity (ROE)	9.47%	8.65%	9.19%	11.17%	10.92%	2.44%	3.22%	13.03%	13.86%	13.19%	13.79%
Cash Return on Invested Capital (CROIC)	14.71%	11.30%	11.37%	-7.75%	22.56%	2.11%	0.94%	23.51%	-20.08%	50.66%	-4.22%
Operating Return on Assets (OROA)	1.22%	1.10%	1.30%	1.46%	1.53%	1.08%	1.25%	1.25%	1.22%	1.30%	1.54%
Return on Assets (ROA)	0.93%	0.86%	0.94%	1.22%	1.25%	0.88%	1.00%	0.99%	0.95%	0.99%	1.18%
Return on Common Equity (ROCE)	9.47%	8.65%	9.19%	11.17%	10.92%	2.44%	3.22%	13.03%	13.86%	13.19%	13.79%
Return on Equity Simple (ROE_SIMPLE)	9.19%	8.54%	8.85%	10.83%	10.49%	8.12%	10.63%	15.33%	12.85%	12.53%	12.62%
Net Operating Profit after Tax (NOPAT)	9.63	9.18	10	13	14	11	15	16	16	16	20
NOPAT Margin	19.86%	17.39%	18.69%	22.54%	22.12%	16.94%	21.97%	20.72%	20.03%	19.90%	22.03%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	52.29%	51.47%	50.88%	49.89%	49.74%	48.12%	47.76%	44.82%	45.54%	45.87%	42.45%
Operating Expenses to Revenue	73.78%	80.04%	75.05%	71.71%	71.59%	72.99%	74.21%	72.02%	72.32%	74.43%	70.23%
Earnings before Interest and Taxes (EBIT)	13	12	14	16	17	14	19	20	20	21	26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	19	17	19	21	21	18	24	26	23	24	29
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.82	1.04	1.20	1.01	1.26	0.15	1.01	1.61	1.38	1.31	1.25
Price to Tangible Book Value (P/TBV)	0.82	1.04	1.20	1.01	1.26	0.15	1.01	1.61	1.38	1.31	1.25
Price to Revenue (P/Rev)	1.77	2.11	2.54	2.10	2.65	1.79	2.09	2.17	2.11	2.05	2.17
Price to Earnings (P/E)	8.92	12.14	13.58	9.30	11.99	10.55	9.52	10.49	10.55	10.07	9.87
Dividend Yield	1.80%	1.85%	1.88%	2.51%	2.31%	3.62%	2.59%	2.90%	3.08%	2.98%	2.68%
Earnings Yield	11.22%	8.24%	7.36%	10.76%	8.34%	9.48%	10.51%	9.54%	9.48%	9.93%	10.14%
Enterprise Value to Invested Capital (EV/IC)	0.70	0.64	0.81	0.79	0.90	0.00	0.00	0.95	0.82	0.85	0.89
Enterprise Value to Revenue (EV/Rev)	2.85	2.24	2.56	2.69	2.46	0.00	0.00	2.06	2.37	1.52	1.70
Enterprise Value to EBITDA (EV/EBITDA)	7.35	6.90	7.31	7.76	7.38	0.00	0.00	6.10	7.97	5.15	5.35
Enterprise Value to EBIT (EV/EBIT)	10.85	10.08	9.89	9.98	9.08	0.00	0.00	7.91	9.22	5.85	5.92
Enterprise Value to NOPAT (EV/NOPAT)	14.34	12.90	13.68	11.94	11.10	0.00	0.00	9.96	11.82	7.61	7.72
Enterprise Value to Operating Cash Flow (EV/OCF)	9.96	9.67	7.56	9.30	11.83	0.00	0.00	7.10	8.07	6.06	7.16
Enterprise Value to Free Cash Flow (EV/FCFF)	4.53	5.49	6.89	0.00	3.68	0.00	0.00	3.76	0.00	1.33	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.88	0.72	0.50	0.64	0.30	0.05	0.37	0.60	0.86	0.12	0.10
Long-Term Debt to Equity	0.61	0.38	0.18	0.17	0.12	0.02	0.11	0.15	0.13	0.12	0.10
Financial Leverage	1.04	0.80	0.61	0.57	0.46	-0.62	-0.60	0.47	0.75	0.49	0.11
Leverage Ratio	10.21	10.02	9.76	9.12	8.72	2.76	3.23	13.11	14.52	13.26	11.66
Compound Leverage Factor	10.21	10.02	9.76	9.12	8.72	2.76	3.23	13.11	14.52	13.04	11.66
Debt to Total Capital	46.73%	41.77%	33.48%	38.90%	22.90%	4.96%	26.96%	37.51%	46.18%	10.72%	8.96%
Short-Term Debt to Total Capital	14.16%	19.75%	21.66%	28.71%	13.92%	3.12%	19.03%	28.33%	39.19%	0.00%	0.00%
Long-Term Debt to Total Capital	32.57%	22.02%	11.83%	10.19%	8.98%	1.84%	7.93%	9.19%	6.99%	10.72%	8.96%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	53.27%	58.23%	66.52%	61.10%	77.10%	95.04%	73.04%	62.49%	53.82%	89.28%	91.04%
Debt to EBITDA	4.90	4.49	3.04	3.83	1.88	2.31	2.15	2.40	4.43	0.64	0.54
Net Debt to EBITDA	2.78	0.41	0.06	1.72	-0.59	-6.65	-9.18	-0.32	0.86	-1.81	-1.49
Long-Term Debt to EBITDA	3.41	2.37	1.07	1.00	0.74	0.86	0.63	0.59	0.67	0.64	0.54
Debt to NOPAT	9.55	8.40	5.69	5.88	2.83	3.67	3.47	3.92	6.57	0.95	0.78
Net Debt to NOPAT	5.42	0.76	0.10	2.64	-0.89	-10.56	-14.86	-0.52	1.27	-2.68	-2.15
Long-Term Debt to NOPAT	6.66	4.43	2.01	1.54	1.11	1.36	1.02	0.96	0.99	0.95	0.78
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	30	22	20	-15	42	3.75	1.77	43	-39	94	-6.73
Operating Cash Flow to CapEx	588.91%	760.19%	334.61%	5,176.81%	491.33%	367.66%	0.00%	495.64%	4,668.03%	3,502.21%	1,512.60%
Free Cash Flow to Firm to Interest Expense	8.75	6.59	8.58	-6.80	11.30	0.98	0.55	12.85	-2.29	3.51	-0.27
Operating Cash Flow to Interest Expense	3.98	3.74	7.82	8.01	3.51	2.39	8.39	6.81	1.33	0.77	0.87
Operating Cash Flow Less CapEx to Interest Expense	3.30	3.25	5.48	7.85	2.80	1.74	8.40	5.43	1.30	0.75	0.81
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.05	0.05	0.06	0.05	0.05	0.05	0.05	0.05	0.05
Fixed Asset Turnover	2.85	3.16	3.02	3.10	3.43	3.60	3.97	4.54	4.45	5.21	6.20
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	197	184	174	202	174	182	195	168	223	146	173
Invested Capital Turnover	0.23	0.28	0.31	0.32	0.34	0.38	0.37	0.43	0.40	0.45	0.56
Increase / (Decrease) in Invested Capital	-21	-12	-10	28	-28	7.60	13	-27	55	-77	27
Enterprise Value (EV)	138	118	141	160	156	-0.14	-81	161	184	125	153
Market Capitalization	86	111	139	124	169	120	144	169	164	168	196
Book Value per Share	$19.01	$19.83	$21.28	$20.62	$22.68	$137.84	$25.15	$18.66	$21.49	$23.60	$28.78
Tangible Book Value per Share	$19.01	$19.83	$21.28	$20.62	$22.68	$137.84	$25.15	$18.66	$21.49	$23.60	$28.78
Total Capital	197	184	174	202	174	839	195	168	221	144	173
Total Debt	92	77	58	79	40	42	53	63	102	15	15
Total Long-Term Debt	64	41	21	21	16	15	15	15	15	15	15
Net Debt	52	6.96	1.07	35	-13	-120	-225	-8.44	20	-44	-43
Capital Expenditures (CapEx)	2.35	1.61	5.56	0.33	2.69	2.49	-0.03	4.56	0.49	0.59	1.41
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	92	77	58	79	40	-616	53	63	104	17	15
Total Depreciation and Amortization (D&A)	6.05	5.42	5.02	4.57	3.96	4.18	5.57	6.03	3.13	2.89	2.74
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.73	$1.68	$1.71	$2.23	$2.37	$1.95	$2.71	$2.94	$2.87	$3.08	$3.74
Adjusted Weighted Average Basic Shares Outstanding	5.51M	5.43M	6.00M	6.00M	5.91M	5.79M	5.66M	5.64M	5.46M	5.46M	5.46M
Adjusted Diluted Earnings per Share	$1.72	$1.65	$1.69	$2.22	$2.36	$1.95	$2.63	$2.85	$2.77	$2.98	$3.62
Adjusted Weighted Average Diluted Shares Outstanding	5.51M	5.43M	6.00M	6.00M	5.91M	5.79M	5.66M	5.64M	5.46M	5.46M	5.46M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	5.51M	5.43M	6.00M	6.00M	5.91M	5.79M	5.66M	5.64M	5.46M	5.46M	5.46M
Normalized Net Operating Profit after Tax (NOPAT)	9.63	9.18	10	13	14	11	15	16	16	16	20
Normalized NOPAT Margin	19.86%	17.39%	18.69%	22.54%	22.12%	16.94%	21.97%	20.72%	20.03%	19.90%	22.03%
Pre Tax Income Margin	26.26%	22.24%	25.88%	26.96%	27.06%	20.65%	27.48%	26.09%	25.66%	25.47%	28.72%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	3.65	3.59	5.98	7.46	4.58	3.61	5.91	6.11	1.16	0.80	1.05
NOPAT to Interest Expense	2.76	2.81	4.32	6.24	3.74	2.96	4.72	4.85	0.91	0.61	0.81
EBIT Less CapEx to Interest Expense	2.98	3.10	3.64	7.30	3.86	2.96	5.92	4.73	1.13	0.78	0.99
NOPAT Less CapEx to Interest Expense	2.09	2.31	1.98	6.08	3.03	2.31	4.73	3.48	0.88	0.59	0.75
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	16.34%	22.95%	25.66%	23.41%	28.00%	38.67%	25.06%	30.61%	32.86%	30.86%	26.46%
Augmented Payout Ratio	16.34%	22.95%	25.66%	23.41%	28.00%	65.08%	48.89%	35.01%	45.70%	43.08%	26.46%

This table displays calculated financial ratios and metrics derived from Peoples Bancorp of North Carolina's official financial filings.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	5,590,799.00	5,542,299.00	5,455,999.00	5,291,029.00	5,457,646.00	-	5,455,999.00	5,459,441.00	5,459,441.00	5,459,441.00	5,461,490.00
DEI Adjusted Shares Outstanding	5,590,799.00	5,542,299.00	5,455,999.00	5,291,029.00	5,457,646.00	-	5,455,999.00	5,459,441.00	5,459,441.00	5,459,441.00	5,461,490.00
DEI Earnings Per Adjusted Shares Outstanding	0.74	0.62	0.72	0.92	0.73	-	0.80	0.95	0.68	1.22	0.81
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-2.29%	-9.25%	2.81%	3.78%	2.64%	14.57%	5.85%	6.46%	7.76%	19.73%	5.37%
EBITDA Growth	-26.30%	-28.60%	-10.11%	0.50%	1.55%	21.03%	16.72%	4.78%	-9.19%	77.22%	-0.14%
EBIT Growth	-21.21%	-26.98%	-7.36%	1.52%	0.64%	24.90%	18.94%	6.20%	-10.11%	90.96%	0.28%
NOPAT Growth	-22.23%	-6.37%	24.46%	1.66%	-4.10%	3.49%	10.06%	5.56%	-6.72%	86.37%	1.22%
Net Income Growth	-22.23%	-17.07%	24.46%	1.66%	-4.10%	3.49%	10.06%	5.56%	-6.72%	86.37%	1.22%
EPS Growth	-20.43%	-16.22%	28.57%	4.71%	-2.70%	4.84%	9.72%	6.74%	-6.94%	86.15%	1.27%
Operating Cash Flow Growth	-50.40%	7.79%	-54.38%	37.70%	16.95%	-7.58%	61.46%	-17.84%	-4.29%	-0.79%	-15.12%
Free Cash Flow Firm Growth	-212.91%	-269.93%	-341.66%	231.48%	211.92%	257.03%	309.35%	-93.62%	-102.14%	-124.68%	-132.96%
Invested Capital Growth	30.80%	32.58%	15.31%	-28.24%	-22.18%	-34.57%	-21.35%	0.55%	2.97%	18.19%	12.74%
Revenue Q/Q Growth	-0.30%	-7.87%	4.37%	8.25%	-1.40%	2.85%	-1.91%	8.88%	-0.20%	12.33%	-13.67%
EBITDA Q/Q Growth	-14.35%	-22.01%	15.66%	30.08%	-13.45%	-7.05%	19.17%	16.77%	-24.99%	69.78%	-32.85%
EBIT Q/Q Growth	-14.29%	-25.17%	19.45%	32.50%	-15.03%	-7.13%	22.73%	18.31%	-28.08%	82.87%	-35.55%
NOPAT Q/Q Growth	-14.16%	-16.67%	14.80%	23.81%	-19.03%	-10.08%	22.08%	18.76%	-28.45%	79.66%	-33.70%
Net Income Q/Q Growth	-14.16%	-16.67%	14.80%	23.81%	-19.03%	-10.08%	22.08%	18.76%	-28.45%	79.66%	-33.70%
EPS Q/Q Growth	-12.94%	-16.22%	16.13%	23.61%	-19.10%	-9.72%	21.54%	20.25%	-29.47%	80.60%	-33.88%
Operating Cash Flow Q/Q Growth	-13.38%	36.46%	-35.80%	81.47%	-26.43%	6.73%	11.08%	-7.66%	-14.30%	12.86%	-4.97%
Free Cash Flow Firm Q/Q Growth	13.37%	-15.95%	57.12%	405.30%	-26.26%	62.68%	-42.84%	-90.70%	-124.80%	-1,772.37%	23.65%
Invested Capital Q/Q Growth	-6.86%	8.43%	-12.29%	-18.99%	0.99%	-8.83%	5.44%	3.57%	3.43%	4.64%	0.58%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	29.80%	25.22%	27.95%	33.59%	29.48%	26.64%	30.82%	33.06%	24.84%	37.55%	29.21%
EBIT Margin	26.33%	21.39%	24.48%	29.97%	25.82%	23.32%	27.51%	29.89%	21.54%	35.07%	26.18%
Profit (Net Income) Margin	20.52%	18.56%	20.41%	23.35%	19.17%	16.76%	21.22%	23.15%	16.60%	26.54%	20.39%
Tax Burden Percent	77.91%	77.75%	83.38%	77.91%	74.25%	77.56%	77.15%	77.44%	77.05%	75.69%	77.87%
Interest Burden Percent	100.00%	111.58%	100.00%	100.00%	100.00%	92.69%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	22.09%	22.25%	16.62%	22.09%	25.76%	22.45%	22.85%	22.56%	22.95%	24.31%	22.13%
Return on Invested Capital (ROIC)	8.98%	7.36%	8.73%	9.71%	8.32%	7.46%	10.06%	12.32%	8.81%	15.00%	11.34%
ROIC Less NNEP Spread (ROIC-NNEP)	8.98%	7.36%	8.73%	9.71%	8.32%	7.46%	10.06%	12.32%	8.81%	15.00%	11.34%
Return on Net Nonoperating Assets (RNNOA)	6.46%	5.49%	4.80%	5.99%	4.37%	3.65%	3.59%	2.48%	1.34%	1.61%	1.26%
Return on Equity (ROE)	15.45%	12.85%	13.53%	15.70%	12.69%	11.11%	13.66%	14.80%	10.14%	16.61%	12.60%
Cash Return on Invested Capital (CROIC)	-18.00%	-20.08%	-5.29%	41.52%	33.82%	50.66%	33.48%	10.16%	7.38%	-4.22%	0.17%
Operating Return on Assets (OROA)	1.28%	1.02%	1.17%	1.45%	1.26%	1.17%	1.36%	1.51%	1.09%	1.88%	1.39%
Return on Assets (ROA)	0.99%	0.88%	0.98%	1.13%	0.93%	0.84%	1.05%	1.17%	0.84%	1.42%	1.08%
Return on Common Equity (ROCE)	15.45%	12.85%	13.53%	15.70%	12.69%	11.11%	13.66%	14.80%	10.14%	16.61%	12.60%
Return on Equity Simple (ROE_SIMPLE)	15.14%	0.00%	13.48%	13.19%	11.91%	0.00%	12.09%	11.82%	11.21%	0.00%	12.57%
Net Operating Profit after Tax (NOPAT)	4.13	3.44	3.95	4.89	3.96	3.56	4.35	5.16	3.69	6.63	4.40
NOPAT Margin	20.52%	18.56%	20.41%	23.35%	19.17%	16.76%	21.22%	23.15%	16.60%	26.54%	20.39%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	44.38%	50.18%	48.03%	43.12%	44.74%	47.72%	44.30%	42.49%	43.32%	40.12%	45.48%
Operating Expenses to Revenue	70.87%	78.61%	75.05%	72.27%	72.74%	77.65%	71.18%	71.06%	76.08%	63.52%	71.22%
Earnings before Interest and Taxes (EBIT)	5.30	3.96	4.74	6.27	5.33	4.95	5.63	6.66	4.79	8.76	5.65
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	5.99	4.67	5.41	7.03	6.09	5.66	6.31	7.37	5.53	9.38	6.30
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.11	1.38	1.22	1.22	1.01	1.31	1.06	1.11	1.12	1.25	1.35
Price to Tangible Book Value (P/TBV)	1.11	1.38	1.22	1.22	1.01	1.31	1.06	1.11	1.12	1.25	1.35
Price to Revenue (P/Rev)	1.50	2.11	1.88	1.89	1.69	2.05	1.74	1.86	1.94	2.17	2.35
Price to Earnings (P/E)	6.41	10.55	10.88	10.99	9.98	10.07	8.61	9.06	9.78	9.87	10.76
Dividend Yield	4.23%	3.08%	3.41%	3.26%	3.74%	2.98%	3.52%	3.26%	3.10%	2.68%	2.50%
Earnings Yield	15.61%	9.48%	9.19%	9.10%	10.02%	9.93%	11.61%	11.04%	10.23%	10.14%	9.30%
Enterprise Value to Invested Capital (EV/IC)	0.68	0.82	0.63	0.64	0.53	0.85	0.37	0.45	0.40	0.89	0.97
Enterprise Value to Revenue (EV/Rev)	1.77	2.37	1.58	1.28	1.07	1.52	0.69	0.84	0.76	1.70	1.85
Enterprise Value to EBITDA (EV/EBITDA)	5.32	7.97	5.14	4.33	3.67	5.15	2.31	2.79	2.65	5.35	5.88
Enterprise Value to EBIT (EV/EBIT)	6.14	9.22	5.84	4.93	4.19	5.85	2.62	3.14	2.99	5.92	6.50
Enterprise Value to NOPAT (EV/NOPAT)	8.93	11.82	7.58	6.15	5.23	7.61	3.41	4.17	3.93	7.72	8.45
Enterprise Value to Operating Cash Flow (EV/OCF)	6.29	8.07	6.72	4.99	4.05	6.06	2.51	3.28	3.07	7.16	8.21
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	1.28	1.37	1.33	0.98	4.39	5.49	0.00	613.43
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.92	0.86	0.62	0.28	0.18	0.12	0.11	0.11	0.10	0.10	0.10
Long-Term Debt to Equity	0.14	0.13	0.13	0.13	0.12	0.12	0.11	0.11	0.10	0.10	0.10
Financial Leverage	0.72	0.75	0.55	0.62	0.52	0.49	0.36	0.20	0.15	0.11	0.11
Leverage Ratio	15.54	14.52	13.87	13.92	13.62	13.26	13.05	12.65	12.05	11.66	11.63
Compound Leverage Factor	15.54	16.20	13.87	13.92	13.62	12.29	13.05	12.65	12.05	11.66	11.63
Debt to Total Capital	47.85%	46.18%	38.15%	21.89%	15.25%	10.72%	10.17%	9.79%	9.38%	8.96%	8.91%
Short-Term Debt to Total Capital	40.33%	39.19%	30.25%	12.02%	5.38%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	7.51%	6.99%	7.90%	9.87%	9.87%	10.72%	10.17%	9.79%	9.38%	8.96%	8.91%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	52.15%	53.82%	61.85%	78.11%	84.75%	89.28%	89.84%	90.21%	90.62%	91.04%	91.09%
Debt to EBITDA	3.72	4.43	3.10	1.47	1.03	0.64	0.63	0.61	0.62	0.54	0.54
Net Debt to EBITDA	0.83	0.86	-0.97	-2.08	-2.13	-1.81	-3.52	-3.40	-4.08	-1.49	-1.60
Long-Term Debt to EBITDA	0.58	0.67	0.64	0.66	0.67	0.64	0.63	0.61	0.62	0.54	0.54
Debt to NOPAT	6.24	6.57	4.58	2.09	1.47	0.95	0.92	0.91	0.92	0.78	0.78
Net Debt to NOPAT	1.39	1.27	-1.43	-2.96	-3.04	-2.68	-5.20	-5.08	-6.06	-2.15	-2.30
Long-Term Debt to NOPAT	0.98	0.99	0.95	0.94	0.95	0.95	0.92	0.91	0.92	0.78	0.78
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-44	-51	-22	67	50	81	46	4.29	-1.06	-20	-15
Operating Cash Flow to CapEx	0.00%	1,341.55%	2,866.41%	7,652.87%	2,310.38%	3,301.25%	776.41%	0.00%	1,492.99%	2,261.11%	1,122.32%
Free Cash Flow to Firm to Interest Expense	-8.93	-8.73	-3.39	10.11	7.17	12.28	7.66	0.70	-0.17	-3.23	-2.63
Operating Cash Flow to Interest Expense	0.84	0.97	0.56	1.00	0.71	0.80	0.98	0.89	0.75	0.86	0.87
Operating Cash Flow Less CapEx to Interest Expense	1.28	0.90	0.54	0.99	0.68	0.78	0.86	2.47	0.70	0.82	0.79
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05
Fixed Asset Turnover	4.51	4.45	4.53	4.84	4.97	5.21	5.28	5.54	5.82	6.20	6.24
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	206	223	196	159	160	146	154	159	165	173	174
Invested Capital Turnover	0.44	0.40	0.43	0.42	0.43	0.45	0.47	0.53	0.53	0.56	0.56
Increase / (Decrease) in Invested Capital	48	55	26	-62	-46	-77	-42	0.87	4.76	27	20
Enterprise Value (EV)	141	184	124	101	85	125	57	71	66	153	168
Market Capitalization	119	164	147	149	134	168	144	158	167	196	214
Book Value per Share	$19.20	$21.49	$22.19	$23.12	$24.32	$23.60	$25.05	$26.10	$27.38	$28.78	$28.95
Tangible Book Value per Share	$19.20	$21.49	$22.19	$23.12	$24.32	$23.60	$25.05	$26.10	$27.38	$28.78	$28.95
Total Capital	206	221	196	157	157	144	152	158	165	173	174
Total Debt	98	102	75	34	24	15	15	15	15	15	15
Total Long-Term Debt	15	15	15	15	15	15	15	15	15	15	15
Net Debt	22	20	-23	-49	-49	-44	-87	-87	-102	-43	-46
Capital Expenditures (CapEx)	-2.16	0.43	0.13	0.09	0.21	0.16	0.76	-9.63	0.31	0.23	0.45
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	98	104	75	36	27	17	17	17	15	15	15
Total Depreciation and Amortization (D&A)	0.70	0.71	0.67	0.76	0.76	0.71	0.68	0.71	0.74	0.62	0.65
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.76	$0.65	$0.74	$0.93	$0.74	$0.67	$0.82	$0.97	$0.70	$1.25	$0.83
Adjusted Weighted Average Basic Shares Outstanding	5.54M	5.46M	5.29M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M
Adjusted Diluted Earnings per Share	$0.74	$0.62	$0.72	$0.89	$0.72	$0.65	$0.79	$0.95	$0.67	$1.21	$0.80
Adjusted Weighted Average Diluted Shares Outstanding	5.54M	5.46M	5.29M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	5.54M	5.46M	5.29M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M	5.46M
Normalized Net Operating Profit after Tax (NOPAT)	4.13	3.44	3.95	4.89	3.96	3.56	4.35	5.16	3.69	6.63	4.40
Normalized NOPAT Margin	20.52%	18.56%	20.41%	23.35%	19.17%	16.76%	21.22%	23.15%	16.60%	26.54%	20.39%
Pre Tax Income Margin	26.33%	23.87%	24.48%	29.97%	25.82%	21.61%	27.51%	29.89%	21.54%	35.07%	26.18%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.07	0.67	0.73	0.94	0.77	0.75	0.93	1.09	0.76	1.42	0.98
NOPAT to Interest Expense	0.83	0.58	0.61	0.73	0.57	0.54	0.72	0.84	0.59	1.08	0.76
EBIT Less CapEx to Interest Expense	1.50	0.60	0.71	0.93	0.74	0.73	0.81	2.66	0.71	1.38	0.90
NOPAT Less CapEx to Interest Expense	1.27	0.51	0.59	0.72	0.54	0.52	0.59	2.42	0.54	1.04	0.68
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	31.20%	32.86%	31.32%	30.99%	31.20%	30.86%	30.36%	30.19%	30.99%	26.46%	26.93%
Augmented Payout Ratio	42.21%	45.70%	55.80%	50.27%	45.50%	43.08%	30.36%	30.19%	30.99%	26.46%	26.93%

Financials Breakdown Chart

Key Financial Trends

Peoples Bancorp of North Carolina (NASDAQ: PEBK) showed a mixed but generally improving operating picture in Q1 2026, with stronger earnings and solid deposit growth offset by a smaller securities portfolio and continued pressure from interest expenses and a lean equity base.

Net income improved sharply year over year in Q1 2026. The company earned $4.4 million, up from $3.7 million in Q3 2025 and far above the weak results seen in Q4 2025.
Profitability rebounded from the prior quarter. Pre-tax income rose to $5.6 million in Q1 2026 from $4.8 million in Q3 2025 and $8.8 million in Q4 2025, with Q4 helped by investment gains.
Net interest income remained stable and healthy. Q1 2026 net interest income was $15.1 million, roughly in line with recent quarters and supported by relatively steady loan yield performance.
Operating cash flow was strong. The bank generated $5.0 million from operating activities in Q1 2026, indicating the earnings power is still translating into cash.
Deposit growth was solid in Q1 2026. Net change in deposits was up $31.3 million, helping fund the balance sheet and support lending activity.
Loan growth continued. Loans and leases increased to $1.243 billion in Q1 2026 from $1.183 billion in Q3 2025 and $1.158 billion in Q2 2025, showing continued expansion of the core earning asset base.
The company still relies heavily on spread income. Non-interest income was $6.5 million in Q1 2026, a meaningful but smaller contributor than net interest income.
Expense control was decent but not outstanding. Non-interest expense totaled $15.4 million in Q1 2026, only slightly below revenue, leaving modest operating leverage.
Interest expense remains elevated. Deposits interest expense of $5.6 million consumed a large portion of interest income, limiting margin expansion.
Book equity remains thin relative to assets. Total equity was $158.1 million versus $1.73 billion in assets, reflecting a bank with a highly leveraged balance sheet, which is normal for the sector but still worth monitoring.

Looking over the last four years, the broader trend is encouraging for revenue and loan growth, but not without volatility. Interest income has risen materially from 2023 levels, and the loan book has expanded steadily. At the same time, deposit costs and other operating expenses have been important headwinds, and quarterly results can swing when investment gains or losses appear in non-interest income.

Balance sheet quality appears stable overall. Total assets rose modestly year over year, deposits increased, and the allowance for loan and lease losses stood at $10.5 million against $1.24 billion in loans, suggesting the company is still reserving for credit risk, though credit loss expense was modest in Q1 2026 at $560 thousand.

Bottom line: PEBK looks like a steady community bank with improving core earnings, growing loans, and decent cash generation. The main things investors should watch are net interest margin pressure, deposit costs, and whether the bank can keep growing earnings without relying on one-time gains.

07/12/26 11:24 PM ETAI Generated. May Contain Errors.

Peoples Bancorp of North Carolina Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Peoples Bancorp of North Carolina's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Peoples Bancorp of North Carolina's net income appears to be on an upward trend, with a most recent value of $19.83 million in 2025, rising from $9.63 million in 2015. The previous period was $16.35 million in 2024. Find out what analysts predict for Peoples Bancorp of North Carolina in the coming months.

Over the last 10 years, Peoples Bancorp of North Carolina's total revenue changed from $48.49 million in 2015 to $90.00 million in 2025, a change of 85.6%.

Peoples Bancorp of North Carolina's total liabilities were at $1.55 billion at the end of 2025, a 1.6% increase from 2024, and a 65.5% increase since 2015.

In the past 10 years, Peoples Bancorp of North Carolina's cash and equivalents has ranged from $27.72 million in 2025 to $53.61 million in 2016, and is currently $27.72 million as of their latest financial filing in 2025.

Over the last 10 years, Peoples Bancorp of North Carolina's book value per share changed from 19.01 in 2015 to 28.78 in 2025, a change of 51.4%.

Related Companies

Financial statements for NASDAQ:PEBK last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Peoples Bancorp of North Carolina (PEBK) Financials

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Peoples Bancorp of North Carolina (PEBK) Financials

Annual Income Statements for Peoples Bancorp of North Carolina

Quarterly Income Statements for Peoples Bancorp of North Carolina

Annual Cash Flow Statements for Peoples Bancorp of North Carolina

Quarterly Cash Flow Statements for Peoples Bancorp of North Carolina

Annual Balance Sheets for Peoples Bancorp of North Carolina

Quarterly Balance Sheets for Peoples Bancorp of North Carolina

Annual Metrics And Ratios for Peoples Bancorp of North Carolina

Quarterly Metrics And Ratios for Peoples Bancorp of North Carolina

Financials Breakdown Chart

Key Financial Trends

Peoples Bancorp of North Carolina Financials - Frequently Asked Questions

When does Peoples Bancorp of North Carolina's financial year end?

How has Peoples Bancorp of North Carolina's net income changed over the last 10 years?

How has Peoples Bancorp of North Carolina's revenue changed over the last 10 years?

How much debt does Peoples Bancorp of North Carolina have?

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How has Peoples Bancorp of North Carolina's book value per share changed over the last 10 years?

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