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Financials · PEBK

Peoples Bancorp of North Carolina Inc. (PEBK) financials

For the twelve months ended Sep 30, 2026, Peoples Bancorp of North Carolina Inc. reported $93.05M of revenue and $21.99M of net income.

Revenue, TTM
$93.05M
Revenue growth, YoY
+7.6%
Net income, TTM
$21.99M
Net income growth, YoY
+31.2%
Net margin
23.6%
Free cash flow, TTM
$24.07M
EPS, diluted, TTM
$4.02
Cash
$57.15M
P/E
10.63
P/S
2.51
Market cap
$233.9M
Annual revenue$90.00M
FY2016FY2025
Annual net income$19.83M
FY2016FY2025
Annual free cash flow$19.96M
FY2016FY2025

PEBK revenue and earnings growth

PEBK revenueQ3 2026$23.38M

Quarter YoY
+5.1%
QoQ
+1.2%
FY YoY
+10.0%
5Y CAGR
+6.1%
10Y CAGR
+6.4%

PEBK revenue was $23.38M in fiscal Q3 2026 (ended Sep 30, 2026), up 5.1% from a year earlier and up 1.2% from the prior quarter. For the full fiscal 2025 it was $90.00M, up 10.0% from fiscal 2024. Compound annual growth was +6.1% over 5 years and +6.4% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

PEBK net incomeQ3 2026$5.73M

Quarter YoY
+55.1%
QoQ
+9.4%
FY YoY
+21.3%
5Y CAGR
+11.8%
10Y CAGR
+7.5%

PEBK net income was $5.73M in fiscal Q3 2026 (ended Sep 30, 2026), up 55.1% from a year earlier and up 9.4% from the prior quarter. For the full fiscal 2025 it was $19.83M, up 21.3% from fiscal 2024. Compound annual growth was +11.8% over 5 years and +7.5% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

PEBK EPSQ3 2026$1.05

Quarter YoY
+56.7%
QoQ
+9.4%
FY YoY
+21.5%
5Y CAGR
+13.2%
10Y CAGR
+8.8%

PEBK diluted EPS was $1.05 in fiscal Q3 2026 (ended Sep 30, 2026), up 56.7% from a year earlier and up 9.4% from the prior quarter. For the full fiscal 2025 it was $3.62, up 21.5% from fiscal 2024. Compound annual growth was +13.2% over 5 years and +8.8% over 10 years.

PEBK free cash flowQ3 2026$8.39M

Quarter YoY
+91.8%
QoQ
+38.9%
FY YoY
-0.1%
5Y CAGR
+24.5%
10Y CAGR
+5.7%

PEBK free cash flow was $8.39M in fiscal Q3 2026 (ended Sep 30, 2026), up 91.8% from a year earlier and up 38.9% from the prior quarter. For the full fiscal 2025 it was $19.96M, down 0.1% from fiscal 2024. Compound annual growth was +24.5% over 5 years and +5.7% over 10 years. It rose in 4 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$90.00M$81.79M$71.86M$54.43M$68.89M$67.04M$63.58M$59.37M$54.94M$52.77M
Interest expense$24.60M$26.65M$17.14M$3.32M$3.21M$3.84M$3.76M$2.15M$2.38M$3.27M
Pre-tax income$25.85M$20.93M$19.92M$20.30M$18.93M$13.85M$17.20M$16.01M$14.21M$11.74M
Income tax$6.02M$4.58M$4.38M$4.17M$3.80M$2.49M$3.14M$2.62M$3.95M$2.56M
Net income$19.83M$16.35M$15.55M$16.12M$15.13M$11.36M$14.07M$13.38M$10.27M$9.18M
EPS, basic$3.74$3.08$2.87$2.94$2.71$2.01$2.43$2.23$1.71$1.53
EPS, diluted$3.62$2.98$2.77$2.85$2.63$1.95$2.36$2.22$1.69$1.50
Diluted shares5.5M5.5M5.6M5.7M5.7M5.8M6.0M6.0M6.1M6.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$58.10M$59.27M$82.38M$71.60M$277.50M$161.58M$52.39M$43.37M$57.30M$70.09M
Total assets$1.70B$1.65B$1.64B$1.62B$1.62B$1.42B$1.15B$1.09B$1.09B$1.09B
Total liabilities$1.55B$1.52B$1.51B$1.52B$1.48B$1.28B$1.02B$969.63M$976.19M$980.56M
Shareholders' equity$157.12M$130.56M$121.02M$105.19M$142.37M$139.90M$134.12M$123.62M$115.97M$107.43M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$21.37M$20.56M$22.78M$22.62M$26.90M$9.16M$13.20M$17.19M$18.59M$12.24M
Capital expenditures$1.41M$587.0K$1.95M$4.56M$484.0K$2.49M$2.83M$1.74M$5.56M$1.61M
Free cash flow$19.96M$19.97M$20.83M$18.05M$26.42M$6.67M$10.36M$15.45M$13.04M$10.63M
Investing cash flow-$41.83M-$42.62M-$753.0K-$255.98M-$106.14M-$148.97M-$48.18M-$18.59M-$24.11M-$23.62M
Financing cash flow$19.30M-$1.04M-$11.25M$27.46M$195.16M$249.00M$44.00M-$12.53M-$7.28M$41.71M
Dividends paid$5.25M$5.05M$5.11M$4.93M$3.79M$4.39M$3.94M$3.13M$2.63M$2.11M
Share repurchases$0$2.00M$2.00M$710.0K$3.60M$3.00M----
Stock-based compensation----$181.0K$27.0K$270.0K$85.0K$592.0K$932.0K
Depreciation and amortization$2.74M$2.89M$3.13M$6.03M$5.57M$4.18M$3.96M$4.57M$5.02M$5.42M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY10.0%13.8%32.0%-21.0%2.8%5.4%7.1%8.1%4.1%8.8%
Net income growth, YoY21.3%5.2%-3.6%6.5%33.2%-19.3%5.1%30.3%11.9%-4.7%
EPS growth, YoY21.5%7.6%-2.8%8.4%34.9%-17.4%6.3%31.4%12.7%-3.8%
Net margin22.0%20.0%21.6%29.6%22.0%16.9%22.1%22.5%18.7%17.4%
Free cash flow margin22.2%24.4%29.0%33.2%38.3%9.9%16.3%26.0%23.7%20.1%
Return on equity12.6%12.5%12.8%15.3%10.6%8.1%10.5%10.8%8.9%8.5%
Return on assets1.2%1.0%1.0%1.0%0.9%0.8%1.2%1.2%0.9%0.8%

Source: XBRL data Peoples Bancorp of North Carolina Inc. files with the SEC, latest filing dated Nov 3, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

PEBK peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
PEBK$93.05M+7.6%$21.99M23.6%$233.9M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

PEBK FAQ

8 questions
  • What is PEBK revenue?
    Peoples Bancorp of North Carolina Inc. (PEBK) reported $93.05M of revenue for the twelve months ended Sep 30, 2026. That is up 7.6% from the year before. Revenue for fiscal 2025 was $90.00M.
  • Is PEBK profitable?
    Yes. Peoples Bancorp of North Carolina Inc. earned $21.99M in net income for the twelve months ended Sep 30, 2026, a net margin of 23.6%.
  • How much cash and debt does PEBK have?
    Peoples Bancorp of North Carolina Inc. reported $57.15M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is PEBK revenue growing?
    Peoples Bancorp of North Carolina Inc.'s revenue changed +10.0% in fiscal 2025, to $90.00M. Its compound annual growth rate was +6.1% over 5 years and +6.4% over 10 years.
  • What is PEBK free cash flow?
    Peoples Bancorp of North Carolina Inc. generated $24.07M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $25.54M less capital expenditures.
  • What is PEBK earnings per share?
    Diluted earnings per share were $4.02 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did PEBK last report financial results?
    The latest statements here come from Peoples Bancorp of North Carolina Inc.'s 10-Q filed on Nov 3, 2026, covering the period ended Sep 30, 2026.
  • Where does this PEBK financial data come from?
    Quantisnow builds these statements from the structured XBRL data Peoples Bancorp of North Carolina Inc. files with the SEC. It is provided for information only and is not investment advice.