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Peoples Bancorp of North Carolina, Inc.

PEBK Financial Banks Regional

Peoples Bancorp of North Carolina, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $114.6 million, up 5.67% from fiscal 2024.

Revenue
+1.75%
EPS
+53.8%
Free cash flow
+91.8%
Total debt
0.00%

Quarter to September 2026, against a year earlier

43.20 1.31 −2.94%
Market cap
$236.0M
P/E
10.4×
Fwd P/E
11.8×
Dividend yield
1.92%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.05
Sold, $m 1.47
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — 1 — 2 —
Sell 1 — 4 1 2 2 2 4 3 3 1 —
Insider Ownership 11.11%

Capital & Financial Ratios $m

Size
Market Cap 236.04
Revenue ttm 116.20
Net income ttm 21.99
Free cash flow ttm 24.07
Net debt Q (41.69)
Valuation
P/E 10.44
Forward P/E 11.80
Price / sales 1.98
Forward P/S Powerpack
Price / FCF 9.55
Price / book 1.46
Financial health
Current ratio Q 0.87
Debt / equity Q 0.10
Interest coverage Q —
Growth
Revenue growth Q +1.75% (above 0%: growing)
Operating income growth Q +53.71% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A −6.74% (below 0%: weak)
EPS, past 5 yrs +13.17%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 37.40%
10-year low 10-year high
P/S against its own 10 years 42.90%
10-year low 10-year high
P/B against its own 10 years 82.25%
10-year low 10-year high

Dividends

Yield
1.92%
Annual rate
0.83
Payout ratio
20.7%
Growth, 2018–26
+2.43%/yr
  1. 0.52 ’18
  2. 0.56 ’19 +8
  3. 0.60 ’20 +7
  4. 0.66 ’21 +10
  5. 0.72 ’22 +9
  6. 0.76 ’23 +6
  7. 0.76 ’24 +0
  8. 0.80 ’25 +5
  9. 0.63 ’26 −21
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 82 59 58 57
Receivables — — — —
Inventory — — — —
Other — — — —
1,202 1,224 1,287 1,383
2023 2024 2025 Q'26
Payables 1,392 1,485 1,509 1,568
ST’ Debt — — — —
Other — — — —
1,495 1,502 1,526 1,586

Compound Annual Growth %

10y 5y 3y
Sales 8.23% 10.09% 12.21%
Cash Flow 4.42% 18.46% (1.87%)
Earnings 7.49% 11.79% 7.14%
Book Value 4.13% 2.35% 14.31%

EPS $

Mar Jun Sep Dec Year
’26 0.80 0.96 1.05 — —
’25 0.79 0.95 0.67 1.21 3.62
’24 0.72 0.89 0.72 0.65 2.98
’23 0.56 0.85 0.74 0.62 2.77
’22 0.61 0.57 0.93 0.74 2.85
’21 0.71 0.80 0.59 0.53 2.63
’20 0.40 0.44 0.78 0.33 1.95
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 27 29 29 — —
’25 26 28 29 31 115
’24 26 28 28 27 108
’23 20 24 25 25 95
’22 18 19 21 22 81
’21 18 19 17 18 72
’20 17 17 19 18 71
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 5 6 9 — —
’25 6 5 5 5 21
’24 4 7 5 5 21
’23 8 5 4 6 23
’22 7 2 8 5 23
’21 12 5 1 10 27
’20 2 4 2 1 9
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 5 6 8 — —
’25 5 5 4 5 20
’24 4 7 5 5 20
’23 7 6 4 5 22
’22 7 1 5 5 18
’21 12 5 1 9 27
’20 1 3 1 1 7
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 56 57 62 67 71 72 81 95 108 115 116 +8.3% — — — —
Gross margin, % 94.16 95.85 96.51 94.42 94.59 95.55 95.90 81.91 75.42 78.53 80.08 (15.6) pt
EBT 12 14 16 17 14 19 20 20 21 26 29 +9.2%
EBT margin, % 20.94 24.80 26.02 25.55 19.54 26.25 25.02 21.02 19.30 22.56 24.53 +1.6 pt
Net income 9 10 13 14 11 15 16 16 16 20 22 +8.9%
Per share, $
Per share, $ Revenue 9.30 9.57 10.26 11.61 12.53 12.93 14.80 17.47 20.46 21.60 21.84 +9.8%
Earnings 1.53 1.71 2.23 2.37 1.95 2.71 2.94 2.87 3.08 3.74 4.14 +10.5%
Cash flow 2.03 3.11 2.87 2.28 1.62 4.82 4.13 4.20 3.88 4.03 4.80 +7.9%
Capex (0.09) (0.92) (0.02) (0.46) (0.44) 0.03 (0.83) (0.09) (0.11) (0.19) (0.28) +9.3%
Free cash flow 1.94 2.18 2.85 1.82 1.18 4.86 3.29 4.11 3.77 3.83 4.52 +7.8%
Book value 17.83 19.37 20.62 23.12 24.73 25.53 19.20 22.31 24.63 29.62 29.63 +5.8%
Shares, m 6 6 6 6 6 6 5 5 5 5 5 (1.4%)
Valuation, ×
Valuation, × P/E 15.99 17.74 10.97 13.86 11.81 10.26 11.01 10.70 10.15 9.68 10.44 12.2
P/S 2.62 3.20 2.38 2.83 1.84 2.13 2.19 1.75 1.53 1.68 1.98 2.2
P/B 1.37 1.58 1.19 1.42 0.93 1.08 1.69 1.37 1.27 1.22 1.46 1.3
EV/Sales 2.10 2.56 2.01 2.28 (0.22) (1.50) 1.49 1.05 1.12 1.30 — 1.2
EV/FCF 10.04 11.21 7.25 14.57 (2.38) (4.00) 6.71 4.45 6.10 7.34 — 6.1
Cash, $m
Cash, $m Operating cash flow 12 19 17 13 9 27 23 23 21 21 26 +6.4%
Capex (1) (6) 0 (3) (2) 0 (5) 0 (1) (1) (1) +7.7%
Free cash flow 12 13 17 11 7 27 18 22 20 20 24 +6.3%
Balance, $m
Balance, $m Working capital (136) (130) (89) (85) (130) (286) (363) (293) (277) (239) (203) +6.5%
Net debt (29) (37) (23) (37) (146) (262) (56) (67) (44) (43) (42) +4.2%
Shareholders’ equity 107 116 124 134 140 142 105 121 131 157 158 +4.3%
Returns, %
Returns, % ROA 0.86 0.94 1.22 1.25 0.88 1.00 0.99 0.95 0.99 1.18 1.26 +0.3 pt
ROIC 9.41 11.20 9.92 11.04 0.00 0.00 25.85 23.01 15.08 14.11 15.36 +4.7 pt
ROE 8.65 9.19 11.17 10.92 8.29 10.72 13.03 13.74 13.00 13.79 14.32 +5.1 pt
People
People Employees 331 335 345 337 317 311 300 292 294 276 — (2.0%)
Revenue/emp, $m 0.17 0.17 0.18 0.20 0.22 0.23 0.27 0.32 0.37 0.42 — +10.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Peoples Bancorp of North Carolina, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NKSH National Bankshares, Inc. $251.1M 12.4× 11.4× +6.17% (above 0%: growing) +119.44% (above 0%: growing) +118.57% (above 0%: growing) 71.02% 0.00% Compare
CMTV Community Bancorp. $248.3M 14.1× — +8.55% (above 0%: growing) +16.67% (above 0%: growing) +17.48% (above 0%: growing) 73.88% 0.00% Compare
EFSI Eagle Financial Services Inc. $245.4M 13.1× 14.4× +10.87% (above 0%: growing) −6.12% (below 0%: shrinking) −435.67% (below 0%: shrinking) 77.54% 0.00% Compare
PEBK Peoples Bancorp of North Carolina, Inc. $236.0M 10.4× 11.8× +1.75% (above 0%: growing) +53.76% (above 0%: growing) +91.79% (above 0%: growing) 80.53% 0.00%
CFBK CF Bankshares Inc. $234.1M 11.9× 9.6× −0.68% (below 0%: shrinking) +18.18% (above 0%: growing) −35.84% (below 0%: shrinking) 52.15% 0.00% Compare
CZWI Citizens Community Bancorp, Inc. $227.4M 18.2× 15.0× −2.75% (below 0%: shrinking) −66.67% (below 0%: shrinking) +1,134.94% (above 0%: growing) 65.38% 0.00% Compare
OVBC Ohio Valley Banc Corp. $227.2M 16.0× 11.0× +11.63% (above 0%: growing) −30.34% (below 0%: shrinking) −91.53% (below 0%: shrinking) 69.70% 0.00% Compare
INBK First Internet Bancorp $225.1M 15.1× 11.6× +49.36% (above 0%: growing) n/m −20.56% (below 0%: shrinking) 49.24% 0.00% Compare
OPBK OP Bancorp $220.6M 7.6× 7.4× +5.31% (above 0%: growing) +28.57% (above 0%: growing) +3.10% (above 0%: growing) 58.66% 0.00% Compare
Median of peers $230.7M 13.6× 11.4× +7.36% +16.67% −8.73% 67.54% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 25 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2024 653.63k 542.13k 125,270.00
2023 649.37k 546.47k 120,160.00

Ownership

Directors and executive officers, together 14.50%
Wellington Group Holdings LLP280 Congress Street Boston, MA 9.21%
Robert C. Abernethy Sr.Post Office Box 6.19%
Robert C. Abernethy, Sr.4 6.19%
BlackRock, Inc. 5.01%
The Vanguard Group100 Vanguard Blvd.Malvern, PA 5.01%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Peoples Bancorp of North Carolina, Inc. (PEBK) Latest News

22 Oct

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20 Oct

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19 Oct

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7 Feb

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26 Jan

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24 Oct

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13 Jul

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22 Apr

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14 Mar

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27 Feb

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stockrow.com/PEBK · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com