Saturday 17 October 2026
Export PEBK’s income statement to Excel — free account
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. In the quarter to June 2026, revenue was flat, EPS grew 1.03%, free cash flow grew 10.0% and total debt was flat, each against the same quarter a year earlier. Revenue growth for ten consecutive years; insiders bought in the last twelve months.
44.32
0.16
+0.36%
Follow PEBK
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
15.99 | 17.74 | 10.97 | 13.86 | 11.81 | 10.26 | 11.01 | 10.70 | 10.15 | 9.68 |
Piotroski F-Score |
8 | 8 | 8 | 7 | 5 | 7 | 7 | 7 | 8 | 8 |
P/S ratio |
2.62 | 3.20 | 2.38 | 2.83 | 1.84 | 2.13 | 2.19 | 1.75 | 1.53 | 1.68 |
P/FCF ratio |
12.56 | 14.01 | 8.58 | 18.05 | 19.52 | 5.68 | 9.82 | 7.45 | 8.29 | 9.44 |
P/Operating CF |
(728.07) | 42.43 | 28.56 | 46.25 | 119.91 | 16.02 | 33.45 | 29.06 | 31.06 | 36.30 |
P/B ratio |
1.37 | 1.58 | 1.19 | 1.42 | 0.93 | 1.08 | 1.69 | 1.37 | 1.27 | 1.22 |
Price to Tangible BV |
1.37 | 1.58 | 1.19 | 1.42 | 0.93 | 1.08 | 1.69 | 1.37 | 1.27 | 1.22 |
EV/Sales |
2.10 | 2.56 | 2.01 | 2.28 | (0.22) | (1.50) | 1.49 | 1.05 | 1.12 | 1.30 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
9.61 | 7.88 | 7.21 | 11.65 | (1.73) | (4.02) | 5.36 | 4.35 | 5.93 | 6.99 |
EV/FCF |
10.04 | 11.21 | 7.25 | 14.57 | (2.38) | (4.00) | 6.71 | 4.45 | 6.10 | 7.34 |
Quick Ratio |
0.07 | 0.06 | 0.05 | 0.05 | 0.13 | 0.19 | 0.05 | 0.06 | 0.04 | 0.04 |
Current Ratio |
0.86 | 0.86 | 0.91 | 0.92 | 0.90 | 0.80 | 0.76 | 0.80 | 0.82 | 0.84 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
3.73% | 1.89% | 1.89% | 1.35% | 1.09% | 0.95% | 0.95% | 0.95% | 0.94% | 0.91% |
Debt/Equity |
0.38 | 0.18 | 0.17 | 0.12 | 0.11 | 0.11 | 0.15 | 0.13 | 0.12 | 0.10 |
Asset Turnover |
0.05 | 0.05 | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.06 | 0.07 | 0.07 |
Operating CF/Net income |
1.33 | 1.81 | 1.28 | 0.94 | 0.81 | 1.78 | 1.40 | 1.47 | 1.26 | 1.08 |
Capex/Depreciation |
(0.10) | (1.10) | (0.02) | (0.67) | (0.60) | 0.03 | (0.76) | (0.16) | (0.20) | (0.38) |
| 8.65% | 9.19% | 11.17% | 10.92% | 8.29% | 10.72% | 13.03% | 13.74% | 13.00% | 13.79% | |
| 0.86% | 0.94% | 1.22% | 1.25% | 0.88% | 1.00% | 0.99% | 0.95% | 0.99% | 1.18% | |
ROIC |
9.41% | 11.20% | 9.92% | 11.04% | 0.00% | 0.00% | 25.85% | 23.01% | 15.08% | 14.11% |
Return on Tangible Assets |
(7.66%) | (9.32%) | (18.94%) | (21.14%) | (10.22%) | (5.61%) | (4.67%) | (5.63%) | (6.23%) | (8.81%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
73.22% | 71.05% | 70.49% | 68.87% | 75.05% | 69.30% | 70.89% | 60.89% | 56.12% | 55.98% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(1.20) | (0.82) | (0.75) | (0.55) | (1.14) | (1.99) | (2.16) | (1.89) | (1.79) | (1.35) |
Graham Number |
24.75 | 27.42 | 32.17 | 35.12 | 32.94 | 39.31 | 35.63 | 37.89 | 41.31 | 49.92 |
Earnings Yield |
6.25% | 5.64% | 9.12% | 7.21% | 8.47% | 9.75% | 9.09% | 9.34% | 9.86% | 10.33% |
Free Cash Flow Yield |
7.96% | 7.14% | 11.65% | 5.54% | 5.12% | 17.60% | 10.18% | 13.42% | 12.06% | 10.59% |
Revenue per Share |
9.30 | 9.57 | 10.26 | 11.61 | 12.53 | 12.93 | 14.80 | 17.47 | 20.46 | 21.60 |
Operating CF per Share |
2.03 | 3.11 | 2.87 | 2.28 | 1.62 | 4.82 | 4.13 | 4.20 | 3.88 | 4.03 |
Capex per Share |
(0.09) | (0.92) | (0.02) | (0.46) | (0.44) | 0.03 | (0.83) | (0.09) | (0.11) | (0.19) |
Free Cash Flow per Share |
1.94 | 2.18 | 2.85 | 1.82 | 1.18 | 4.86 | 3.29 | 4.11 | 3.77 | 3.83 |
Cash per Share |
11.63 | 9.57 | 7.23 | 9.03 | 28.56 | 49.77 | 13.07 | 15.18 | 11.18 | 10.95 |
Shareholders Equity per Share |
17.83 | 19.37 | 20.62 | 23.12 | 24.73 | 25.53 | 19.20 | 22.31 | 24.63 | 29.62 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
17.83 | 19.37 | 20.62 | 23.12 | 24.73 | 25.53 | 19.20 | 22.31 | 24.63 | 29.62 |
Free Cash Flow |
11.71 | 13.08 | 17.09 | 10.55 | 6.67 | 27.08 | 18.05 | 22.29 | 19.97 | 20.34 |
Working Capital |
(136.22) | (130.14) | (89.12) | (85.14) | (129.69) | (285.79) | (363.23) | (293.05) | (277.47) | (239.24) |
Capital Expenditures |
(0.53) | (5.51) | (0.10) | (2.64) | (2.49) | 0.18 | (4.56) | (0.49) | (0.59) | (1.03) |
Net Current Asset Value |
(176.84) | (150.76) | (109.73) | (104.40) | (148.62) | (305.93) | (383.88) | (313.35) | (297.07) | (258.32) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.10 | 0.00 | 0.04 | 0.04 | 0.00 | 0.06 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
12.53 | 12.89 | 9.16 | 11.08 | 9.41 | 8.13 | 8.74 | 8.34 | 7.92 | 7.43 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.33 | 0.25 | 0.25 | 0.21 | 0.22 | 0.35 | 0.33 | 0.19 | 0.19 | 0.19 |
Cash ROIC |
5.37% | 6.75% | 9.11% | 5.22% | 2.10% | 6.22% | 9.39% | 10.19% | 9.73% | 8.82% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
99,637.75 | 139,266.92 | 149,199.79 | 93,899.04 | 116,187.80 | 160,890.18 | 157,644.74 | 29,638.71 | 20,331.91 | 22,392.06 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
862.55 | 899.94 | 892.08 | 921.87 | 1,093.80 | 1,316.92 | 1,423.98 | 1,413.63 | 1,438.39 | 1,496.98 |
Average Assets |
1,063.24 | 1,090.08 | 1,092.71 | 1,124.07 | 1,285.53 | 1,520.18 | 1,622.56 | 1,628.42 | 1,643.94 | 1,677.06 |
Average Common Equity |
106.15 | 111.70 | 119.80 | 128.87 | 137.01 | 141.13 | 123.78 | 113.11 | 125.79 | 143.84 |
Columns are period end dates