Saturday 17 October 2026 Export PEBK’s income statement to Excel — free account

Peoples Bancorp of North Carolina, Inc.

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%

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Market cap: $241.2M
P/E: 11.8×
Fwd P/E: 11.8×
Dividend yield: 1.87%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.02

Total sells 1.44

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	1	—	—
Sell	2	1	—	4	1	2	2	2	4	3	3	—

Insider Ownership 11.09%

Capital & Financial Ratios $m

Market Cap 241.18

Revenue 115.70

Net Income 19.96

Free Cash Flow 20.05

Net Debt (45.41)

Current Ratio 0.86

Debt/Equity 0.10

P/E ratio 11.79

Fwd P/E 11.80

P/S ratio 2.04

P/B ratio 1.46

Past 5Y EPS Growth 13.17%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth (6.74%)

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 69.19%

10-year low 10-year high

P/S against its own 10 years 52.75%

10-year low 10-year high

P/B against its own 10 years 83.12%

10-year low 10-year high

Dividends

Payout Ratio 0.23

Annual Dividend Rate 0.83

Annual Dividend Yield 1.87%

	total	individual payouts
2026	0.63	0.17 0.21 0.21 0.21
2025	0.80	0.16 0.20 0.20 0.20 0.20
2024	0.76	0.16 0.19 0.19 0.19 0.19
2023	0.76	0.15 0.19 0.19 0.19 0.19
2022	0.72	0.15 0.18 0.18 0.18 0.18
2021	0.66	0.16 0.16 0.17 0.17
2020	0.60	0.15 0.15 0.15 0.15 0.15
2019	0.56	0.10 0.14 0.14 0.14 0.14
2018	0.52	0.13 0.13 0.13 0.13
2017	0.44	0.11 0.11 0.11 0.11
2016	0.35	0.07 0.09 0.09 0.09

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	82	59	58	61
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,202	1,224	1,287	1,363

	2023	2024	2025	Q'26
Payables	1,392	1,485	1,509	1,567
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,495	1,502	1,526	1,585

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	27	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	—	—	—
’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	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.80	0.96	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	16.62	19.65	20.03	22.09	13.30	19.71	24.42	16.35	23.74	23.74	Analyst estimates 2026–2028 Powerpack
	High	24.45	36.12	33.49	34.32	33.18	29.69	32.56	34.88	33.31	38.46
People
People	Employees	331	335	345	337	317	311	300	292	294	276
	Revenue/emp, $m	0.17	0.17	0.18	0.20	0.22	0.23	0.27	0.32	0.37	0.42
Income, $m
Income, $m	Revenue	56	57	62	67	71	72	81	95	108	115
	Gross margin, %	94.16	95.85	96.51	94.42	94.59	95.55	95.90	81.91	75.42	78.53
	EBT	12	14	16	17	14	19	20	20	21	26
	EBT margin, %	20.94	24.80	26.02	25.55	19.54	26.25	25.02	21.02	19.30	22.56
	Net income	9	10	13	14	11	15	16	16	16	20
	Depreciation	5	5	5	4	4	6	6	3	3	3
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
	Earnings	1.53	1.71	2.23	2.37	1.95	2.71	2.94	2.87	3.08	3.74
	Cash flow	2.03	3.11	2.87	2.28	1.62	4.82	4.13	4.20	3.88	4.03
	Capex	(0.09)	(0.92)	(0.02)	(0.46)	(0.44)	0.03	(0.83)	(0.09)	(0.11)	(0.19)
	Free cash flow	1.94	2.18	2.85	1.82	1.18	4.86	3.29	4.11	3.77	3.83
	Book value	17.83	19.37	20.62	23.12	24.73	25.53	19.20	22.31	24.63	29.62
	Shares, m	6	6	6	6	6	6	5	5	5	5
Valuation, ×
Valuation, ×	P/E	15.99	17.74	10.97	13.86	11.81	10.26	11.01	10.70	10.15	9.68
	P/S	2.62	3.20	2.38	2.83	1.84	2.13	2.19	1.75	1.53	1.68
	P/B	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/FCF	10.04	11.21	7.25	14.57	(2.38)	(4.00)	6.71	4.45	6.10	7.34
Cash, $m
Cash, $m	Operating cash flow	12	19	17	13	9	27	23	23	21	21
	Capex	(1)	(6)	0	(3)	(2)	0	(5)	0	(1)	(1)
	Free cash flow	12	13	17	11	7	27	18	22	20	20
Balance, $m
Balance, $m	Working capital	(136)	(130)	(89)	(85)	(130)	(286)	(363)	(293)	(277)	(239)
	Total debt	41	21	21	16	15	15	15	15	15	15
	Net debt	(29)	(37)	(23)	(37)	(146)	(262)	(56)	(67)	(44)	(43)
	Shareholders’ equity	107	116	124	134	140	142	105	121	131	157
Returns, %
Returns, %	ROA	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
	ROE	8.65	9.19	11.17	10.92	8.29	10.72	13.03	13.74	13.00	13.79

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
HWBK Hawthorn Bancshares, Inc.	$263.1M	9.9×	10.0×	+9.30% (above 0%: growing)	+20.45% (above 0%: growing)	+123.49% (above 0%: growing)	76.36%	0.00%	Compare
GBFH GBank Financial Holdings Inc.	$257.6M	13.6×	16.3×	+22.90% (above 0%: growing)	+15.15% (above 0%: growing)	+3,151.19% (above 0%: growing)	68.86%	0.00%	Compare
RMBI Richmond Mutual Bancorporation, Inc.	$256.9M	12.4×	16.7×	+4.69% (above 0%: growing)	−14.81% (below 0%: shrinking)	−35.05% (below 0%: shrinking)	58.15%	0.00%	Compare
BCBP BCB Bancorp, Inc. (NJ)	$255.6M	— (loss-making)	10.2×	−11.64% (below 0%: shrinking)	n/m	−8.23% (below 0%: shrinking)	57.20%	0.00%	Compare
EFSI Eagle Financial Services Inc.	$247.6M	13.2×	12.4×	+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.	$241.2M	11.8×	11.8×	+0.90% (above 0%: growing)	+1.03% (above 0%: growing)	+10.02% (above 0%: growing)	80.61%	0.00%
CMTV Community Bancorp.	$234.3M	12.6×	—	+8.55% (above 0%: growing)	+16.67% (above 0%: growing)	+17.48% (above 0%: growing)	73.88%	0.00%	Compare
INBK First Internet Bancorp	$226.6M	— (loss-making)	11.4×	−1.30% (below 0%: shrinking)	+1,250.00% (above 0%: growing)	+126.71% (above 0%: growing)	48.20%	0.00%	Compare
OPBK OP Bancorp	$221.8M	7.6×	7.5×	+5.31% (above 0%: growing)	+28.57% (above 0%: growing)	+3.10% (above 0%: growing)	58.66%	0.00%	Compare
Median of peers	$251.6M	12.5×	11.4×	+6.93%	+16.67%	+10.29%	63.76%	0.00%

All 323 Banks Regional stocks →

Peoples Bancorp of North Carolina, Inc. (PEBK) key facts

Strength: 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.
Strength: Net income was $19.8 million, or $3.74 per share (basic), a net margin of 17.3%.
Peoples Bancorp of North Carolina, Inc. (PEBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, PEBK traded at $44.32, a market capitalization of $241.2 million.
At that price the stock trades at 11.8× trailing-twelve-month earnings and 2.0× sales; its P/E is higher than 69% of its own readings over the past ten years.
Peoples Bancorp of North Carolina, Inc. pays an annual dividend of $0.83 per share, a yield of 1.87%, with a payout ratio of 22.8%.
Return on equity was 13.8% and debt-to-equity 0.10.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.