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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. 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%
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%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

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

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stockrow.com/PEBK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com