What is People Bncp Nc's earnings per share (EPS)?

People Bncp Nc (PEBK) reported diluted earnings per share of $3.62 for fiscal year 2025. This represents a 21.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

People Bncp Nc Financials

PEBK

Trailing 12 months to June 30, 2026

Revenue $85.3M +4.6% YoY

Net Income $20.0M +17.2% YoY

EPS (Diluted) $3.64 +17.0% YoY

Free Cash Flow $20.1M -1.7% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 4, 2026 Currency USD FYE December

People Bncp Nc (PEBK) reported $85.3M in revenue over the twelve months to Jun 30, 2026, up 4.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI PEBK FY2025 2026-08-29

Peoples Bancorp’s dominant mechanic is liability-funded banking with a growing equity cushion, while cash generation remains close to reported earnings.

Between FY2023 and FY2025, net income rose from $15.5M to $19.8M while operating cash flow moved from $22.8M to $21.4M, indicating that recent earnings improvement has not expanded operating cash generation. Yet FY2025 free cash flow stayed near operating cash flow at $20.0M versus $21.4M, so the cash gap is not being created by heavy capital spending; this is an earnings-to-cash conversion pattern rather than a reinvestment problem.

Equity increased from $121.0M in FY2023 to $157.1M in FY2025, giving the balance sheet a larger internal funding base. Debt-to-equity fell from 12.5x to 9.8x over the same span, indicating that asset growth is being supported by a larger equity cushion rather than only additional liabilities.

With assets exceeding revenue by more than 20x, return on assets is the cleaner efficiency lens for this balance-sheet-heavy business. ROA improved from 1.0% in FY2024 to 1.2% in FY2025, while net margin recovered from 20.3% to 23.7%, pointing to broader earnings improvement across both asset efficiency and revenue conversion.

Financial Health Signals

Financial Health Score 41/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of People Bncp Nc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Not available for People Bncp Nc, and counted as zero in the overall score.

Stability

Piotroski F-Score Partial

5/6

People Bncp Nc passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.08x

For every $1 of reported earnings, People Bncp Nc generates $1.08 in operating cash flow ($21.4M OCF vs $19.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$83.6M

YoY+3.6%

5Y CAGR+11.8%

10Y CAGR+8.0%

People Bncp Nc generated $83.6M in revenue in fiscal year 2025. This represents an increase of 3.6% from the prior year.

Net Income

$19.8M

YoY+21.3%

5Y CAGR+11.8%

10Y CAGR+7.5%

People Bncp Nc reported $19.8M in net income in fiscal year 2025. This represents an increase of 21.3% from the prior year.

EPS (Diluted)

$3.62

YoY+21.5%

5Y CAGR+13.2%

10Y CAGR+8.8%

People Bncp Nc earned $3.62 per diluted share (EPS) in fiscal year 2025. This represents an increase of 21.5% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$20.0M

YoY-0.1%

5Y CAGR+24.5%

10Y CAGR+5.7%

People Bncp Nc generated $20.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 0.1% from the prior year.

Cash & Debt

$58.1M

YoY-2.0%

5Y CAGR-18.5%

10Y CAGR+3.9%

People Bncp Nc held $58.1M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.96

YoY+4.3%

5Y CAGR+5.1%

10Y CAGR+14.4%

People Bncp Nc paid $0.96 per share in dividends in fiscal year 2025. This represents an increase of 4.3% from the prior year.

Shares Outstanding

YoY+0.1%

5Y CAGR-1.2%

10Y CAGR-0.1%

People Bncp Nc had 5M shares outstanding in fiscal year 2025. This represents an increase of 0.1% from the prior year.

Margins & Returns

Net Margin

23.7%

YoY+3.5pp

5Y CAGR0.0pp

10Y CAGR-1.2pp

People Bncp Nc's net profit margin was 23.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.5 percentage points from the prior year.

Return on Equity

12.6%

YoY+0.1pp

5Y CAGR+4.5pp

10Y CAGR+3.4pp

People Bncp Nc's ROE was 12.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.1 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

YoY-100.0%

People Bncp Nc repurchased no shares in fiscal year 2025. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$1.4M

YoY+140.7%

5Y CAGR-10.7%

10Y CAGR-5.0%

People Bncp Nc invested $1.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 140.7% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

PEBK Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

PEBK quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$85.3M	$83.6M+3.6%	$80.7M+12.3%	$71.9M+32.0%	$54.4M+15.4%	$47.2M-1.6%	$48.0M-3.3%	$49.6M+9.4%	$45.4M+8.1%	$41.9M+5.4%	$39.8M+3.0%	$38.7M+0.6%	$38.4M+4.7%	$36.7M-6.5%	$39.2M-13.3%	$45.3M
SG&A Expenses	$80.7M	$63.2M+124.1%	$28.2M+5.9%	$26.6M+2.0%	$26.1M+6.6%	$24.5M+4.1%	$23.5M+1.3%	$23.2M+7.9%	$21.5M+7.3%	$20.1M+4.1%	$19.3M+5.4%	$18.3M+4.3%	$17.5M+4.0%	$16.9M+2.6%	$16.4M+11.2%	$14.8M
Interest Expense	$23.8M	$24.6M-7.7%	$26.7M+55.5%	$17.1M+415.9%	$3.3M+3.7%	$3.2M-16.4%	$3.8M+2.1%	$3.8M+75.1%	$2.1M-9.7%	$2.4M-27.3%	$3.3M-6.1%	$3.5M-18.7%	$4.3M-19.9%	$5.4M-30.4%	$7.7M-29.7%	$10.9M
Income Tax	$6.0M	$6.0M+31.6%	$4.6M+4.5%	$4.4M+4.9%	$4.2M+9.9%	$3.8M+52.5%	$2.5M-20.6%	$3.1M+19.5%	$2.6M-33.5%	$3.9M+54.1%	$2.6M-17.4%	$3.1M+60.0%	$1.9M+3.1%	$1.9M+18.4%	$1.6M+8.5%	$1.5M
Net Income	$20.0M	$19.8M+21.3%	$16.4M+5.2%	$15.5M-3.6%	$16.1M+6.5%	$15.1M+33.2%	$11.4M-19.3%	$14.1M+5.1%	$13.4M+30.3%	$10.3M+11.9%	$9.2M-4.7%	$9.6M+2.6%	$9.4M+40.3%	$6.7M+15.5%	$5.8M+12.3%	$5.2M
EPS (Diluted)	$3.64	$3.62+21.5%	$2.98+7.6%	$2.77-2.8%	$2.85+8.4%	$2.63+34.9%	$1.95-17.4%	$2.36+6.3%	$2.22+31.4%	$1.69+12.7%	$1.50-3.8%	$1.56-6.0%	$1.66+55.1%	$1.07+24.4%	$0.86+26.5%	$0.68

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$21.5M+3.1%	$20.9M-3.0%	$21.5M+0.6%	$21.4M+3.3%	$20.7M+3.8%	$20.0M-2.0%	$20.4M-0.4%	$20.5M
SG&A Expenses	$16.1M+4.7%	$15.4M-63.6%	$42.2M+494.3%	$7.1M-1.0%	$7.2M+5.6%	$6.8M-13.0%	$7.8M+18.1%	$6.6M
Interest Expense	$5.6M-3.7%	$5.8M-6.4%	$6.2M-1.9%	$6.3M+2.7%	$6.1M+1.6%	$6.0M-8.4%	$6.6M-4.9%	$6.9M
Income Tax	$1.5M+19.7%	$1.3M-41.3%	$2.1M+93.6%	$1.1M-26.8%	$1.5M+16.8%	$1.3M+25.0%	$1.0M-25.0%	$1.4M
Net Income	$5.2M+19.0%	$4.4M-33.7%	$6.6M+79.7%	$3.7M-28.4%	$5.2M+18.8%	$4.3M+22.1%	$3.6M-10.1%	$4.0M
EPS (Diluted)	$0.96+20.0%	$0.80-33.9%	$1.21+80.6%	$0.67-29.5%	$0.95+20.3%	$0.79+21.5%	$0.65-9.7%	$0.72

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

PEBK Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

PEBK quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$1.7B+3.0%	$1.7B+1.0%	$1.6B+0.9%	$1.6B-0.2%	$1.6B+14.7%	$1.4B+22.6%	$1.2B+5.6%	$1.1B+0.1%	$1.1B+0.4%	$1.1B+4.8%	$1.0B-0.2%	$1.0B+0.6%	$1.0B+2.1%	$1.0B-5.0%	$1.1B
Cash & Equivalents	$58.1M-2.0%	$59.3M-28.1%	$82.4M+15.1%	$71.6M-74.2%	$277.5M+71.7%	$161.6M+208.4%	$52.4M+20.8%	$43.4M-24.3%	$57.3M-18.2%	$70.1M+76.3%	$39.8M-42.5%	$69.1M-10.0%	$76.8M+57.2%	$48.8M+67.1%	$29.2M
Total Liabilities	$1.5B+1.6%	$1.5B+0.4%	$1.5B-0.1%	$1.5B+2.3%	$1.5B+16.1%	$1.3B+25.0%	$1.0B+5.3%	$969.6M-0.7%	$976.2M-0.4%	$980.6M+5.0%	$933.6M-0.9%	$941.8M-1.0%	$951.0M+3.8%	$915.8M-5.0%	$964.0M
Total Equity	$157.1M+20.3%	$130.6M+7.9%	$121.0M+15.0%	$105.2M-26.1%	$142.4M+1.8%	$139.9M+4.3%	$134.1M+8.5%	$123.6M+6.6%	$116.0M+8.0%	$107.4M+2.4%	$104.9M+6.3%	$98.7M+17.9%	$83.7M-14.4%	$97.7M-5.1%	$103.0M
Retained Earnings	$135.6M+12.0%	$121.1M+10.3%	$109.8M+9.6%	$100.2M+12.6%	$89.0M+14.6%	$77.6M+9.9%	$70.7M+16.7%	$60.5M+20.4%	$50.3M-16.5%	$60.3M+13.3%	$53.2M+17.9%	$45.1M+22.8%	$36.8M+16.8%	$31.5M+17.0%	$26.9M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.8B+1.8%	$1.7B+1.9%	$1.7B-2.1%	$1.7B+2.6%	$1.7B+0.1%	$1.7B+2.5%	$1.7B-0.6%	$1.7B
Cash & Equivalents	$60.9M-0.6%	$61.3M+5.4%	$58.1M-50.3%	$117.0M+14.7%	$102.0M-0.5%	$102.5M+73.0%	$59.3M-19.0%	$73.2M
Total Liabilities	$1.6B+1.7%	$1.6B+2.0%	$1.5B-2.8%	$1.6B+2.5%	$1.5B-0.3%	$1.6B+2.2%	$1.5B-0.3%	$1.5B
Total Equity	$161.3M+2.0%	$158.1M+0.6%	$157.1M+5.1%	$149.5M+3.8%	$144.0M+4.0%	$138.5M+6.1%	$130.6M-4.2%	$136.3M
Retained Earnings	$142.1M+3.0%	$138.0M+1.7%	$135.6M+4.3%	$130.1M+2.0%	$127.5M+3.3%	$123.4M+2.0%	$121.1M+2.1%	$118.5M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.

PEBK Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

PEBK quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$21.4M	$21.4M+4.0%	$20.6M-9.8%	$22.8M+0.7%	$22.6M-15.9%	$26.9M+193.6%	$9.2M-30.6%	$13.2M-23.2%	$17.2M-7.6%	$18.6M+51.9%	$12.2M-11.7%	$13.9M+623.2%	$1.9M-92.3%	$24.9M+31.0%	$19.0M-14.9%	$22.4M
Capital Expenditures	$1.4M	$1.4M+140.7%	$587K-69.9%	$1.9M-57.3%	$4.6M+842.8%	$484K-80.6%	$2.5M-12.1%	$2.8M+62.7%	$1.7M-68.7%	$5.6M+245.2%	$1.6M-31.6%	$2.4M-24.6%	$3.1M+28.2%	$2.4M+165.4%	$917K-42.7%	$1.6M
Free Cash Flow	$20.1M	$20.0M-0.1%	$20.0M-4.1%	$20.8M+15.4%	$18.1M-31.7%	$26.4M+296.0%	$6.7M-35.6%	$10.4M-32.9%	$15.4M+18.5%	$13.0M+22.7%	$10.6M-7.6%	$11.5M+1056.7%	-$1.2M-105.3%	$22.5M+24.2%	$18.1M-12.7%	$20.8M
Investing Cash Flow	-$110.7M	-$41.8M+1.9%	-$42.6M-5560.6%	-$753K+99.7%	-$256.0M-141.2%	-$106.1M+28.8%	-$149.0M-209.2%	-$48.2M-159.2%	-$18.6M+22.9%	-$24.1M-2.1%	-$23.6M+21.6%	-$30.1M-153.2%	-$11.9M+38.1%	-$19.2M-129.7%	$64.8M+939.4%	-$7.7M
Financing Cash Flow	$48.1M	$19.3M+1950.1%	-$1.0M+90.7%	-$11.2M-141.0%	$27.5M-85.9%	$195.2M-21.6%	$249.0M+465.9%	$44.0M+451.1%	-$12.5M-72.2%	-$7.3M-117.4%	$41.7M+419.1%	-$13.1M-666.9%	$2.3M-89.6%	$22.2M+134.6%	-$64.2M-585.1%	-$9.4M
Dividends Paid	$5.4M	$5.2M+4.0%	$5.0M-1.2%	$5.1M+3.5%	$4.9M+30.1%	$3.8M-13.6%	$4.4M+11.5%	$3.9M+25.7%	$3.1M+19.2%	$2.6M+24.8%	$2.1M+33.8%	$1.6M+54.0%	$1.0M+51.0%	$677K-32.5%	$1.0M+126.4%	$443K
Share Buybacks	N/A	$0-100.0%	$2.0M+0.1%	$2.0M+181.3%	$710K-80.3%	$3.6M+20.2%	$3.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$6.4M+28.0%	$5.0M-5.0%	$5.3M+12.9%	$4.7M-14.3%	$5.5M-7.7%	$5.9M+11.1%	$5.3M+8.9%	$4.9M
Capital Expenditures	$397K-11.4%	$448K+91.5%	$234K-25.5%	$314K+207.8%	$102K-86.6%	$763K+376.9%	$160K-24.5%	$212K
Free Cash Flow	$6.0M+31.9%	$4.6M-9.4%	$5.1M+15.6%	$4.4M-18.5%	$5.4M+4.0%	$5.2M-0.2%	$5.2M+10.4%	$4.7M
Investing Cash Flow	-$32.4M-3.8%	-$31.2M-60.5%	-$19.4M+29.7%	-$27.6M-2310.6%	-$1.1M-117.9%	$6.4M+144.2%	-$14.5M-101.1%	-$7.2M
Financing Cash Flow	$25.6M-12.8%	$29.3M+165.5%	-$44.8M-217.9%	$38.0M+884.2%	-$4.8M-115.7%	$30.9M+753.1%	-$4.7M+35.7%	-$7.4M
Dividends Paid	$1.1M-44.7%	$2.1M+89.8%	$1.1M0.0%	$1.1M0.0%	$1.1M-44.5%	$2.0M+89.4%	$1.0M0.0%	$1.0M
Share Buybacks	N/A	N/A	$0	$0	$0	$0	$0	$0

PEBK Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

PEBK quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	23.7%+3.5pp	20.3%-1.4pp	21.6%-8.0pp	29.6%-2.5pp	32.1%+8.4pp	23.7%-4.7pp	28.4%-1.1pp	29.5%+5.0pp	24.5%+1.4pp	23.1%-1.9pp	24.9%+0.5pp	24.4%+6.2pp	18.2%+3.5pp	14.8%+3.4pp	11.4%
Return on Equity	12.6%+0.1pp	12.5%-0.3pp	12.8%-2.5pp	15.3%+4.7pp	10.6%+2.5pp	8.1%-2.4pp	10.5%-0.3pp	10.8%+2.0pp	8.8%+0.3pp	8.5%-0.6pp	9.2%-0.3pp	9.5%+1.5pp	8.0%+2.1pp	5.9%+0.9pp	5.0%
Return on Assets	1.2%+0.2pp	1.0%0.0pp	0.9%0.0pp	1.0%+0.1pp	0.9%+0.1pp	0.8%-0.4pp	1.2%0.0pp	1.2%+0.3pp	0.9%+0.1pp	0.8%-0.1pp	0.9%0.0pp	0.9%+0.2pp	0.7%+0.1pp	0.6%+0.1pp	0.5%
Debt-to-Equity	9.83-1.8x	11.65-0.9x	12.52-1.9x	14.41+4.0x	10.41+1.3x	9.12+1.5x	7.61-0.2x	7.84-0.6x	8.42-0.7x	9.13+0.2x	8.90-0.6x	9.55-1.8x	11.36+2.0x	9.370.0x	9.36
FCF Margin	23.9%-0.9pp	24.7%-4.2pp	29.0%-4.2pp	33.2%-22.8pp	56.0%+42.1pp	13.9%-7.0pp	20.9%-13.2pp	34.1%+3.0pp	31.1%+4.4pp	26.7%-3.1pp	29.8%+32.9pp	-3.1%-64.4pp	61.3%+15.1pp	46.2%+0.3pp	45.9%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	24.3%+3.2pp	21.1%-9.7pp	30.8%+13.6pp	17.3%-7.7pp	24.9%+3.1pp	21.8%+4.3pp	17.5%-1.9pp	19.3%
Return on Equity	3.2%+0.5pp	2.8%-1.4pp	4.2%+1.8pp	2.5%-1.1pp	3.6%+0.4pp	3.1%+0.4pp	2.7%-0.2pp	2.9%
Return on Assets	0.3%+0.1pp	0.3%-0.1pp	0.4%+0.2pp	0.2%-0.1pp	0.3%0.0pp	0.3%0.0pp	0.2%0.0pp	0.2%
Debt-to-Equity	9.940.0x	9.97+0.1x	9.83-0.8x	10.63-0.1x	10.76-0.5x	11.22-0.4x	11.65+0.5x	11.19
FCF Margin	28.1%+6.1pp	21.9%-1.6pp	23.5%+3.1pp	20.4%-5.5pp	25.9%+0.1pp	25.8%+0.5pp	25.4%+2.5pp	22.9%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where People Bncp Nc Ranks

Frequently Asked Questions

What is People Bncp Nc's annual revenue?

People Bncp Nc (PEBK) reported $83.6M in total revenue for fiscal year 2025. This represents a 3.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is People Bncp Nc's revenue growing?

People Bncp Nc (PEBK) revenue grew by 3.6% year-over-year, from $80.7M to $83.6M in fiscal year 2025.

Is People Bncp Nc profitable?

Yes, People Bncp Nc (PEBK) reported a net income of $19.8M in fiscal year 2025, with a net profit margin of 23.7%.

What is People Bncp Nc's net profit margin?

People Bncp Nc (PEBK) had a net profit margin of 23.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does People Bncp Nc pay dividends?

Yes, People Bncp Nc (PEBK) paid $0.96 per share in dividends during fiscal year 2025.

What is People Bncp Nc's return on equity (ROE)?

People Bncp Nc (PEBK) has a return on equity of 12.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is People Bncp Nc's free cash flow?

People Bncp Nc (PEBK) generated $20.0M in free cash flow during fiscal year 2025. This represents a -0.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is People Bncp Nc's operating cash flow?

People Bncp Nc (PEBK) generated $21.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are People Bncp Nc's total assets?

People Bncp Nc (PEBK) had $1.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are People Bncp Nc's capital expenditures?

People Bncp Nc (PEBK) invested $1.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does People Bncp Nc have outstanding?

People Bncp Nc (PEBK) had 5M shares outstanding as of fiscal year 2025.

What is People Bncp Nc's debt-to-equity ratio?

People Bncp Nc (PEBK) had a debt-to-equity ratio of 9.83 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is People Bncp Nc's return on assets (ROA)?

People Bncp Nc (PEBK) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is People Bncp Nc's Piotroski F-Score?

People Bncp Nc (PEBK) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are People Bncp Nc's earnings high quality?

People Bncp Nc (PEBK) has an earnings quality ratio of 1.08x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is People Bncp Nc?

People Bncp Nc (PEBK) scores 41 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.