People Bncp Nc Financials
This page shows People Bncp Nc (PEBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).
Peoples Bancorp’s recent gains come from better balance-sheet efficiency and capital retention, not from expanding leverage.
From FY2023 to FY2025, return on assets improved from0.9% to1.2% , showing the company is earning more from a balance sheet that has not grown dramatically. Because debt-to-equity also fell to 9.8x over that span, the profit improvement looks more like stronger asset productivity than a simple increase in leverage.
Across the last three years, operating cash flow stayed close to reported earnings, which suggests earnings quality is fairly clean for a lender and not heavily dependent on non-cash accounting gains. With FY2025 capital spending only
From FY2024 to FY2025, equity grew
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.
People Bncp Nc's revenue grew a modest 3.6% year-over-year to $83.6M. This slow but positive growth earns a score of 46/100.
People Bncp Nc has elevated debt relative to equity (D/E of 9.83), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
People Bncp Nc converts 23.9% of revenue into free cash flow ($20.0M). This strong cash generation earns a score of 88/100.
People Bncp Nc's ROE of 12.6% shows moderate profitability relative to equity, earning a score of 39/100. This is up from 12.5% the prior year.
People Bncp Nc passes 5 of 9 financial strength tests. 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.
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
Earnings & Revenue
People Bncp Nc generated $83.6M in revenue in fiscal year 2025. This represents an increase of 3.6% from the prior year.
People Bncp Nc reported $19.8M in net income in fiscal year 2025. This represents an increase of 21.3% from the prior year.
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.
Cash & Balance Sheet
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.
People Bncp Nc held $58.1M in cash against $0 in long-term debt as of fiscal year 2025.
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.
People Bncp Nc had 5M shares outstanding in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Margins & Returns
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.
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.
Capital Allocation
People Bncp Nc spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.
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.
PEBK Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $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+2.0% | $20.1M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $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-3.3% | $6.8M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $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+4.0% | $6.7M |
| Income Tax | $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-0.9% | $1.4M |
| Net Income | $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-19.0% | $4.9M |
| EPS (Diluted) | $0.80 | N/A | $0.67-29.5% | $0.95+20.3% | $0.79 | N/A | $0.72-19.1% | $0.89 |
PEBK Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $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+0.4% | $1.7B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $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-11.7% | $82.8M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $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-0.4% | $1.5B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $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+9.6% | $124.3M |
| Retained Earnings | $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+2.5% | $115.6M |
PEBK Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $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-26.4% | $6.7M |
| Capital Expenditures | $448K+91.5% | $234K-25.5% | $314K+207.8% | $102K-86.6% | $763K+376.9% | $160K-24.5% | $212K+143.7% | $87K |
| Free Cash Flow | $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-28.7% | $6.6M |
| Investing Cash Flow | -$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-76.7% | -$4.1M |
| Financing Cash Flow | $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+58.7% | -$17.8M |
| Dividends Paid | $2.1M+89.8% | $1.1M0.0% | $1.1M0.0% | $1.1M-44.5% | $2.0M+89.4% | $1.0M0.0% | $1.0M-0.1% | $1.0M |
| Share Buybacks | N/A | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
PEBK Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 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%-5.0pp | 24.3% |
| Return on Equity | 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%-1.0pp | 3.9% |
| Return on Assets | 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%-0.1pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 9.97+0.1 | 9.83-0.8 | 10.63-0.1 | 10.76-0.5 | 11.22-0.4 | 11.65+0.5 | 11.19-1.1 | 12.32 |
| FCF Margin | 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%-9.8pp | 32.7% |
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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.
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 9, indicating neutral financial health. 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 29 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.