Peoples Bancorp of North Carol (PEBK) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PEBK SEC filings page.
Peoples Bancorp of North Carol (PEBK) reported $91.9M in revenue over the twelve months to Jun 30, 2026, up 9.1% 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).
Earnings improved in FY2025, but this remains a highly financed balance-sheet business where modest asset returns matter more than revenue margins.
From FY2024 to FY2025, net income increased21.3% while operating cash flow increased only4.0% , so higher accounting earnings translated into cash less fully. Reported debt-to-equity fell from 11.7x to 9.8x as equity rebuilt faster than assets, indicating an improved financing mix even while the balance sheet expanded.
Revenue expanded
The 2025 net margin was
Financial Health Signals
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 Peoples Bancorp of North Carol'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.
Peoples Bancorp of North Carol earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.0% the prior year. Earnings ranks banks on that return over three years, and Peoples Bancorp of North Carol scores 65/100 among other banks.
Peoples Bancorp of North Carol reported revenue of $90.0M in fiscal year 2025, against $81.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Peoples Bancorp of North Carol scores 50/100 among other banks.
Peoples Bancorp of North Carol funded 9.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $157.1M of equity against $1.7B of assets. Capital ranks banks on that cushion, and Peoples Bancorp of North Carol scores 21/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Peoples Bancorp of North Carol scores 26/100 on it among other banks.
Not available for Peoples Bancorp of North Carol, and counted as zero in the overall score.
Peoples Bancorp of North Carol reported net income of $19.8M in fiscal year 2025, against $16.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Peoples Bancorp of North Carol scores 87/100 among other banks.
Peoples Bancorp of North Carol 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.
For every $1 of reported earnings, Peoples Bancorp of North Carol 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
Peoples Bancorp of North Carol generated $23.1M in revenue in Q2 2026. This represents an increase of 3.7% from the same quarter a year earlier. Against the prior quarter it is up 7.1%.
Peoples Bancorp of North Carol reported $5.2M in net income in Q2 2026. This represents an increase of 1.4% from the same quarter a year earlier. Against the prior quarter it is up 19.0%.
Peoples Bancorp of North Carol earned $0.96 per diluted share (EPS) in Q2 2026. This represents an increase of 1.1% from the same quarter a year earlier. Against the prior quarter it is up 20.0%.
Not reported for Q2 2026.
Cash & Balance Sheet
Peoples Bancorp of North Carol generated $6.0M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 12.5% from the same quarter a year earlier. Against the prior quarter it is up 31.9%.
Peoples Bancorp of North Carol held $60.9M in cash as of Q2 2026; long-term debt is not reported for that period.
Peoples Bancorp of North Carol paid $0.21 per share in dividends in Q2 2026. This represents an increase of 5.0% from the same quarter a year earlier. Against the prior quarter it is down 44.7%.
Margins & Returns
Peoples Bancorp of North Carol's net profit margin was 22.7% in Q2 2026, showing the share of revenue converted to profit. This is down 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.3 percentage points.
Peoples Bancorp of North Carol's ROE was 3.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Peoples Bancorp of North Carol invested $397K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 289.2% from the same quarter a year earlier. Against the prior quarter it is down 11.4%.
Not reported for Q2 2026.
Not reported for Q2 2026.
PEBK Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $23.1M+3.7% | $21.6M+5.4% | $25.0M+19.7% | $22.2M+7.8% | $22.3M+6.5% | $20.5M+5.8% | $20.9M+7.6% | $20.6M+2.6% |
| SG&A Expenses | $16.1M+124.4% | $15.4M+126.4% | $42.2M+440.5% | $7.1M+7.5% | $7.2M+5.0% | $6.8M-2.8% | $7.8M-46.5% | $6.6M-1.8% |
| Interest Expense | $5.6M-9.2% | $5.8M-4.2% | $6.2M-6.2% | $6.3M-9.1% | $6.1M-8.0% | $6.0M-7.4% | $6.6M-50.4% | $6.9M+39.3% |
| Income Tax | $1.5M-0.5% | $1.3M-2.9% | $2.1M+106.8% | $1.1M-19.9% | $1.5M+8.4% | $1.3M+63.5% | $1.0M+4.7% | $1.4M+17.4% |
| Net Income | $5.2M+1.4% | $4.4M+1.2% | $6.6M+86.4% | $3.7M-6.7% | $5.2M+5.6% | $4.3M+10.1% | $3.6M+3.5% | $4.0M-4.1% |
| EPS (Basic) | $0.98+1.0% | $0.83+1.2% | $1.25+86.6% | $0.70-5.4% | $0.97+4.3% | $0.82+10.8% | $0.67+4.7% | $0.74-2.6% |
| EPS (Diluted) | $0.96+1.1% | $0.80+1.3% | $1.21+86.2% | $0.67-6.9% | $0.95+6.7% | $0.79+9.7% | $0.65+4.8% | $0.72-2.7% |
| Diluted Shares (Avg) | 5M+0.1% | 5M0.0% | N/A | 5M-0.2% | 5M-0.1% | 5M-99.9% | N/A | 5M-1.9% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
PEBK Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.8B+4.2% | $1.7B+2.5% | $1.7B+3.0% | $1.7B+4.6% | $1.7B+2.3% | $1.7B+1.4% | $1.7B+1.0% | $1.7B+3.4% |
| Cash & Equivalents | $60.9M-40.3% | $61.3M-40.2% | $58.1M-2.0% | $117.0M+59.9% | $102.0M+23.1% | $102.5M+4.5% | $59.3M-28.1% | $73.2M-4.5% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $1.6B+3.5% | $1.6B+1.4% | $1.5B+1.6% | $1.6B+4.2% | $1.5B+1.2% | $1.6B+0.4% | $1.5B+0.4% | $1.5B+1.7% |
| Total Equity | $161.3M+12.0% | $158.1M+14.2% | $157.1M+20.3% | $149.5M+9.7% | $144.0M+15.8% | $138.5M+14.4% | $130.6M+7.9% | $136.3M+26.9% |
| Retained Earnings | $142.1M+11.4% | $138.0M+11.8% | $135.6M+12.0% | $130.1M+9.8% | $127.5M+10.3% | $123.4M+10.4% | $121.1M+10.3% | $118.5M+10.4% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $6.4M+17.7% | $5.0M-15.1% | $5.3M-0.8% | $4.7M-4.3% | $5.5M-17.8% | $5.9M+61.5% | $5.3M-6.7% | $4.9M+17.0% |
| Depreciation & Amortization | $643K-8.8% | $653K-3.7% | $621K-12.0% | $735K-2.6% | $705K-7.0% | $678K+1.0% | $706K-0.6% | $755K+8.5% |
| Capital Expenditures | $397K+289.2% | $448K-41.3% | $234K+46.3% | $314K+48.1% | $102K+17.2% | $763K+496.1% | $160K-62.4% | $212K-62.7% |
| Free Cash Flow | $6.0M+12.5% | $4.6M-11.3% | $5.1M-2.2% | $4.4M-6.7% | $5.4M-18.3% | $5.2M+45.7% | $5.2M-2.2% | $4.7M+29.5% |
| Investing Cash Flow | -$32.4M-2725.0% | -$31.2M-586.9% | -$19.4M-34.1% | -$27.6M-283.5% | -$1.1M+71.9% | $6.4M+138.1% | -$14.5M-7.0% | -$7.2M+54.4% |
| Financing Cash Flow | $25.6M+628.4% | $29.3M-5.1% | -$44.8M-845.5% | $38.0M+615.9% | -$4.8M+72.9% | $30.9M+7.0% | -$4.7M-134.8% | -$7.4M-818.0% |
| Dividends Paid | $1.1M+4.9% | $2.1M+5.4% | $1.1M+5.2% | $1.1M+5.2% | $1.1M+5.1% | $2.0M+2.0% | $1.0M-1.6% | $1.0M-1.8% |
| Share Buybacks | N/A | N/A | $0 | $0 | $0 | $0-100.0% | $0-100.0% | $0-100.0% |
Not reported in any period shown, so not listed: Stock-Based Compensation.
PEBK Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 22.7%-0.5pp | 20.4%-0.8pp | 26.5%+9.5pp | 16.6%-2.6pp | 23.2%-0.2pp | 21.2%+0.8pp | 17.1%-0.7pp | 19.2%-1.3pp |
| Return on Equity | 3.2%-0.3pp | 2.8%-0.4pp | 4.2%+1.5pp | 2.5%-0.4pp | 3.6%-0.4pp | 3.1%-0.1pp | 2.7%-0.1pp | 2.9%-0.9pp |
| Return on Assets | 0.3%0.0pp | 0.3%0.0pp | 0.4%+0.2pp | 0.2%0.0pp | 0.3%0.0pp | 0.3%0.0pp | 0.2%0.0pp | 0.2%0.0pp |
| Debt-to-Equity | 9.94-0.8x | 9.97-1.3x | 9.83-1.8x | 10.63-0.6x | 10.76-1.6x | 11.22-1.6x | 11.65-0.9x | 11.19-2.8x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 26.1%+2.0pp | 21.2%-4.0pp | 20.2%-4.6pp | 19.7%-3.0pp | 24.1%-7.3pp | 25.2%+6.9pp | 24.8%-2.5pp | 22.7%+4.7pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Peoples Bancorp of North Carol PEBK | FY2025 | $90.0M | $19.8M | 22.0% | $235.8M | 42/100 |
| BV Financial, Inc. BVFL | FY2025 | $39.6M | $13.5M | 34.1% | $183.8M | 66/100 |
| Citizens Community Bancorp, Inc. CZWI | FY2025 | $62.3M | $14.4M | 23.1% | $204.9M | 44/100 |
| Meridian Corporation MRBK | FY2025 | $126.9M | $21.8M | 17.2% | $221.6M | 33/100 |
| United Security Bancshares UBFO | FY2025 | $53.9M | $12.3M | 22.8% | $185.0M | 48/100 |
| Hanover Bancorp, Inc. HNVR | FY2025 | $73.3M | $7.5M | 10.2% | $173.1M | 29/100 |
Where Peoples Bancorp of North Carol Ranks
Frequently Asked Questions
What is Peoples Bancorp of North Carol's annual revenue?
Peoples Bancorp of North Carol (PEBK) reported $90.0M in total revenue for fiscal year 2025. This represents a 10.0% 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 Peoples Bancorp of North Carol's revenue growing?
Peoples Bancorp of North Carol (PEBK) revenue grew by 10.0% year-over-year, from $81.8M to $90.0M in fiscal year 2025.
Is Peoples Bancorp of North Carol profitable?
Yes, Peoples Bancorp of North Carol (PEBK) reported a net income of $19.8M in fiscal year 2025, with a net profit margin of 22.0%.
What is Peoples Bancorp of North Carol's net profit margin?
Peoples Bancorp of North Carol (PEBK) had a net profit margin of 22.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Peoples Bancorp of North Carol pay dividends?
Yes, Peoples Bancorp of North Carol (PEBK) paid $0.96 per share in dividends during fiscal year 2025.
What is Peoples Bancorp of North Carol's return on equity (ROE)?
Peoples Bancorp of North Carol (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 Peoples Bancorp of North Carol's free cash flow?
Peoples Bancorp of North Carol (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 Peoples Bancorp of North Carol's operating cash flow?
Peoples Bancorp of North Carol (PEBK) generated $21.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Peoples Bancorp of North Carol's total assets?
Peoples Bancorp of North Carol (PEBK) had $1.7B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Peoples Bancorp of North Carol's capital expenditures?
Peoples Bancorp of North Carol (PEBK) invested $1.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Peoples Bancorp of North Carol's debt-to-equity ratio?
Peoples Bancorp of North Carol (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 Peoples Bancorp of North Carol's return on assets (ROA)?
Peoples Bancorp of North Carol (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 Peoples Bancorp of North Carol's P/E ratio?
Peoples Bancorp of North Carol (PEBK) trades at 11.8x earnings, its market capitalization divided by net income of $20.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $235.8M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Peoples Bancorp of North Carol's price-to-sales ratio?
Peoples Bancorp of North Carol (PEBK) trades at 2.6x sales, its market capitalization divided by revenue of $91.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $235.8M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Peoples Bancorp of North Carol's Piotroski F-Score?
Peoples Bancorp of North Carol (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 Peoples Bancorp of North Carol's earnings high quality?
Peoples Bancorp of North Carol (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 Peoples Bancorp of North Carol?
Peoples Bancorp of North Carol (PEBK) scores 42 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.