Peoples Bancorp of North Carolina Inc (PEBK) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Peoples Bancorp of North Carolina reported revenue of $90.0M, up 10.0% from $81.8M the year before. Net income was $19.8M (a 22.0% net margin), or $3.62 per diluted share. Net interest income was $59.0M, and the efficiency ratio (noninterest expense / revenue) was 70.2%. Operating activities generated $21.4M of cash, leaving $20.0M of free cash flow. At fiscal year end, Peoples Bancorp of North Carolina held $1.70B in total assets against $1.55B in total liabilities, including $58.1M of cash and equivalents.
Open the full interactive Peoples Bancorp of North Carolina financials → Quarterly statements, key ratios, valuation history and price charts.
Peoples Bancorp of North Carolina Key Stats
| Share Price | $44.62 |
|---|---|
| Market Cap | $244.3M |
| P/E Ratio | 12.3 |
| Revenue YoY Growth | +10.0% |
| 52-Week Range | $27.47 – $45.04 |
| Shares Outstanding | 5.3 million (basic, 2026 Q2) |
Peoples Bancorp of North Carolina Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $44.1M | $44.0M | $51.1M | $54.7M | $54.1M | $59.0M |
| Provision for Credit Losses | $4.3M | -$1.2M | $1.5M | $1.6M | -$285,000 | $938,000 |
| Noninterest Income | $22.9M | $24.9M | $26.7M | $22.9M | $27.7M | $31.0M |
| Noninterest Expense | $48.9M | $51.1M | $8.3M | $56.1M | $61.1M | $63.2M |
| Revenue | $67.0M | $68.9M | $77.8M | $77.6M | $81.8M | $90.0M |
| Pre-Tax Income | $13.8M | $18.9M | $20.3M | $19.9M | $20.9M | $25.9M |
| Income Tax | $2.5M | $3.8M | $4.2M | $4.4M | $4.6M | $6.0M |
| Net Income | $11.4M | $15.1M | $16.1M | $15.5M | $16.4M | $19.8M |
| Diluted EPS | $1.95 | $2.63 | $2.85 | $2.77 | $2.98 | $3.62 |
Peoples Bancorp of North Carolina Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $22.2M | $25.0M | $21.6M | $23.1M |
| Net Income | $3.7M | $6.6M | $4.4M | $5.2M |
| Diluted EPS | $0.67 | $1.21 | $0.80 | $0.96 |
Peoples Bancorp of North Carolina Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $161.6M | $277.5M | $71.6M | — | $59.3M | $58.1M |
| Loans (Net) | $938.7M | $875.5M | $1.02B | $250,000 | — | — |
| Total Assets | $1.41B | $1.62B | $1.62B | $1.64B | $1.65B | $1.70B |
| Deposits | $1.22B | $1.41B | $1.44B | $1.39B | $1.48B | $1.51B |
| Total Long-Term Debt | $15.5M | $15.5M | $15.5M | $1.08B | $1.13B | $1.19B |
| Total Liabilities | $1.27B | $1.48B | $1.52B | $1.51B | $1.52B | $1.55B |
| Shareholders' Equity | $139.9M | $142.4M | $105.2M | $121.0M | $130.6M | $157.1M |
Peoples Bancorp of North Carolina Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $9.2M | $26.9M | $22.7M | $22.8M | $20.6M | $21.4M |
| Cash From Investing | -$149.0M | -$106.1M | -$256.0M | -$753,000 | -$42.6M | -$41.8M |
| Cash From Financing | $249.0M | $195.2M | $27.4M | -$11.2M | -$1.0M | $19.3M |
| Free Cash Flow | $6.7M | $26.4M | $18.1M | $20.8M | $20.0M | $20.0M |
Figures from Peoples Bancorp of North Carolina's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Peoples Bancorp of North Carolina financials page for every line item.
Peoples Bancorp of North Carolina Company Profile
| Ticker | PEBK |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Newton, North Carolina |
| Incorporated in | North Carolina |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0001093672 |
Frequently Asked Questions
What was Peoples Bancorp of North Carolina's revenue in fiscal 2025?
Peoples Bancorp of North Carolina (PEBK) reported revenue of $90.0M for fiscal 2025.
What is Peoples Bancorp of North Carolina's annual revenue history?
Peoples Bancorp of North Carolina's annual revenue by fiscal year: 2020: $67.0M; 2021: $68.9M; 2022: $77.8M; 2023: $77.6M; 2024: $81.8M; 2025: $90.0M.
What was Peoples Bancorp of North Carolina's net income in fiscal 2025?
Peoples Bancorp of North Carolina reported net income of $19.8M for fiscal 2025.
What was Peoples Bancorp of North Carolina's earnings per share (EPS) in fiscal 2025?
Peoples Bancorp of North Carolina's diluted EPS was $3.62 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Peoples Bancorp of North Carolina generate in fiscal 2025?
Peoples Bancorp of North Carolina generated $20.0M of free cash flow in fiscal 2025.
What was Peoples Bancorp of North Carolina's revenue last quarter?
In its most recent reported quarter (2026 Q2), Peoples Bancorp of North Carolina reported revenue of $23.1M.
How much debt does Peoples Bancorp of North Carolina have?
Peoples Bancorp of North Carolina reported $1.19B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Peoples Bancorp of North Carolina are outstanding?
Peoples Bancorp of North Carolina reported a weighted average of 5.3 million basic shares outstanding in 2026 Q2.
What is Peoples Bancorp of North Carolina's market cap?
Based on its latest closing price, Peoples Bancorp of North Carolina (PEBK) has a market capitalization of about $244.3M.
When does Peoples Bancorp of North Carolina's fiscal year end?
Peoples Bancorp of North Carolina's fiscal year end, as registered with the SEC, is December 31.
Where is Peoples Bancorp of North Carolina headquartered?
Peoples Bancorp of North Carolina lists its business address in Newton, North Carolina in its SEC filings.