Peoples Bancorp Of North Carolina Inc
PEBK Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$43.48
KIRA · Stoqly’s AI analyst, in plain words
- Peoples Bancorp Of North Carolina Inc had $90.0M of revenue in fiscal 2025, up 10.0% on the year before. Over five years, revenue changed +6.1% a year on average.
- Peoples Bancorp Of North Carolina Inc made $19.8M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 10.3% a year.
- Peoples Bancorp Of North Carolina Inc returned $5.2M to shareholders in fiscal 2025, 26% of free cash flow. The diluted share count fell 0.2%.
- It earned 13.8% on shareholders’ money. Running costs took 70.2% of revenue (the efficiency ratio; lower is better).
Market cap
$238M
P/E
11.9x
Revenue
$90.0M
Net income
$19.8M
Return on equity
13.8%
Efficiency ratio
70.2%
Peoples Bancorp Of North Carolina Inc in 30 seconds · fiscal 2025
Are sales growing?
+10.0%
Yes. Sales grew 10.0% last year.
Does it make a profit?
22.0%
Yes. It keeps 22.0% of every sale as profit.
How lean are its costs?
70.2%
Costly. Running costs take 70.2% of revenue.
How much does it earn on its capital?
13.8%
Good. It earns 13.8% a year on shareholders’ money.
How is the share priced?
11.9x
One share costs 11.9 times its yearly profit per share.
What Peoples Bancorp Of North Carolina Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 11, 2026
- Legal name
- PEOPLES BANCORP OF NORTH CAROLINA INC
- CIK
- 0001093672
Peoples Bancorp Of North Carolina Inc · PEBK
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $68.9M | $76.3M | $76.1M | $81.8M | $90.0M |
| Revenue growth | 2.8% | 10.8% | −0.3% | 7.5% | 10.0% |
| Net interest income | $44.0M | $49.6M | $53.2M | $54.1M | $59.0M |
| Net income | $15.1M | $16.1M | $15.5M | $16.4M | $19.8M |
| Net margin | 22.0% | 21.1% | 20.4% | 20.0% | 22.0% |
| Diluted EPS | $2.63 | $2.85 | $2.77 | $2.98 | $3.62 |
| Cash | |||||
| Cash from operations | $26.9M | $22.6M | $22.8M | $20.6M | $21.4M |
| Capital expenditure | $0.5M | $4.6M | $1.9M | $0.6M | $1.4M |
| Free cash flow | $26.4M | $18.1M | $20.8M | $20.0M | $20.0M |
| FCF margin | 38.3% | 23.7% | 27.4% | 24.4% | 22.2% |
| Dividends paid | $3.8M | $4.9M | $5.1M | $5.0M | $5.2M |
| Share buybacks | $3.6M | $0.7M | $2.0M | $2.0M | $0.0M |
| Share count change | −1.2% | −1.5% | −0.9% | −2.3% | −0.2% |
| Debt and strength | |||||
| Cash and short-term investments | $277M | $71.6M | $82.4M | $59.3M | $58.1M |
| Loans, net | $876M | $1.0B | $0.3M | — | — |
| Deposits | $1.4B | $1.4B | $1.4B | $1.5B | $1.5B |
| Shareholders' equity | $142M | $105M | $121M | $131M | $157M |
| Returns and quality | |||||
| Return on equity | 10.7% | 13.0% | 13.7% | 13.0% | 13.8% |
| Return on tangible equity | 10.6% | 15.3% | 12.8% | 12.5% | 12.6% |
| Efficiency ratio | 74.2% | 73.4% | 73.8% | 74.8% | 70.2% |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$1.5M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Peoples Bancorp Of North Carolina Inc · PEBK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $43.48 a share, the company is worth $238M: 11.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001093672). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.