Peoples Bancorp of North Carolina, Inc.

Peoples Bancorp of North Carolina, Inc.

PEBK
Peoples Bancorp of North Carolina, Inc.US flagNASDAQ Global Market
42.06
USD
-1.18
- -
229.71MMarket Cap
Peoples Bancorp of North Carolina, Inc.
PEBK
(NASDAQ Global Market)

Recent

price

42.06

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.75
8.01
7.21
7.02
7.34
7.76
8.22
8.53
9.23
10.07
10.43
10.87
12.29
12.67
13.4
14.03
14.27
Revenue per Share
0.07
0.62
0.78
0.98
1.52
1.57
1.53
1.71
2.23
2.37
1.95
2.71
2.94
2.87
3.08
3.74
3.75
Basic EPS, GAAP
2.68
3.4
2.96
3.66
-0.19
1.88
1.77
2.17
2.57
1.75
1.15
4.73
3.29
3.85
3.76
3.76
3.66
Free Cash Flow per Basic Share
0.28
0.28
0.33
0.23
0.17
0.26
0.35
0.44
0.52
0.66
0.75
0.68
0.9
0.94
0.95
0.99
1.01
Dividend per Share
3.87
12.33
13.01
13.81
15.07
16.22
17.38
18.72
20.44
21.98
22.79
25.12
27.46
29.26
31.63
34.48
34.94
Book Value per Share
11.86
12.84
13.93
13.62
15.96
17.12
17.88
19.31
20.6
22.6
24.02
25.5
19.18
22.34
24.59
29.63
29.83
Tangible Book Value per Share
6
6
6
6
6
6
6
6
6
6
6
6
5
5
5
5
5
Basic Weighted Avg Shares
47
49
44
43
45
48
49
51
55
60
61
61
67
69
71
74
76
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
5
6
9
8
7
6
5
5
5
4
4
6
6
3
3
3
3
Depreciation Expense
2
5
6
7
9
10
9
10
13
14
11
15
16
16
16
20
20
Net Income, GAAP
- -
22.09
21.5
21.93
17.1
24.35
21.82
27.77
16.39
18.23
17.98
20.05
20.56
21.97
21.86
23.29
23.13
Effective Tax Rate (%)
3.9
10.57
13.14
15.5
20.68
20.28
18.59
20.06
24.17
23.54
18.69
24.94
23.92
22.65
22.99
26.65
26.28
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
91
91
91
86
71
64
41
21
21
19
19
20
21
20
20
19
19
LT Debt
97
103
98
84
99
105
107
116
124
134
140
142
105
121
131
157
158
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
0.94
7.63
6.18
7.34
10.54
10
9.01
9.47
11.39
11.12
8.63
11.09
11.09
10.06
10.02
11.31
11.19
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
15
15
15
LT Finance Leases
4
4
3
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
163
192
208

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
494
275
274
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.87%
3.79%
20.34%
Free Cash Flow
24.05%
55.12%
-0.06%
Net Income, GAAP
8.6%
12.53%
21.26%
Sales/Revenue/Turnover
4.64%
4.21%
4.6%
Total Cash Common Dividend
13.78%
4.55%
3.96%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
17
18
18
18
71
2025
18
19
19
19
74
2026
19
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.74
0.93
0.74
0.67
3.08
2025
0.82
0.97
0.7
1.25
3.74
2026
0.83
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.36
0.2
0.19
0.2
0.95
2025
0.37
0.21
0.21
0.21
0.99
2026
0.39
- -
- -
- -
- -
Business
Peoples Bancorp of North Carolina, Inc. Peoples Bancorp of North Carolina, Inc. (Nasdaq: PEBK) operates as the holding company for its wholly owned subsidiary Peoples Bank, a full-service community bank headquartered in Newton, North Carolina, and founded in 1912. Peoples Bank provides a comprehensive range of banking products and services to individuals and small- to medium-sized businesses through 16 offices in Catawba, Lincoln, Iredell, Alexander, Mecklenburg, and Wake counties in North Carolina, as well as loan production offices in Lincoln, Mecklenburg, and Rowan counties; core offerings include commercial, consumer, and mortgage loans; deposit products such as checking, savings, and interest-bearing accounts; cash management services; merchant services for debit and credit card processing; online and mobile banking with features like mobile deposit, fund transfers, eStatements, personal finance tools, and credit card access; and mortgage and home equity line of credit (HELOC) options. The bank operates through segments encompassing banking operations, appraisal management services via its subsidiary Community Bank Real Estate Solutions, LLC (CBRES), investment services through Peoples Investment Services, Inc., and real estate advisory via Real Estate Advisory Services, Inc., primarily targeting customers in the southeastern United States. Recent developments include the acquisition of three bank branches from FNB Corporation in Blacksburg, Christiansburg, and Radford, Virginia, on December 4, 2023, which added approximately $177 million in deposits and $11 million in loans to expand its footprint into the New River Valley; authorization of a $3.0 million stock repurchase program by its board of directors in March 2025; and strong quarterly net income growth, with the most recent quarter reporting $5.16 million compared to $4.34 million in the prior period.

Company News

APIChatGPT
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  • Peoples Bancorp Announces Cash Dividend

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  • Peoples Bancorp Announces Fourth Quarter and Full Year 2025 Results

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  • Peoples Bancorp Announces Cash Dividend

  • Peoples Bancorp Stock Gains on Solid Q3 Earnings and Loan Growth

  • Peoples Bancorp Announces Third Quarter 2025 Results

  • Zacks Initiates Coverage of Peoples Bancorp With Neutral Recommendation

  • Peoples Bancorp Announces Cash Dividend

  • Peoples Bancorp Announces Second Quarter 2025 Results

  • Peoples Bancorp Announces Cash Dividend