Peoples Bancorp of North Carolina, Inc. Financial Ratios — PEBK

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	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
Return on Assets (%)	0.48	0.56	0.65	0.9	0.93	0.86	0.94	1.22	1.25	0.88	1	0.99	0.95	0.99	1.18
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	12.75	20.13	19.58	15.18	12.74	10.98	9.8	8.26	6.63	6.89	9.18	8.95	4.55	4.06	3.68
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	13.56	16.74	19.85	24.95	26.8	23.77	27.77	28.91	28.79	22.79	31.2	30.11	29.03	29.42	34.74
Profit Margin (%)	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
Net Income to Common Margin (%)	7.71	10.85	13.98	20.68	20.28	18.59	20.06	24.17	23.54	18.69	24.94	23.92	22.65	22.99	26.65
Effective Tax Rate (%)	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
Dvd Payout Ratio (%)	8.05	21.24	12.51	10.89	16.34	22.95	25.66	23.41	28	38.67	25.06	30.61	32.86	30.86	26.46
Sustainable Growth Rate (%)	7.01	4.87	6.42	9.39	8.37	6.94	7.04	8.72	8	5.29	8.31	7.69	6.75	6.93	8.31

Credit (USD)

API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	91	91	86	71	64	41	21	21	19	19	20	21	20	20	19
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	91	91	86	71	64	41	21	21	19	19	20	21	20	20	19
Total Debt/EBITDA	14.55	10.21	10.13	10.25	10.59	7.49	4.11	4.51	4.86	4.53	3.62	3.42	6.49	6.78	6.97
Net Debt/EBITDA	9.86	4.71	1.05	0.22	4.02	-5.44	-7.31	-4.98	-8.44	-34.93	-47.05	-9.31	-21.4	-15.16	-15.57
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.05	7.85	8.2	8.96	9.57	9.6	10.29	11.22	11.3	9.37	8.64	9.29	9.69	10.17	10.74
Long-Term Debt/Equity (%)	87.96	92.71	102.27	71.57	61.14	37.81	17.78	16.68	14.36	13.53	14.15	19.63	16.77	15.01	12.14
Long-Term Debt/Capital (%)	47.55	49.59	50.21	43.1	39.22	28	15.5	14.39	12.87	12.49	12.56	12.06	11.35	10.45	9.45
Long-Term Debt/Total Assets (%)	8.49	8.94	8.27	6.79	6.17	3.73	1.89	1.89	1.67	1.34	1.24	1.27	1.24	1.19	1.12
Total Debt/Equity (%)	87.96	92.71	102.27	71.57	61.14	37.81	17.78	16.68	14.36	13.53	14.15	19.63	16.77	15.01	12.14
Total Debt/Capital (%)	47.55	49.59	50.21	43.1	39.22	28	15.5	14.39	12.87	12.49	12.56	12.06	11.35	10.45	9.45
Total Debt/Total Assets (%)	8.49	8.94	8.27	6.79	6.17	3.73	1.89	1.89	1.67	1.34	1.24	1.27	1.24	1.19	1.12
Net Debt to Equity	59.58	42.74	10.57	1.54	23.23	-27.44	-31.63	-18.4	-24.93	-104.44	-184.05	-53.36	-55.29	-33.55	-27.14
Net Debt/Capital (%)	38.05	31.2	9.44	1.61	19.69	-39.32	-48.46	-22.78	-33.21	1,469.68	223.81	-56.32	-69.42	-34.14	-29.65
EBITDA	6	9	8	7	6	5	5	5	4	4	6	6	3	3	3
EBITDA-CapEx	5	8	6	4	4	4	-1	3	1	2	5	1	1	2	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.05	7.85	8.2	8.96	9.57	9.6	10.29	11.22	11.3	9.37	8.64	9.29	9.69	10.17	10.74
Long-Term Debt/Equity (%)	87.96	92.71	102.27	71.57	61.14	37.81	17.78	16.68	14.36	13.53	14.15	19.63	16.77	15.01	12.14
Long-Term Debt/Capital (%)	47.55	49.59	50.21	43.1	39.22	28	15.5	14.39	12.87	12.49	12.56	12.06	11.35	10.45	9.45
Long-Term Debt/Total Assets (%)	8.49	8.94	8.27	6.79	6.17	3.73	1.89	1.89	1.67	1.34	1.24	1.27	1.24	1.19	1.12
Total Debt/Equity (%)	87.96	92.71	102.27	71.57	61.14	37.81	17.78	16.68	14.36	13.53	14.15	19.63	16.77	15.01	12.14
Total Debt/Capital (%)	47.55	49.59	50.21	43.1	39.22	28	15.5	14.39	12.87	12.49	12.56	12.06	11.35	10.45	9.45
Total Debt/Total Assets (%)	8.49	8.94	8.27	6.79	6.17	3.73	1.89	1.89	1.67	1.34	1.24	1.27	1.24	1.19	1.12
CFO/Total Liabilities	2.32	2.08	2.62	0.2	1.48	1.25	1.9	1.77	1.29	0.72	1.82	1.49	1.5	1.35	1.38
CFO/CapEx	13.96	20.75	10.24	0.61	5.89	7.6	3.35	9.87	4.66	3.68	55.58	4.96	11.69	35.02	15.13
Altman's Z-Score	0.1	0.12	0.14	0.17	0.19	0.21	0.22	0.22	0.25	0.18	0.18	0.2	0.2	0.21	0.23

Working Capital (USD)

API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	2.46	3.18	3.01	3.46	4.4	4.43	4.01	3.45	3.45	3.52	3.24	2.36	3.62	- -	- -
Days Sales Outstanding	148.6	114.91	121.36	105.63	82.91	82.42	91.03	105.95	105.78	103.83	112.63	154.83	100.86	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	30	51	79	101	108	137	184	147	195	134	154	179	168	166	192
- Cash & Cash Equivalents	29	49	77	69	40	70	57	43	49	162	277	72	82	59	58
+ Preferred Equity and Hybrid Capital	25	13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	91	91	86	71	64	41	21	21	19	19	20	21	20	20	19
Enterprise Value	-205	-193	-210	-178	-136	-142	-82	-71	-31	-254	-510	-318	-286	-262	-64
Total Capital	191	183	171	164	163	145	133	143	150	152	160	171	179	188	202
Total Debt/Capital (%)	47.55	49.59	50.21	43.1	39.22	28	15.5	14.39	12.87	12.49	12.56	12.06	11.35	10.45	9.45
Total Debt / EV	-0.44	-0.47	-0.41	-0.4	-0.47	-0.29	-0.25	-0.29	-0.63	-0.07	-0.04	-0.06	-0.07	-0.07	-0.3
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	30	51	80	102	108	139	186	147	196	134	159	184	174	171	198
Diluted Enterprise Value	117	105	89	103	133	110	150	125	166	-9	-99	133	112	132	159
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	49	44	43	45	48	49	51	55	60	61	61	67	69	71	74
TTM EBITDA	6	9	8	7	6	5	5	5	4	4	6	6	3	3	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	22	19	25	2	14	12	19	17	13	9	27	23	23	21	21
TTM Free Cash Flow to Firm	24	20	27	5	16	14	24	19	16	12	27	27	25	21	23

Multiples (USD)

API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	1.27	2.54	2.92	20.19	6.68	10.07	7.72	7.79	12.21	11.5	5.8	6.78	7.02	8.11	8.7
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-205	-193	-210	-178	-136	-142	-82	-71	-31	-254	-510	-318	-286	-262	-64
Low Price	3.74	4.69	8.36	12.89	14.57	16.62	19.65	20.03	22.09	13.3	19.71	24.42	16.35	23.74	23.74
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	8.08	10.58	13.13	10.77	11.18	14.92	17.95	10.97	13.86	11.81	10.18	11.07	10.78	10.15	9.68
Price/Earnings Average	8.56	9.8	11.36	9.9	10.69	11.96	16.28	13.43	11.95	10.61	9.61	9.37	8.84	9.29	7.93
Price/Earnings High	10.7	12.22	13.89	11.08	11.26	16.01	21.12	15.02	14.48	17.02	10.96	11.07	12.15	10.81	10.28
Price/Earnings Low	6.05	6	8.51	8.49	9.26	10.88	11.49	8.98	9.32	6.82	7.27	8.31	5.7	7.71	6.35
Price/Book Value	0.4	0.64	0.93	1.08	1.08	1.31	1.64	1.2	1.49	1.01	1.1	1.19	1.06	0.99	1.05
Price/Book Value Average	0.43	0.59	0.81	1	1.04	1.05	1.49	1.47	1.29	0.91	1.04	1	0.87	0.9	0.86
Price/Book Value High	0.54	0.73	0.99	1.12	1.09	1.41	1.93	1.64	1.56	1.46	1.18	1.19	1.19	1.05	1.12
Price/Book Value Low	0.3	0.36	0.61	0.86	0.9	0.96	1.05	0.98	1	0.58	0.78	0.89	0.56	0.75	0.69
Price/Tangible Book Value	0.39	0.59	0.95	1.02	1.03	1.27	1.59	1.19	1.45	0.96	1.08	1.7	1.38	1.27	1.22
Price/Tangible Book Value Average	0.41	0.55	0.82	0.94	0.98	1.02	1.44	1.45	1.25	0.86	1.02	1.44	1.14	1.16	1
Price/Tangible Book Value High	0.51	0.69	1	1.05	1.03	1.37	1.87	1.63	1.52	1.38	1.16	1.7	1.56	1.35	1.3
Price/Tangible Book Value Low	0.29	0.34	0.61	0.81	0.85	0.93	1.02	0.97	0.98	0.55	0.77	1.27	0.73	0.97	0.8
Price/Sales	0.62	1.15	1.84	2.23	2.27	2.77	3.6	2.65	3.26	2.21	2.54	2.65	2.44	2.33	2.58
Price/Sales Average	0.66	1.06	1.59	2.05	2.17	2.22	3.27	3.25	2.81	1.98	2.4	2.24	2	2.14	2.11
Price/Sales High	0.83	1.33	1.94	2.29	2.28	2.98	4.24	3.63	3.41	3.18	2.73	2.65	2.75	2.49	2.74
Price/Sales Low	0.47	0.65	1.19	1.76	1.88	2.02	2.3	2.17	2.19	1.28	1.81	1.99	1.29	1.77	1.69
Price/Cash Flow	1.36	2.66	3.18	52.74	7.77	11.19	9.91	8.54	14.77	14.63	5.73	7.9	7.36	8.07	8.98
Price/Cash Flow Average	1.44	2.46	2.75	48.5	7.43	8.97	8.99	10.46	12.73	13.16	5.4	6.68	6.03	7.39	7.36
Price/Cash Flow High	1.8	3.07	3.36	54.26	7.82	12	11.66	11.69	15.44	21.09	6.16	7.9	8.29	8.6	9.54
Price/Cash Flow Low	1.02	1.51	2.06	41.58	6.44	8.16	6.35	6.99	9.94	8.45	4.09	5.92	3.89	6.13	5.89
Price/Free Cash Flow Average	1.35	2.35	2.53	18.57	6.39	8.07	7	9.54	10.53	10.34	5.47	5.73	5.76	7.43	7.13
Price/Free Cash Flow High	1.68	2.93	3.09	20.77	6.73	10.8	9.09	10.66	12.76	16.58	6.24	6.78	7.92	8.64	9.25
Price/Free Cash Flow Low	0.95	1.44	1.9	15.92	5.53	7.34	4.94	6.38	8.21	6.65	4.14	5.08	3.71	6.16	5.71
EV/Sales Average	2.42	2.29	1.79	2.08	2.68	1.63	2.55	2.84	2.31	- -	- -	1.49	1.1	1.58	1.59
EV/Sales High	2.59	2.56	2.15	2.32	2.8	2.38	3.52	3.22	2.91	0.83	- -	1.89	1.85	1.93	2.22
EV/Sales Low	2.23	1.88	1.4	1.79	2.39	1.43	1.59	1.76	1.7	- -	- -	1.23	0.39	1.21	1.17
EV/EBITDA Average	19.01	11.4	9.16	13.72	21.04	14.81	26.01	34.34	34.88	-5.28	-20.11	16.6	24.11	38.86	43.19
EV/EBITDA High	20.31	12.7	10.97	15.32	21.94	21.66	35.91	38.99	43.87	12.1	-16.44	21.16	40.58	47.47	60.2
EV/EBITDA Low	17.5	9.35	7.13	11.79	18.77	12.98	16.2	21.32	25.56	-15.58	-26.45	13.76	8.47	29.89	31.71
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	4.99	8.27	12.89	16.35	17.58	22.79	30.69	24.46	32.85	23.02	27.59	32.56	30.94	31.25	36.2
High Price	6.61	9.55	13.64	16.82	17.71	24.45	36.12	33.49	34.32	33.18	29.69	32.56	34.88	33.31	38.46
Enterprise Value Average	118	101	77	94	127	80	131	157	138	-22	-112	100	75	112	118
Enterprise Value High	126	113	93	106	133	117	180	178	174	51	-92	128	127	137	165
Enterprise Value Low	109	83	60	81	114	70	81	97	101	-65	-147	83	26	86	87

Shares Outstanding	6	6	6	6	6	6	6	6	6	6	6	6	5	5	5
Diluted Weighted Avg Shares	6	6	6	6	6	6	6	6	6	6	6	6	6	5	5
Basic Weighted Avg Shares	6	6	6	6	6	6	6	6	6	6	6	5	5	5	5
Revenue per Share	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
EBITDA per Share	1.02	1.45	1.38	1.11	0.99	0.9	0.84	0.76	0.67	0.72	1	1.1	0.58	0.54	0.52
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	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
Basic EPS from Cont Ops	0.85	0.95	1.09	1.52	1.57	1.53	1.71	2.23	2.37	1.95	2.71	2.94	2.87	3.08	3.74
Diluted EPS, GAAP	0.62	0.78	0.97	1.51	1.56	1.5	1.69	2.22	2.36	1.95	2.63	2.85	2.77	2.98	3.62
Diluted EPS from Cont Ops	0.85	0.95	1.08	1.51	1.56	1.5	1.69	2.22	2.36	1.95	2.63	2.85	2.77	2.98	3.62
Dividend per Share	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
Cash Flow per Share	3.67	3.11	4.05	0.31	2.26	2.04	3.1	2.86	2.22	1.57	4.82	4.12	4.21	3.87	4.03
Free Cash Flow per Basic Share	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
Cash & Equivalents per Share	57.51	56.67	60.95	56.63	50.33	53.26	47.73	39.65	41.24	69.85	122.5	94.27	87.56	84.24	51.86
Book Value per Share	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
Tangible Book Value per Share	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

Peoples Bancorp of North Carolina, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)