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PEOPLES BANCORP OF NORTH CAROLINA INC PEBK
Nasdaq · stock · State Commercial Banks · website · IPO 1985-10-16
PEOPLES BANCORP OF NORTH CAROLINA INC financials (annual)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest expense | $24.6M | $26.7M | $17.1M | $3.3M | $3.2M | $3.8M | $3.8M | $2.1M | $2.4M | $3.3M |
| Income tax | $6.0M | $4.6M | $4.4M | $4.2M | $3.8M | $2.5M | $3.1M | $2.6M | $3.9M | $2.6M |
| Net income | $19.8M | $16.4M | $15.5M | $16.1M | $15.1M | $11.4M | $14.1M | $13.4M | $10.3M | $9.2M |
| EPS (diluted) | $3.62 | $2.98 | $2.77 | $2.85 | $2.63 | $1.95 | $2.36 | $2.22 | $1.69 | $1.50 |
| Operating cash flow | $21.4M | $20.6M | $22.8M | $22.6M | $26.9M | $9.2M | $13.2M | $17.2M | $18.6M | $12.2M |
| Free cash flow | $20.0M | $20.0M | $20.8M | $18.1M | $26.4M | $6.7M | $10.4M | $15.4M | $13.0M | $10.6M |
| Cash & equivalents | $58.1M | $59.3M | $82.4M | $71.6M | $277.5M | $161.6M | $52.4M | $43.4M | $57.3M | $70.1M |
| Total assets | $1.7B | $1.7B | $1.6B | $1.6B | $1.6B | $1.4B | $1.2B | $1.1B | $1.1B | $1.1B |
| Total liabilities | $1.5B | $1.5B | $1.5B | $1.5B | $1.5B | $1.3B | $1.0B | $969.6M | $976.2M | $980.6M |
| Shareholders' equity | $157.1M | $130.6M | $121.0M | $105.2M | $142.4M | $139.9M | $134.1M | $123.6M | $116.0M | $107.4M |
Growth · year-over-year
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income growth | +21.3% | +5.2% | -3.6% | +6.5% | +33.2% | -19.3% | +5.1% | +30.3% | +11.9% | -4.7% |
| EPS growth | +21.5% | +7.6% | -2.8% | +8.4% | +34.9% | -17.4% | +6.3% | +31.4% | +12.7% | -3.8% |
| Free cash flow growth | -0.1% | -4.1% | +15.4% | -31.7% | +296.0% | -35.6% | -32.9% | +18.5% | +22.7% | -7.6% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.