15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $20M | — | — | 12.6% | 1.2% | $20M | — | $58M |
| 2024 | — | $16M | — | — | 12.5% | 1.0% | $20M | — | $59M |
| 2023 | — | $16M | — | — | 12.8% | 1.0% | $21M | — | $82M |
| 2022 | — | $16M | — | — | 15.3% | 1.0% | $18M | — | $72M |
| 2021 | — | $15M | — | — | 10.6% | 0.9% | $26M | — | $277M |
| 2020 | — | $11M | — | — | 8.1% | 0.8% | $7M | — | $162M |
| 2019 | — | $14M | — | — | 10.5% | 1.2% | $10M | — | $52M |
| 2018 | — | $13M | — | — | 10.8% | 1.2% | $15M | — | $43M |
| 2017 | — | $10M | — | — | 8.9% | 0.9% | $13M | — | $57M |
| 2016 | — | $9M | — | — | 8.5% | 0.8% | $11M | — | $70M |
| 2015 | — | $10M | — | — | 9.2% | 0.9% | $12M | — | $40M |
| 2014 | — | $9M | — | — | 9.5% | 0.9% | -$1M | — | $69M |
| 2013 | — | $7M | — | — | 8.0% | 0.6% | $22M | — | $77M |
| 2012 | — | $6M | — | — | 5.9% | 0.6% | $18M | — | $49M |
| 2011 | — | $5M | — | — | 5.0% | 0.5% | $21M | — | $29M |
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | — | $5M | — | — | 3.2% | 0.3% | $6M | — | $61M |
| Mar '26 | — | $4M | — | — | 2.8% | 0.3% | $5M | — | $61M |
| Dec '25 | — | $7M | — | — | 4.2% | 0.4% | $5M | — | $58M |
| Sep '25 | — | $4M | — | — | 2.5% | 0.2% | $4M | — | — |
| Jun '25 | — | $5M | — | — | 3.6% | 0.3% | $5M | — | — |
| Mar '25 | — | $4M | — | — | 3.1% | 0.3% | $5M | — | — |
| Dec '24 | — | $4M | — | — | 2.7% | 0.2% | $5M | — | $59M |
| Sep '24 | — | $4M | — | — | 2.9% | 0.2% | $5M | — | $73M |
| Jun '24 | — | $5M | — | — | 3.9% | 0.3% | $7M | — | — |
| Mar '24 | — | $4M | — | — | 3.3% | 0.2% | $4M | — | — |
| Dec '23 | — | $3M | — | — | 2.8% | 0.2% | $5M | — | $82M |
| Sep '23 | — | $4M | — | — | 3.8% | 0.3% | $4M | — | — |
| Jun '23 | — | $5M | — | — | 4.3% | 0.3% | $4M | — | $89M |
| Mar '23 | — | $3M | — | — | 2.8% | 0.2% | $7M | — | $83M |
| Dec '22 | — | $4M | — | — | 3.9% | 0.3% | $5M | — | $72M |
| Sep '22 | — | $5M | — | — | 5.1% | 0.3% | $5M | — | $155M |
| Jun '22 | — | $3M | — | — | 2.9% | 0.2% | $768000 | — | $224M |
| Mar '22 | — | $3M | — | — | 2.8% | 0.2% | $7M | — | $305M |
| Dec '21 | — | $3M | — | — | 2.1% | 0.2% | $9M | — | $277M |
| Sep '21 | — | $3M | — | — | 2.4% | 0.2% | $846000 | — | $263M |
How the market has priced PEBK against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
See the revenue and net-income charts above for PEOPLES BANCORP OF NORTH CAROLINA INC's multi-year trend.
As of FY2025, PEOPLES BANCORP OF NORTH CAROLINA INC reported — of total debt against $58M of cash.
In FY2025, gross margin was —, operating margin —, and net margin —.
As of Sep '26, PEOPLES BANCORP OF NORTH CAROLINA INC traded at a price-to-earnings ratio of about 12.0× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.