PEBK Financials PEOPLES BANCORP OF NORTH CAROLINA INC
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 →
Growth & profitability
Free cash flow has grown 24.5% per year over the past 5 years.
Shareholder returns
Dividends have been paid for 15 consecutive years, consuming 26.5% of earnings and 26.3% of free cash flow.
The dividend has grown 3.6% per year over the past 5 years.
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
2025
—
$20M
—
—
$20M
—
$58M
2024
—
$16M
—
—
$20M
—
$59M
2023
—
$16M
—
—
$21M
—
$82M
2022
—
$16M
—
—
$18M
—
$72M
2021
—
$15M
—
—
$26M
—
$277M
2020
—
$11M
—
—
$7M
—
$162M
2019
—
$14M
—
—
$10M
—
$52M
2018
—
$13M
—
—
$15M
—
$43M
2017
—
$10M
—
—
$13M
—
$57M
2016
—
$9M
—
—
$11M
—
$70M
2015
—
$10M
—
—
$12M
—
$40M
2014
—
$9M
—
—
-$1M
—
$69M
2013
—
$7M
—
—
$22M
—
$77M
2012
—
$6M
—
—
$18M
—
$49M
2011
—
$5M
—
—
$21M
—
$29M
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
Mar '26
—
$4M
—
—
$5M
—
$61M
Dec '25
—
$7M
—
—
$5M
—
$58M
Sep '25
—
$4M
—
—
$4M
—
—
Jun '25
—
$5M
—
—
$5M
—
—
Mar '25
—
$4M
—
—
$5M
—
—
Dec '24
—
$4M
—
—
$5M
—
$59M
Sep '24
—
$4M
—
—
$5M
—
$73M
Jun '24
—
$5M
—
—
$7M
—
—
Mar '24
—
$4M
—
—
$4M
—
—
Dec '23
—
$3M
—
—
$5M
—
$82M
Sep '23
—
$4M
—
—
$4M
—
—
Jun '23
—
$5M
—
—
$4M
—
$89M
Mar '23
—
$3M
—
—
$7M
—
$83M
Dec '22
—
$4M
—
—
$5M
—
$72M
Sep '22
—
$5M
—
—
$5M
—
$155M
Jun '22
—
$3M
—
—
$768000
—
$224M
Mar '22
—
$3M
—
—
$7M
—
$305M
Dec '21
—
$3M
—
—
$9M
—
$277M
Sep '21
—
$3M
—
—
$846000
—
$263M
Jun '21
—
$5M
—
—
$5M
—
$287M
Valuation over time
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.
The price-to-earnings ratio has risen from 10.5× (Mar '23) to 12.0× (Jun '26).
The dividend yield has fallen from 2.9% (Mar '23) to 2.2% (Jun '26).
Price / earnings (P/E)
P/E
Dividend yield (%)
Dividend yield %
Frequently asked questions
Is PEBK growing its revenue and profit?
See the revenue and net-income charts above for PEOPLES BANCORP OF NORTH CAROLINA INC's multi-year trend.
How much debt does PEBK have?
As of FY2025, PEOPLES BANCORP OF NORTH CAROLINA INC reported — of total debt against $58M of cash.
What is PEBK's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is PEBK's P/E ratio?
As of Jun '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.
Where does this data come from?
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.