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PEBK

Peoples Bancorp of North Carolina, Inc.

PEBK

Peoples Bancorp of North Carolina, Inc. • NASDAQ
$32.75 ▲ 0.40% (+0.13)
Market Cap $173.87 M
52w High $33.90
52w Low $23.74
Dividend Yield 0.79%
P/E 10.7
Volume 2.26K
Outstanding Shares 5.31M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $24.869M ▼ $13.261M ▲ $3.692M ▼ 14.846% ▼ $0.7 ▼ $5.527M ▼
Q2-2025 $25.03M ▲ $12.457M ▲ $5.16M ▲ 20.615% ▲ $0.97 ▲ $7.368M ▲
Q1-2025 $23.844M ▼ $11.918M ▼ $4.345M ▲ 18.223% ▲ $0.82 ▲ $6.31M ▲
Q4-2024 $24.726M ▼ $13.766M ▲ $3.559M ▼ 14.394% ▼ $0.67 ▼ $5.295M ▼
Q3-2024 $24.793M $12.247M $3.958M 15.964% $0.75 $6.086M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $493.884M ▲ $1.738B ▲ $1.589B ▲ $149.467M ▲
Q2-2025 $473.614M ▼ $1.694B ▲ $1.55B ▼ $144.005M ▲
Q1-2025 $476.87M ▲ $1.693B ▲ $1.554B ▲ $138.508M ▲
Q4-2024 $293.049M ▼ $1.652B ▼ $1.521B ▼ $130.563M ▼
Q3-2024 $471.735M $1.662B $1.525B $136.282M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $3.692M ▼ $4.688M ▼ $-27.65M ▼ $37.978M ▲ $0 ▲ $4.374M ▼
Q2-2025 $5.16M ▲ $5.47M ▼ $-1.147M ▼ $-4.843M ▼ $-520K ▼ $5.368M ▲
Q1-2025 $4.345M ▲ $5.924M ▲ $6.41M ▲ $30.92M ▲ $43.254M ▲ $5.161M ▲
Q4-2024 $3.559M ▼ $5.282M ▲ $-14.495M ▼ $-4.683M ▲ $-13.896M ▼ $5.122M ▲
Q3-2024 $3.958M $4.898M $-7.209M $-7.362M $-9.673M $4.686M

Five-Year Company Overview

Income Statement

Income Statement Peoples Bancorp of North Carolina shows a pattern of slow, steady growth rather than rapid expansion. Revenue has inched upward over the last five years, and profitability has stayed fairly consistent, with earnings holding at a stable level through different interest-rate environments. The earnings per share trend is generally upward, with only small year‑to‑year bumps, which suggests reasonably disciplined cost control and no major profit shocks. Overall, the income statement reflects a conservative, community‑bank profile: modest growth, consistent profitability, and no signs of aggressive risk‑taking or big swings in performance.

Balance Sheet

Balance Sheet The balance sheet looks solid and relatively conservative. Total assets have grown gradually, not dramatically, which fits a measured, relationship‑driven approach to lending. Equity has edged higher over time, pointing to retained profits and a stronger capital base. Debt levels rose in the recent past and then were pulled back, which suggests active balance sheet management rather than unchecked borrowing. Cash spiked a few years ago and then normalized, likely reflecting temporary liquidity positioning around the pandemic or rate shifts. Overall, leverage appears moderate and the structure consistent with a traditional, well‑capitalized regional bank.

Cash Flow

Cash Flow Cash generation aligns closely with reported profits, which is usually a good sign for a bank. Operating cash flow has been positive and fairly steady, and free cash flow tracks very closely to it, indicating there are no heavy ongoing investment burdens dragging on cash. Because banks’ “capital spending” is relatively light compared with industrial companies, it’s notable that there are no signs of large, lumpy outflows. This reinforces the picture of a stable, cash‑generative institution that can fund growth and technology upgrades largely from internal resources.

Competitive Edge

Competitive Edge Peoples Bancorp competes as a classic community‑focused regional bank in North Carolina, leaning on deep local relationships rather than national scale. Its long history in the area, local decision‑making, and emphasis on personalized service help differentiate it from larger, more impersonal banks. The bank’s niche is serving households and small to mid‑sized businesses that value access to local bankers and flexibility. Offerings like extended daily cut‑off times for transactions and tailored treasury services reinforce this position. The trade‑off is that it competes in a crowded space against both big national institutions and newer digital‑only players, so maintaining that service edge is critical.

Innovation and R&D

Innovation and R&D While it is not a high‑tech disruptor, Peoples Bancorp has been deliberately modernizing. It offers a full digital banking suite that covers the typical needs of consumers and business clients, and it is investing in automation, information systems, and early applications of artificial intelligence to streamline internal processes and enhance customer service. The bank’s “R&D” is less about inventing new technologies and more about thoughtfully adopting existing tools—especially in digital channels, treasury management, and cybersecurity. The key question going forward is execution speed: can it roll out new features and AI‑driven improvements fast enough to keep pace with rising customer expectations and tech‑savvy competitors?

Summary

Overall, Peoples Bancorp of North Carolina presents as a steady, conservatively run community bank with a long operating history. Its financials show gradual revenue growth, consistent profitability, and a reasonably strong capital position, with no obvious signs of outsized risk‑taking or volatility. Strategically, the bank leans on its local roots, relationship banking, and accessible service—especially for small and mid‑sized businesses—while quietly upgrading its digital and automation capabilities. Key opportunities lie in using technology to deepen existing relationships, improve efficiency, and selectively expand its footprint. Key risks include intense competition from larger banks and fintechs, the usual sensitivity of regional banks to interest‑rate and credit cycles, and the need to keep technology and cybersecurity investments current without stretching its resources. As always, these impressions are based on summarized data; a fuller view would require detailed credit quality, funding mix, and regulatory capital information.

NEWS

November 21, 2025 · 10:40 AM UTC

Peoples Bancorp Announces Cash Dividend

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October 20, 2025 · 9:00 AM UTC

Peoples Bancorp Announces Third Quarter 2025 Results

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