arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

PEOPLES BANCORP OF NORTH CAROLINA INC

PEBK

$43.09 ▼ -1.41 (-3.18%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

auto_awesome

Analytical Summary

PEOPLES BANCORP OF NORTH CAROLINA INC shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $228.6M

Dividend Yield 2.23%

Revenue Growth 10.0%

Op. Margin 28.7% ↗

ROIC None

FCF / Share None

Trailing P/E 11.5x

Price / Book 1.5x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$90.00M

↑ +10.0% —

Net Income Profit after all expenses

$19.83M

↑ +21.3% —

Operating Margin Operating profit as % of sales

28.7%

↑ +12.3% 85th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.96 Latest / share

+4.3% YoY

+16.4% 12-yr CAGR

$0.18

FY 2014

$0.28

FY 2015

$0.35

FY 2016

$0.44

FY 2017

$0.52

FY 2018

$0.66

FY 2019

$0.75

FY 2020

$0.66

FY 2021

$0.87

FY 2022

$0.91

FY 2023

$0.92

FY 2024

$0.96

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	10.0% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+67%)	—	—	—	2.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-54%)	5.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-9%)	7.1% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+18%)	8.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+35%)	8.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+46%)	4.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-31%)	4.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-21%)	5.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-13%)	-0.2% Weak → Weak Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-103%)	-9.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-262%)	3.4% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-43%)	5.7% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-5%)	—	—
EPS Growth YoY (%)	21.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	7.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-2.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	8.5% Fair → Fair Stable Year-over-year change in earnings per share Optimal: > 10%	34.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-15.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	30.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	11.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-11.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.6% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	54.6% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	25.6% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	26.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	750.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-73.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	21.3% Good ↑ Good Improving Year-over-year change in net income	5.2% Fair ↓ Fair Declining Year-over-year change in net income	-3.6% Weak ↓ Weak Declining Year-over-year change in net income	6.5% Fair → Fair Stable Year-over-year change in net income	33.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-19.3% Weak ↓ Weak Declining Year-over-year change in net income	5.1% Fair ↓ Fair Declining Year-over-year change in net income	30.3% Excellent ↑ Excellent Improving Year-over-year change in net income	11.9% Fair ↓ Fair Declining Year-over-year change in net income	-4.7% Weak ↓ Weak Declining Year-over-year change in net income	2.6% Caution ↓ Caution Declining Year-over-year change in net income	40.3% Excellent ↓ Excellent Declining Year-over-year change in net income	15.5% Good ↓ Good Declining Year-over-year change in net income	12.3% Fair ↓ Fair Declining Year-over-year change in net income	180.2% Excellent Excellent Year-over-year change in net income	-36.9% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	—	5.9% Fair Fair Compound annual revenue growth over 3 years	—	—	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.9% Fair → Fair Stable Compound annual revenue growth over 3 years	8.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	3.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-1.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.3% Weak Weak Compound annual revenue growth over 3 years	-0.4% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.1% Fair Fair Compound annual revenue growth over 5 years	5.2% Fair Fair Compound annual revenue growth over 5 years	—	—	6.4% Fair → Fair Stable Compound annual revenue growth over 5 years	6.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	0.7% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	0.5% Weak Weak Compound annual revenue growth over 5 years	0.7% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	8.4% Fair → Fair Stable Compound annual EPS growth over 3 years	4.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	12.6% Good ↑ Good Improving Compound annual EPS growth over 3 years	7.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	6.7% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	15.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	8.8% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	0.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	12.3% Good ↓ Good Declining Compound annual EPS growth over 3 years	26.2% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	34.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	138.1% Excellent Excellent Compound annual EPS growth over 3 years	42.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	28.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	25.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	23.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.0% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	22.0% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.0% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	—	—	22.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	16.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	22.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.7% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	18.2% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	19.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	20.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	15.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	13.1% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	10.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	3.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	6.5% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	12.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+5%)	12.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	15.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+28%)	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	8.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	10.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	10.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	8.9% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	8.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	9.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	9.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	8.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	5.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	5.0% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	1.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$16.96	$15.43	—	—	$12.36	$11.85	$10.70	$9.90	$9.17	$8.38	$8.72	$8.24	$7.84	$7.93	$8.81	—	—	—
Basic EPS, GAAP (USD)	$3.74	$3.08	$2.87	$2.94	$2.71	$2.01	$2.37	$2.23	$1.71	$1.53	$1.73	$1.67	$1.08	$0.86	$0.68	$0.08	$0.30	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.96	$0.92	$0.91	$0.87	$0.66	$0.75	$0.66	$0.52	$0.44	$0.35	$0.28	$0.18	$0.12	$0.18	$0.08	$0.08	$0.26	—
Book Value per Share (USD)	$28.78	$23.92	$21.87	$18.66	$24.08	$24.17	$22.68	$20.62	$19.34	$19.83	$19.03	$17.58	$14.91	$17.41	$18.58	$17.48	—	—
Tangible Book Value per Share (USD)	$28.78	$23.92	$21.87	$18.66	$24.08	$24.17	$22.68	$20.62	$19.34	$19.83	$19.03	$17.58	$14.91	$17.41	$18.58	$17.48	—	—
Basic Weighted Avg Shares (shares)	5.31M	5.30M	5.42M	5.48M	5.58M	5.66M	5.94M	6.00M	5.99M	6.02M	5.56M	5.62M	5.61M	5.56M	5.54M	—	—	—
Dividend Payout Ratio (%)	25.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	29.9% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	31.7% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	29.6% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	24.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	37.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	27.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	25.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	16.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	11.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	20.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	11.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	100.0% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	86.7% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$157.12M	$130.56M	$121.02M	$105.19M	$142.37M	$139.90M	$134.12M	$123.62M	$115.97M	$107.43M	$104.86M	$98.67M	$83.72M	$97.75M	$103.03M	$96.86M	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$90.00M	$81.79M	—	—	$68.89M	$67.04M	$63.58M	$59.37M	$54.94M	$50.51M	$48.49M	$46.30M	$43.99M	$44.09M	$48.83M	$47.22M	$44.67M	—
Depreciation Expense (USD)	$2.00M	$2.10M	$220.00K	$2.40M	$2.60M	$2.50M	$2.30M	$2.30M	$2.10M	$2.10M	$2.40M	$2.50M	$1.90M	$1.90M	$2.00M	—	—	—
Net Income, GAAP (USD)	$19.83M	$16.35M	$15.55M	$16.12M	$15.13M	$11.36M	$14.07M	$13.38M	$10.27M	$9.18M	$9.63M	$9.39M	$6.69M	$5.79M	$5.16M	$1.84M	$2.92M	—
Operating Cash Flow (USD)	$21.37M	$20.56M	$22.78M	$22.66M	$26.90M	$9.16M	$13.20M	$17.19M	$18.59M	$12.24M	$13.86M	$14.44M	$24.92M	$19.03M	$22.35M	$17.80M	$4.71M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.5%	3.3%	—	—	2.7%	3.1%	4.0%	4.0%	3.6%	3.4%	3.4%	3.3%	3.0%	3.1%	3.2%	3.1%	—	—
Efficiency Ratio (%) (%)	70.2%	74.8%	—	—	74.2%	73.0%	71.6%	71.7%	75.0%	79.2%	73.8%	77.0%	74.6%	72.1%	60.6%	61.3%	66.9%	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 18 years · 69 quarters

PEOPLES BANCORP OF NORTH CAROLINA INC

Analytical Summary

18-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare PEBK with peers