PEBK
Peoples Bancorp of North Carolina, Inc.
Price Chart
Latest Quote
$42.90
+0.45 (+1.07%)
Current Price
| Previous Close | $42.45 |
| Open | $42.61 |
| Day High | $43.18 |
| Day Low | $42.40 |
| Volume | 20,307 |
Stock Information
| Quarterly Dividend / Yield | $0.84 / 1.99% |
| Shares Outstanding | 5.31M |
| Quarterly Dividend Yield | 1.99% |
| Quarterly Dividend | $0.84 |
| Total Debt | $18.91M |
| Cash Equivalents | $61.26M |
| Revenue | $89.87M |
| Net Income | $19.88M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $227.79M |
| P/E Ratio | 11.79 |
| EPS (TTM) | $3.64 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $183.02M |
| Sales | $89.87M |
| Income | $19.88M |
| Book/sh | $29.78 |
| Cash/sh | $11.54 |
| Employees | 268 |
Financial Ratios
| EPS Growth TTM | 1.20% |
Returns & Margins
| ROA | 1.16% |
| ROE | 13.41% |
| Operating Margin | 27.80% |
| Profit Margin | 22.12% |
Ownership
| Insider Ownership | 19.22% |
| Institutional Ownership | 44.46% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 2.53 |
| P/B | 1.44 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $42.61 |
| SMA50 | $41.24 |
| SMA200 | $35.91 |
| RSI | 60.08 |
| ATR | 1.3118 |
| Shares Float | 4.52M |
| Short Float | 1.79% |
| Short Ratio | 2.71 |
| Volatility | 0.31 |
| Rel Volume | 0.60 |
Performance History
| Week | -3.31% |
| Month | +4.50% |
| Quarter | +15.99% |
| 6 Months | +15.13% |
| YTD | +21.96% |
| Year | +59.23% |
| 3 Years | +129.79% |
| 5 Years | +99.58% |
| 10 Years | +219.03% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $42.90 | 20,307 |
| 2026-06-18 | $42.45 | 49,100 |
| 2026-06-17 | $42.18 | 28,400 |
| 2026-06-16 | $42.60 | 36,200 |
| 2026-06-15 | $42.55 | 22,700 |
| 2026-06-12 | $44.37 | 19,400 |
| 2026-06-11 | $44.06 | 21,700 |
| 2026-06-10 | $44.13 | 38,400 |
| 2026-06-09 | $44.16 | 80,500 |
| 2026-06-08 | $43.39 | 25,200 |
| 2026-06-05 | $43.08 | 45,100 |
| 2026-06-04 | $42.06 | 44,500 |
| 2026-06-03 | $41.13 | 23,800 |
| 2026-06-02 | $41.95 | 38,100 |
| 2026-06-01 | $41.30 | 37,000 |
| 2026-05-29 | $41.89 | 29,800 |
| 2026-05-28 | $42.15 | 26,000 |
| 2026-05-27 | $42.04 | 23,400 |
| 2026-05-26 | $41.99 | 31,600 |
About Peoples Bancorp of North Carolina, Inc.
Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses in the North Carolina, United States. The company offers deposit products. It also originates commercial real estate loans, commercial loans, construction and land development loans, single-family residential mortgage loans, as well as agricultural loans. In addition, the company provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. Further, it operates as a clearinghouse for the provision of appraisal services for community banks; and acquires, manages, and disposes of real property, other collateral, and other assets obtained in the ordinary course of collecting debts. The company was founded in 1912 and is headquartered in Newton, North Carolina.
đ° Latest News
The Zacks Analyst Blog Highlights Merck, The Southern, Lumentum and Peoples Bancorp of North Carolina
Zacks âĸ 2026-06-11T15:25:00Z
Top Research Reports for Merck, Southern Company & Lumentum
Zacks âĸ 2026-06-10T20:23:00Z
Peoples Bancorp Stock Declines Post Q1 Earnings, NIM Rises
Zacks âĸ 2026-04-23T16:20:00Z
PEBK vs. MCBS: Which Regional Bank Stock Is the Better Buy Right Now?
Zacks âĸ 2026-04-22T14:44:00Z
The Zacks Analyst Blog Highlights Texas Instruments, Newmont, EOG Resources, Weyco and Peoples Bancorp of North Carolina
Zacks âĸ 2026-04-07T13:30:00Z
Top Analyst Reports for Texas Instruments, Newmont & EOG Resources
Zacks âĸ 2026-04-06T20:20:00Z
ServisFirst Bancshares Stock Scores RS Rating Upgrade
Investor's Business Daily âĸ 2026-02-18T17:42:09Z
We Ran A Stock Scan For Earnings Growth And Peoples Bancorp of North Carolina (NASDAQ:PEBK) Passed With Ease
Simply Wall St. âĸ 2026-02-07T12:54:21Z
Peoples Bancorp Stock Slips Post Q4 Earnings Despite Profit Growth
Zacks âĸ 2026-01-29T17:16:00Z
Peoples Bancorp Gains 25.6% in Six Months: How to Play the Stock?
Zacks âĸ 2026-01-23T16:59:00Z
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $74,414,000 | $71,140,000 | $68,635,000 | $67,394,000 |
| Operating Revenue | $74,414,000 | $71,140,000 | $68,635,000 | $67,394,000 |
| Expenses | ||||
| Interest Expense | $24,601,000 | $26,654,000 | $17,143,000 | $3,323,000 |
| Selling And Marketing Expense | $1,010,000 | $791,000 | $750,000 | $693,000 |
| General And Administrative Expense | $29,021,000 | $28,973,000 | $27,385,000 | $26,591,000 |
| Professional Expense And Contract Services Expense | $2,702,000 | $2,316,000 | $1,716,000 | $1,915,000 |
| Other Non Interest Expense | $8,954,000 | $9,730,000 | $9,517,000 | $8,295,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $19,830,000 | $16,353,000 | $15,546,000 | $16,123,000 |
| Net Interest Income | $59,017,000 | $54,079,000 | $54,719,000 | $51,108,000 |
| Interest Income | $83,618,000 | $80,733,000 | $71,862,000 | $54,431,000 |
| Normalized Income | $17,521,742 | $16,353,000 | $15,402,425 | $16,190,524 |
| Net Income From Continuing And Discontinued Operation | $19,830,000 | $16,353,000 | $15,546,000 | $16,123,000 |
| Net Income Common Stockholders | $19,830,000 | $16,353,000 | $15,546,000 | $16,123,000 |
| Net Income | $19,830,000 | $16,353,000 | $15,546,000 | $16,123,000 |
| Net Income Including Noncontrolling Interests | $19,830,000 | $16,353,000 | $15,546,000 | $16,123,000 |
| Net Income Continuous Operations | $19,830,000 | $16,353,000 | $15,546,000 | $16,123,000 |
| Pretax Income | $25,850,000 | $20,929,000 | $19,923,000 | $20,295,000 |
| Special Income Charges | $3,009,000 | $0 | $184,000 | $-85,000 |
| Per Share | ||||
| Diluted EPS | $3.62 | $2.98 | $2.77 | $2.85 |
| Basic EPS | $3.74 | $3.08 | $2.87 | $2.94 |
| Other | ||||
| Tax Effect Of Unusual Items | $700,742 | $0 | $40,425 | $-17,476 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $3,009,000 | $0 | $184,000 | $-85,000 |
| Total Unusual Items Excluding Goodwill | $3,009,000 | $0 | $184,000 | $-85,000 |
| Reconciled Depreciation | $2,739,000 | $2,890,000 | $3,126,000 | $6,031,000 |
| Diluted Average Shares | $5,477,901 | $5,487,584 | $5,612,274 | $5,657,193 |
| Basic Average Shares | $5,302,139 | $5,309,416 | $5,416,725 | $5,484,014 |
| Diluted NI Availto Com Stockholders | $19,830,000 | $16,353,000 | $15,546,000 | $16,123,000 |
| Tax Provision | $6,020,000 | $4,576,000 | $4,377,000 | $4,172,000 |
| Other Special Charges | $-3,009,000 | - | $-184,000 | $85,000 |
| Gain On Sale Of Security | $187,000 | $1,746,000 | $-758,000 | $1,342,000 |
| Selling General And Administration | $30,031,000 | $29,764,000 | $28,135,000 | $27,284,000 |
| Insurance And Claims | $776,000 | $764,000 | $745,000 | $461,000 |
| Salaries And Wages | $28,245,000 | $28,209,000 | $26,640,000 | $26,130,000 |
| Occupancy And Equipment | $8,948,000 | $8,686,000 | $7,962,000 | $8,048,000 |
| Other Gand A | - | - | - | $1,851,000 |
Fetched: 2026-06-21
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $157,118,000 | $130,563,000 | $121,016,000 | $105,195,000 |
| Total Assets | $1,702,148,000 | $1,651,962,000 | $1,635,910,000 | $1,620,927,000 |
| Cash And Cash Equivalents | $58,105,000 | $59,266,000 | $82,375,000 | $71,596,000 |
| Cash Financial | $27,721,000 | $30,919,000 | $32,819,000 | $50,061,000 |
| Cash Cash Equivalents And Federal Funds Sold | $58,105,000 | $59,266,000 | $82,375,000 | $71,596,000 |
| Receivables | - | - | - | $37,932,000 |
| Accounts Receivable | - | - | - | $37,932,000 |
| Debt | ||||
| Total Debt | $19,079,000 | $19,600,000 | $20,296,000 | $20,649,000 |
| Long Term Debt And Capital Lease Obligation | $19,079,000 | $19,600,000 | $20,296,000 | $20,649,000 |
| Long Term Debt | $15,464,000 | $15,464,000 | $15,464,000 | $15,464,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,545,030,000 | $1,521,399,000 | $1,514,894,000 | $1,515,732,000 |
| Payables And Accrued Expenses | - | - | - | $12,180,000 |
| Payables | - | - | - | $12,180,000 |
| Accounts Payable | - | - | - | $12,180,000 |
| Equity | ||||
| Common Stock Equity | $157,118,000 | $130,563,000 | $121,016,000 | $105,195,000 |
| Total Equity Gross Minority Interest | $157,118,000 | $130,563,000 | $121,016,000 | $105,195,000 |
| Stockholders Equity | $157,118,000 | $130,563,000 | $121,016,000 | $105,195,000 |
| Other Equity Interest | $1,510,000 | $1,757,000 | $1,910,000 | $2,181,000 |
| Gains Losses Not Affecting Retained Earnings | $-27,235,000 | $-39,157,000 | $-39,365,000 | $-47,597,000 |
| Other Equity Adjustments | $-27,235,000 | $-39,157,000 | $-39,365,000 | $-47,597,000 |
| Retained Earnings | $135,645,000 | $121,062,000 | $109,756,000 | $100,156,000 |
| Other | ||||
| Treasury Shares Number | $150,288 | $158,580 | $163,702 | - |
| Ordinary Shares Number | $5,309,153 | $5,299,066 | $5,370,797 | $5,636,830 |
| Share Issued | $5,459,441 | $5,457,646 | $5,534,499 | $5,636,830 |
| Tangible Book Value | $157,118,000 | $130,563,000 | $121,016,000 | $105,195,000 |
| Invested Capital | $172,582,000 | $146,027,000 | $136,480,000 | $120,659,000 |
| Capital Lease Obligations | $3,615,000 | $4,136,000 | $4,832,000 | $5,185,000 |
| Total Capitalization | $172,582,000 | $146,027,000 | $136,480,000 | $120,659,000 |
| Capital Stock | $47,198,000 | $46,901,000 | $48,715,000 | $50,455,000 |
| Common Stock | $47,198,000 | $46,901,000 | $48,715,000 | $50,455,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $3,615,000 | $4,136,000 | $4,832,000 | $5,185,000 |
| Investments And Advances | $379,958,000 | $390,731,000 | $394,798,000 | $448,050,000 |
| Available For Sale Securities | $163,103,000 | $2,728,000 | $2,874,000 | $2,656,000 |
| Net PPE | $17,639,000 | $18,860,000 | $21,433,000 | $23,321,000 |
| Accumulated Depreciation | $-31,657,000 | $-29,823,000 | $-27,864,000 | $-33,201,000 |
| Gross PPE | $49,296,000 | $48,683,000 | $49,297,000 | $56,522,000 |
| Construction In Progress | $0 | $103,000 | $532,000 | $3,028,000 |
| Other Properties | $3,477,000 | $4,013,000 | $4,731,000 | $5,116,000 |
| Machinery Furniture Equipment | $22,710,000 | $21,600,000 | $20,607,000 | $26,156,000 |
| Buildings And Improvements | $18,671,000 | $18,602,000 | $19,054,000 | $18,371,000 |
| Land And Improvements | $4,438,000 | $4,365,000 | $4,373,000 | $3,851,000 |
| Other Short Term Investments | $216,855,000 | $388,003,000 | $391,924,000 | $445,394,000 |
Fetched: 2026-06-21
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $19,960,000 | $19,971,000 | $20,832,000 | $18,053,000 |
| Operating Activities | ||||
| Operating Cash Flow | $21,373,000 | $20,558,000 | $22,780,000 | $22,616,000 |
| Cash Flow From Continuing Operating Activities | $21,373,000 | $20,558,000 | $22,780,000 | $22,616,000 |
| Operating Gains Losses | $-2,931,000 | $-5,000 | $2,304,000 | $85,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,413,000 | $-587,000 | $-1,948,000 | $-4,563,000 |
| Investing Cash Flow | $-41,831,000 | $-42,624,000 | $-753,000 | $-255,976,000 |
| Cash Flow From Continuing Investing Activities | $-41,831,000 | $-42,624,000 | $-753,000 | $-255,976,000 |
| Net Other Investing Changes | $429,000 | $919,000 | $-323,000 | $-40,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $0 | $-1,998,000 | $-1,997,000 | $-710,000 |
| Financing Cash Flow | $19,297,000 | $-1,043,000 | $-11,248,000 | $27,457,000 |
| Cash Flow From Continuing Financing Activities | $19,297,000 | $-1,043,000 | $-11,248,000 | $27,457,000 |
| Cash Dividends Paid | $-5,247,000 | $-5,047,000 | $-5,108,000 | $-4,935,000 |
| Common Stock Dividend Paid | $-5,247,000 | $-5,047,000 | $-5,108,000 | $-4,935,000 |
| Net Common Stock Issuance | $0 | $-1,998,000 | $-1,997,000 | $-710,000 |
| Net Other Financing Charges | - | $-20,000 | - | - |
| Other | ||||
| Repayment Of Debt | $-1,000 | $-1,000 | $-1,000 | $-1,000 |
| Issuance Of Debt | $1,000 | $1,000 | $1,000 | $1,000 |
| Interest Paid Supplemental Data | $24,656,000 | $28,079,000 | $16,487,000 | $3,284,000 |
| Income Tax Paid Supplemental Data | $4,863,000 | $4,538,000 | $4,448,000 | $4,659,000 |
| End Cash Position | $58,105,000 | $59,266,000 | $82,375,000 | $71,596,000 |
| Beginning Cash Position | $59,266,000 | $82,375,000 | $71,596,000 | $277,499,000 |
| Changes In Cash | $-1,161,000 | $-23,109,000 | $10,779,000 | $-205,903,000 |
| Proceeds From Stock Option Exercised | $50,000 | $51,000 | $0 | $41,000 |
| Common Stock Payments | $0 | $-1,998,000 | $-1,997,000 | $-710,000 |
| Net Issuance Payments Of Debt | $0 | $0 | $0 | $0 |
| Net Long Term Debt Issuance | $0 | $0 | $0 | $0 |
| Long Term Debt Payments | $-1,000 | $-1,000 | $-1,000 | $-1,000 |
| Long Term Debt Issuance | $1,000 | $1,000 | $1,000 | $1,000 |
| Net Investment Purchase And Sale | $25,560,000 | $3,543,000 | $60,823,000 | $-103,301,000 |
| Sale Of Investment | $43,759,000 | $32,595,000 | $70,438,000 | $46,437,000 |
| Purchase Of Investment | $-18,199,000 | $-29,052,000 | $-9,615,000 | $-149,738,000 |
| Net PPE Purchase And Sale | $-1,031,000 | $-587,000 | $-488,000 | $-4,563,000 |
| Sale Of PPE | $382,000 | $0 | $1,460,000 | $0 |
| Purchase Of PPE | $-1,413,000 | $-587,000 | $-1,948,000 | $-4,563,000 |
| Change In Working Capital | $488,000 | $1,120,000 | $979,000 | $-4,229,000 |
| Change In Other Current Liabilities | $-532,000 | $1,018,000 | $1,688,000 | $131,000 |
| Change In Other Current Assets | $1,541,000 | $798,000 | $445,000 | $-2,284,000 |
| Other Non Cash Items | $-384,000 | $-1,151,000 | $-475,000 | $3,426,000 |
| Stock Based Compensation | $190,000 | $212,000 | $187,000 | $249,000 |
| Asset Impairment Charge | $71,000 | $393,000 | $0 | $0 |
| Deferred Tax | $432,000 | $1,031,000 | $-453,000 | $-541,000 |
| Deferred Income Tax | $432,000 | $1,031,000 | $-453,000 | $-541,000 |
| Depreciation Amortization Depletion | $2,739,000 | $2,890,000 | $3,126,000 | $6,031,000 |
| Depreciation And Amortization | $2,739,000 | $2,890,000 | $3,126,000 | $6,031,000 |
| Gain Loss On Investment Securities | $78,000 | $-5,000 | $2,488,000 | $0 |
| Gain Loss On Sale Of PPE | $-3,009,000 | $0 | $-184,000 | $85,000 |
| Net Income From Continuing Operations | $19,830,000 | $16,353,000 | $15,546,000 | $16,123,000 |
| Change In Other Working Capital | - | $-470,000 | $-431,000 | $-403,000 |
| Depreciation | - | $2,890,000 | $3,126,000 | $6,031,000 |
Fetched: 2026-06-21