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PEOPLES BANCORP OF NORTH CAROLINA INC

PEBK Clue Score53
United States Fiscal year ends December CIK 0001093672
$43.78 -1.06% Close, 9 Oct 2026
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Price $43.78 +54.86% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income9.2EPS, diluted1.50Fiscal year 2017Net income10.3 +11.9%EPS, diluted1.69 +12.7%Fiscal year 2018Net income13.4 +30.3%EPS, diluted2.22 +31.4%Fiscal year 2019Net income14.1 +5.1%EPS, diluted2.36 +6.3%Fiscal year 2020Net income11.4 −19.3%EPS, diluted1.95 −17.4%Fiscal year 2021Net income15.1 +33.2%EPS, diluted2.63 +34.9%Fiscal year 2022Net income16.1 +6.5%EPS, diluted2.85 +8.4%Fiscal year 2023Net income15.5 −3.6%EPS, diluted2.77 −2.8%Fiscal year 2024Net income16.4 +5.2%EPS, diluted2.98 +7.6%Fiscal year 2025Net income19.8 +21.3%EPS, diluted3.62 +21.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 9.2 10.3 13.4 14.1 11.4 15.1 16.1 15.5 16.4 19.8
Growth +11.9% +30.3% +5.1% −19.3% +33.2% +6.5% −3.6% +5.2% +21.3%
EPS, diluted 1.50 1.69 2.22 2.36 1.95 2.63 2.85 2.77 2.98 3.62
Growth +12.7% +31.4% +6.3% −17.4% +34.9% +8.4% −2.8% +7.6% +21.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow12.2Capital expenditure−1.6Free cash flow10.6Dividends paid−2.1Fiscal year 2017Operating cash flow18.6Capital expenditure−5.6Free cash flow13.0 +22.7%Dividends paid−2.6Fiscal year 2018Operating cash flow17.2Capital expenditure−1.7Free cash flow15.4 +18.5%Dividends paid−3.1Fiscal year 2019Operating cash flow13.2Capital expenditure−2.8Free cash flow10.4 −32.9%Dividends paid−3.9Fiscal year 2020Operating cash flow9.2Capital expenditure−2.5Free cash flow6.7 −35.6%Buybacks−3.0Dividends paid−4.4Fiscal year 2021Operating cash flow26.9Capital expenditure−0.5Free cash flow26.4 +296.0%Buybacks−3.6Dividends paid−3.8Fiscal year 2022Operating cash flow22.6Capital expenditure−4.6Free cash flow18.1 −31.7%Buybacks−0.7Dividends paid−4.9Fiscal year 2023Operating cash flow22.8Capital expenditure−1.9Free cash flow20.8 +15.4%Buybacks−2.0Dividends paid−5.1Fiscal year 2024Operating cash flow20.6Capital expenditure−0.6Free cash flow20.0 −4.1%Buybacks−2.0Dividends paid−5.0Fiscal year 2025Operating cash flow21.4Capital expenditure−1.4Free cash flow20.0 −0.1%Buybacks0.0Dividends paid−5.2
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 12.2 18.6 17.2 13.2 9.2 26.9 22.6 22.8 20.6 21.4
Capital expenditure −1.6 −5.6 −1.7 −2.8 −2.5 −0.5 −4.6 −1.9 −0.6 −1.4
Free cash flow 10.6 13.0 15.4 10.4 6.7 26.4 18.1 20.8 20.0 20.0
Growth +22.7% +18.5% −32.9% −35.6% +296.0% −31.7% +15.4% −4.1% −0.1%
Buybacks n/a n/a n/a n/a −3.0 −3.6 −0.7 −2.0 −2.0 0.0
Dividends paid −2.1 −2.6 −3.1 −3.9 −4.4 −3.8 −4.9 −5.1 −5.0 −5.2

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash70.1Shareholders’ equity107.4Fiscal year 2017Cash57.3Shareholders’ equity116.0Fiscal year 2018Cash43.4Shareholders’ equity123.6Fiscal year 2019Cash52.4Shareholders’ equity134.1Fiscal year 2020Cash161.6Shareholders’ equity139.9Fiscal year 2021Cash277.5Shareholders’ equity142.4Fiscal year 2022Cash71.6Shareholders’ equity105.2Fiscal year 2023Cash82.4Shareholders’ equity121.0Fiscal year 2024Cash59.3Shareholders’ equity130.6Fiscal year 2025Cash58.1Shareholders’ equity157.1
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 70.1 57.3 43.4 52.4 161.6 277.5 71.6 82.4 59.3 58.1
Shareholders’ equity 107.4 116.0 123.6 134.1 139.9 142.4 105.2 121.0 130.6 157.1

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
21.8% 27.8% 16.4% 18.2% 18.0% 20.1% 20.6% 22.0% 21.9% 23.3%
Returns
8.5% 8.9% 10.8% 10.5% 8.1% 10.6% 15.3% 12.8% 12.5% 12.6%
0.8% 0.9% 1.2% 1.2% 0.8% 0.9% 1.0% 1.0% 1.0% 1.2%
Balance and payout
90.1% 89.4% 88.7% 88.4% 90.1% 91.2% 93.5% 92.6% 92.1% 90.8%
22.9% 25.6% 23.4% 28.0% 38.7% 25.1% 30.6% 32.9% 30.9% 26.5%
19.8% 20.2% 20.3% 38.0% 110.8% 28.0% 31.3% 34.1% 35.3% 26.3%