PEBK

MKT CAP:$213M

Peoples Bancorp of North Carolina, Inc.

Market Cap

$213M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$39.71+$4.00 (+11.20%)

Apr 24, 2026

Company Details

Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various commercial and consumer banking products and services to individuals and small to medium-sized businesses. It offers checkin...

CEO

William D. Cable

IPO Date

Oct 16, 1985

Website

www.peoplesbanknc.com

Key Metrics TTM

Revenue

$108M

+10.6% YoY

Net Income

$20M

EPS (Diluted)

$2.95

Free Cash Flow

$20M

Revenue / Share

$19.72

Gross Margin

76.4%

Operating Margin

23.9%

Net Margin

18.3%

FCF Margin

18.4%

P/S

2.0x

P/E

10.7x

Earnings Reports

Q1 2026

Apr 20, 2026

NEW

$27M+14.7%EPS $0.80

FY 2025

Mar 11, 2026

$115M+17.2%EPS $2.94

Q4 2025

Mar 11, 2026

$31M+26.0%EPS $0.54

Q3 2025

Nov 4, 2025

$25M+0.3%EPS $0.67

Q2 2025

Aug 5, 2025

$25M+1.6%EPS $0.94

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$16M	$15M	$4M
Q3 22	$19M	$18M	$7M
Q4 22	$20M	$18M	$5M
Q1 23	$18M	$16M	$4M
Q2 23	$22M	$17M	$6M
Q3 23	$23M	$17M	$5M
Q4 23	$23M	$17M	$4M
Q1 24	$24M	$17M	$5M
Q2 24	$25M	$18M	$6M
Q3 24	$25M	$18M	$5M
Q4 24	$25M	$18M	$5M
Q1 25	$24M	$18M	$6M
Q2 25	$25M	$19M	$7M
Q3 25	$25M	$18M	$5M
Q4 25	$31M	$25M	$9M
Q1 26	$27M	$21M	$6M

Valuation

Quarter	P/S	P/E
Q2 22	2.4x	11.5x
Q3 22	2.2x	9.5x
Q4 22	2.5x	11.0x
Q1 23	2.3x	10.8x
Q2 23	1.3x	5.8x
Q3 23	1.5x	7.5x
Q4 23	1.9x	10.2x
Q1 24	1.6x	9.1x
Q2 24	1.6x	9.2x
Q3 24	1.4x	8.3x
Q4 24	1.7x	10.2x
Q1 25	1.5x	8.6x
Q2 25	1.6x	9.0x
Q3 25	1.7x	9.9x
Q4 25	1.9x	9.8x
Q1 26	3.0x	16.2x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$7M	$7M
Q2 22	$2M	$768.0K
Q3 22	$8M	$5M
Q4 22	$5M	$5M
Q1 23	$8M	$7M
Q2 23	$5M	$4M
Q3 23	$4M	$4M
Q4 23	$6M	$5M
Q1 24	$4M	$4M
Q2 24	$7M	$7M
Q3 24	$5M	$5M
Q4 24	$5M	$5M
Q1 25	$6M	$5M
Q2 25	$5M	$5M
Q3 25	$5M	$4M
Q4 25	$5M	$5M

Capital Expenditures

Quarter	CapEx
Q1 22	$151.0K
Q2 22	$940.0K
Q3 22	$3M
Q4 22	$367.0K
Q1 23	$566.0K
Q2 23	$387.0K
Q3 23	$569.0K
Q4 23	$426.0K
Q1 24	$128.0K
Q2 24	$87.0K
Q3 24	$212.0K
Q4 24	$160.0K
Q1 25	$763.0K
Q2 25	$102.0K
Q3 25	$314.0K
Q4 25	$234.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	-2.5%	+12.6%
Q3 22	+21.5%	+7.5%
Q4 22	+31.1%	+28.1%
Q1 23	+20.6%	+31.2%
Q2 23	+33.4%	+26.8%
Q3 23	+18.3%	+39.9%
Q4 23	+14.9%	+25.6%
Q1 24	+27.8%	+30.6%
Q2 24	+13.7%	+18.6%
Q3 24	+10.2%	+13.1%
Q4 24	+7.0%	+7.7%
Q1 25	+0.9%	-3.6%
Q2 25	+1.6%	-0.0%
Q3 25	+0.3%	+3.2%
Q4 25	+26.0%	+11.2%
Q1 26	+14.7%	+19.1%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	-$56.0K	-0.4%
Q2 22	-$27.0K	-0.2%
Q3 22	-$12.0K	-0.1%
Q4 22	$344.0K	1.7%
Q1 23	-$49.0K	-0.3%
Q2 23	$127.0K	0.6%
Q3 23	-$85.0K	-0.4%
Q4 23	$194.0K	0.8%
Q1 24	$6.0K	0.0%
Q2 24	$86.0K	0.3%
Q3 24	-$8.0K	-0.0%
Q4 24	$128.0K	0.5%
Q1 25	-$27.0K	-0.1%
Q2 25	$53.0K	0.2%
Q3 25	$53.0K	0.2%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$7M	$169.0K
Q3 22	$6M	$175.0K
Q4 22	$8M	$184.0K
Q1 23	$7M	$189.0K
Q2 23	$7M	$156.0K
Q3 23	$7M	$217.0K
Q4 23	$7M	$188.0K
Q1 24	$7M	$199.0K
Q2 24	$7M	$95.0K
Q3 24	$7M	$188.0K
Q4 24	$8M	$226.0K
Q1 25	$7M	$253.0K
Q2 25	$7M	$245.0K
Q3 25	$7M	$266.0K
Q4 25	$7M	$246.0K
Q1 26	$10M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$224M	$427M	$651M
Q3 22	$155M	$444M	$600M
Q4 22	$72M	$445M	$517M
Q1 23	$83M	$399M	$482M
Q2 23	$89M	$394M	$483M
Q3 23	$77M	$379M	$455M
Q4 23	$82M	$392M	$474M
Q1 24	$98M	$395M	$493M
Q2 24	$83M	$393M	$476M
Q3 24	$73M	$399M	$472M
Q4 24	$59M	$234M	$293M
Q1 25	$103M	$374M	$477M
Q2 25	$102M	$372M	$474M
Q3 25	$117M	$377M	$494M
Q4 25	$28M	$217M	$245M
Q1 26	$32M	$370M	$402M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	6M	-0.2%	-2.4%
Q3 22	6M	-0.1%	-1.1%
Q4 22	6M	-1.0%	-1.2%
Q1 23	6M	+0.9%	-0.3%
Q2 23	6M	-0.4%	-0.5%
Q3 23	6M	-0.8%	-1.3%
Q4 23	6M	-0.7%	-1.0%
Q1 24	6M	-0.8%	-2.7%
Q2 24	5M	-0.5%	-2.8%
Q3 24	5M	+0.1%	-1.9%
Q4 24	5M	-0.1%	-1.3%
Q1 25	5M	+0.1%	-0.4%
Q2 25	5M	-0.2%	-0.1%
Q3 25	5M	+0.0%	-0.2%
Q4 25	8M	+46.7%	+46.6%
Q1 26	5M	-31.5%	+0.3%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$56.6K	287
Q3 22	$66.3K	287
Q4 22	$72.1K	279
Q1 23	$66.3K	279
Q2 23	$77.7K	279
Q3 23	$80.7K	279
Q4 23	$83.4K	277
Q1 24	$85.3K	277
Q2 24	$89.0K	277
Q3 24	$89.5K	277
Q4 24	$88.0K	281
Q1 25	$84.9K	281
Q2 25	$89.1K	281
Q3 25	$88.5K	281
Q4 25	$116.2K	268
Q1 26	$102.0K	268

Revenue / Employee