PEBK FY 2025 Earnings Report — Peoples Bancorp of North Carolina, Inc. Revenue & Financial Results | Market Cap Arena

Peoples Bancorp of North Carolina, Inc.PEBK

FY 2025 Earnings

Reported March 11, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$115M	—	$98M	—	17.2%
Op. Income	$26M	—	$21M	—	23.5%
Gross Margin	77.7%	—	73.0%	—	4.7pp
Net Margin	17.3%	—	16.7%	—	0.6pp
EPS (Diluted)	$2.94	—	$2.98	—	-1.3%
Free Cash Flow	$20M	—	$20M	—	-0.1%

Revenue Flow

Item	Amount
REVENUE	$115M
Cost of Revenue	$26M
GROSS PROFIT	$89M
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$37M
SG&A Expenses	$37M
Other Expenses	$26M
Operating Expenses	$63M
Cost & Expenses	$89M
OPERATING INCOME	$26M
Interest Income	$84M
Interest Expense	$25M
Other Income/Expenses	$0
INCOME BEFORE TAX	$26M
Income Tax Expense	$6M
Net Income from Continuing Ops	$20M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$20M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$20M
D&A	$0
EBIT	$26M
EBITDA	$26M
EPS	$3
EPS Diluted	$3

Income Statement

Item	Amount
REVENUE	$115M
Cost of Revenue	$26M
GROSS PROFIT	$89M
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$37M
SG&A Expenses	$37M
Other Expenses	$26M
Operating Expenses	$63M
Cost & Expenses	$89M
OPERATING INCOME	$26M
Interest Income	$84M
Interest Expense	$25M
Other Income/Expenses	$0
INCOME BEFORE TAX	$26M
Income Tax Expense	$6M
Net Income from Continuing Ops	$20M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$20M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$20M
D&A	$0
EBIT	$26M
EBITDA	$26M
EPS	$3
EPS Diluted	$3

Cash Flow Statement

Item	Amount
Net Income	$20M
Depreciation & Amortization	$0
Stock-Based Compensation	$0
Deferred Income Tax	$0
Other Non-Cash Items	$1M
Change in Working Capital	$488.0K
OPERATING CASH FLOW	$21M
Capital Expenditure	-$1M
Acquisitions (Net)	$0
Purchases of Investments	-$18M
Sales/Maturities of Investments	$44M
Other Investing Activities	-$66M
NET CASH FROM INVESTING	-$42M
Net Debt Issuance	$0
Common Stock Repurchased	$0
Common Dividends Paid	-$5M
Other Financing Activities	$24M
NET CASH FROM FINANCING	$19M
FREE CASH FLOW	$20M
Net Change in Cash	-$1M

Balance Sheet

Item	Amount
Cash & Equivalents	$28M
Short-Term Investments	$217M
Net Receivables	$0
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$405M
PP&E (Net)	$14M
Goodwill	$0
Intangible Assets	$0
Long-Term Investments	$1.4B
Tax Assets	$0
Other Non-Current Assets	-$1.4B
TOTAL NON-CURRENT ASSETS	$14M
TOTAL ASSETS	$1.7B
Account Payables	$0
Short-Term Debt	$750.0K
Deferred Revenue	$0
Other Current Liabilities	$394M
TOTAL CURRENT LIABILITIES	$395M
Long-Term Debt	$15M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$1.1B
TOTAL NON-CURRENT LIABILITIES	$1.2B
TOTAL LIABILITIES	$1.5B
Common Stock	$49M
Additional Paid-In Capital	$0
Retained Earnings	$136M
Treasury Stock	-$2M
Accum. Other Comp. Income	-$26M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$157M
Minority Interest	$0
TOTAL EQUITY	$157M
TOTAL LIABILITIES & EQUITY	$1.7B
Total Debt	$19M
Net Debt	-$9M