PEBK Q1 2026 Earnings Report — Peoples Bancorp of North Carolina, Inc. Revenue & Financial Results | Market Cap Arena

Peoples Bancorp of North Carolina, Inc.PEBK

Q1 2026 Earnings

Reported April 20, 2026NEW

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Metric	Q1 2026	Q4 2025	Q1 2025	QoQ Change	YoY Change
Revenue	$27M	$31M	$24M	-12.2%	14.7%
Op. Income	$6M	$9M	$6M	-35.5%	0.3%
Gross Margin	76.8%	79.1%	73.6%	-2.2pp	3.2pp
Net Margin	16.1%	21.3%	18.2%	-5.2pp	-2.1pp
EPS (Diluted)	$0.80	$0.54	$0.79	48.1%	1.3%

Revenue Flow

Item	Amount
REVENUE	$27M
Cost of Revenue	$6M
GROSS PROFIT	$21M
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$10M
SG&A Expenses	$10M
Other Expenses	$6M
Operating Expenses	$15M
Cost & Expenses	$22M
OPERATING INCOME	$6M
Interest Income	$21M
Interest Expense	$6M
Other Income/Expenses	$0
INCOME BEFORE TAX	$6M
Income Tax Expense	$1M
Net Income from Continuing Ops	$4M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$4M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$4M
D&A	$0
EBIT	$6M
EBITDA	$6M
EPS	$1
EPS Diluted	$1

Income Statement

Item	Amount
REVENUE	$27M
Cost of Revenue	$6M
GROSS PROFIT	$21M
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$10M
SG&A Expenses	$10M
Other Expenses	$6M
Operating Expenses	$15M
Cost & Expenses	$22M
OPERATING INCOME	$6M
Interest Income	$21M
Interest Expense	$6M
Other Income/Expenses	$0
INCOME BEFORE TAX	$6M
Income Tax Expense	$1M
Net Income from Continuing Ops	$4M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$4M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$4M
D&A	$0
EBIT	$6M
EBITDA	$6M
EPS	$1
EPS Diluted	$1

Balance Sheet

Item	Amount
Cash & Equivalents	$32M
Short-Term Investments	$370M
Net Receivables	$0
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$402M
PP&E (Net)	$14M
Goodwill	$0
Intangible Assets	$0
Long-Term Investments	$1.6B
Tax Assets	$0
Other Non-Current Assets	-$1.6B
TOTAL NON-CURRENT ASSETS	$14M
TOTAL ASSETS	$1.7B
Account Payables	$0
Short-Term Debt	$0
Deferred Revenue	$0
Other Current Liabilities	$0
TOTAL CURRENT LIABILITIES	$0
Long-Term Debt	$15M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$1.6B
TOTAL NON-CURRENT LIABILITIES	$1.6B
TOTAL LIABILITIES	$1.6B
Common Stock	$47M
Additional Paid-In Capital	$0
Retained Earnings	$138M
Treasury Stock	$0
Accum. Other Comp. Income	-$29M
Other Equity	$2M
TOTAL STOCKHOLDERS' EQUITY	$158M
Minority Interest	$0
TOTAL EQUITY	$158M
TOTAL LIABILITIES & EQUITY	$1.7B
Total Debt	$15M
Net Debt	-$16M