PEBKNasdaqState Commercial BanksFiscal year ends December 31
PEOPLES BANCORP OF NORTH CAROLINA INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 4, 2026
$43.88−0.44 (-0.98%)
Close on Oct 19, 2026
- Market cap
- $240.30M
- P/E (TTM)
- 12.1
- Dividend yield
- 2.19%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
22.0%+5.1 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +10.0% | – | +6.1% | +6.4% | |
| Net income | +21.3% | +7.1% | +11.8% | +7.5% | |
| EPS, diluted | +21.5% | +8.3% | +13.2% | +8.8% | |
| Free cash flow | -0.1% | +3.4% | +24.5% | +5.7% | |
| Dividend per share | +4.3% | +3.3% | +5.1% | +14.4% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 8.6% | 8.3% | 13.8% | |
| Return on assets | 0.9% | 0.9% | 1.2% | |
| Capex to revenue | 3.1% | 3.7% | 1.6% | |
| Diluted shares | 6M | 6M | 5M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Peoples Bancorp Of North Carolina generated $114.23M from operations and spent $41.44M on capital expenditure, dividends and share buybacks. 22% of that went back into the business.
Generated
$114.23M
Used
$41.44M
Capital expenditure$9.00M22%Dividends$24.13M58%Share buybacks$8.31M20%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin22.0%
×Asset turnover0.05×
×Equity multiplier11.66×
=Return on equity, FY202513.8%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 22.0% | 0.05× | 11.66× | 13.8% |
| FY2024 | 20.0% | 0.05× | 13.07× | 13.0% |
| FY2021 | 22.0% | 0.05× | 10.77× | 10.7% |
| FY2020 | 16.9% | 0.05× | 9.38× | 8.3% |
| FY2019 | 22.1% | 0.06× | 8.72× | 10.9% |
| FY2018 | 22.5% | 0.05× | 9.12× | 11.2% |
| FY2017 | 18.7% | 0.05× | 9.76× | 9.2% |
| FY2016 | 17.4% | 0.05× | 10.02× | 8.6% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$19.83M
- Cash generatingOperating cash flow above zero$21.37M
- Return on assets improvedROA up on the prior year1.0% → 1.2%
- Earnings backed by cashOperating cash flow above net income$21.37M vs $19.83M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise5M → 5M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.05 → 0.05