PEOPLES BANCORP OF NORTH CAROLINA INC

PEBK

PEOPLES BANCORP OF NORTH CAROLINA INC

PEBK

Insider Sentiment (TTM):

Last Purchase:2023-06-09Last Sale:2026-06-01Shares Purchased (TTM):0Shares Sold (TTM):11,148

Institutional Sentiment:

As of:2013-09-30Institutional Shares Owned:600Shares Outstanding:5,613,495Institutional Ownership Pct.:0.01%

Earnings Market Reaction:

Filing Date:2026-08-04Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in State Commercial Banks

FFIC TYFG BNY FITB STT MTB

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	33	32	28	29	33	32	31	36	32	26	33	36
Interest Bearing Deposits In Banks	27	29	30	88	69	70	28	37	51	72	50	41
Cash And Cash Equivalents At Carrying Value	61	61	58	117	102	103	59	73	83	98	82	77
Debt Securities	-	-	-	377	372	374	388	399	-	-	392	-
Other Investments	3	3	3	3	3	3	3	3	3	3	3	3
Marketable Securities	-	-	-	-	-	-	-	-	396	398	395	382
Investments	367	373	380	379	374	377	391	401	-	-	395	-
Mortgages Held For Sale Fair Value Disclosure	2	2	1	1	2	1	1	1	1	1	1	2
Financing Receivable Allowance For Credit Losses	-	-10	-10	-	-	-	-10	-	-10	11	-11	-10
Loans Receivable Held For Sale Amount	1,269	1,233	1,194	1,173	1,148	1,142	1,128	1,114	1,101	1,096	1,082	1,068
Property Plant And Equipment Net	14	14	14	14	15	15	15	15	16	16	17	17
Cash Surrender Value Of Life Insurance	18	18	18	18	18	18	18	18	18	18	18	18
Other Real Estate	-	-	0	0	0	0	0	-	-	-	0	-
Operating Lease Right Of Use Asset	3	3	3	4	4	4	4	4	4	5	5	5
Interest Receivable And Other Assets	31	31	33	31	32	34	35	35	36	38	36	40
Assets	1,765	1,734	1,702	1,738	1,694	1,693	1,652	1,662	1,655	1,670	1,636	1,607
Liabilities And Stockhold…
Noninterest Bearing Deposit Liabilities	409	408	395	411	407	413	402	409	416	463	433	445
Deposits
Deposits	1,567	1,541	1,509	1,553	1,514	1,518	1,485	1,480	1,476	1,452	1,392	1,381
Interest Bearing Deposit Liabilities	851	807	761	780	754	756	741	728	710	634	620	633
Time Deposits	131	143	160	-	-	-	147	-	-	-	149	0
Time Deposits Less Than100000	-	-	-	-	-	-	-	-	-	-	190	165
Securities Sold Under Agreements To Repurchase	-	-	-	-	-	-	0	8	19	59	87	83
Subordinated Debt	15	15	15	15	15	15	15	15	15	15	15	15
Lease Deposit Liability	-	-	-	4	4	4	4	4	4	5	5	5
Operating Lease Liability	3	3	4	-	-	-	4	-	-	-	-	-
Accrued Liabilities And Other Liabilities	18	17	17	17	17	17	17	17	16	17	16	16
Liabilities	1,604	1,576	1,545	1,589	1,550	1,554	1,521	1,525	1,531	1,548	1,515	1,500
Other Commitments
Commitments And Contingen…
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	49	49	49	49	49	49	49	49	49	49	51	51
Stockholders Equity
Stockholders Equity	161	158	157	149	144	139	131	136	124	121	121	107
Common Stock Issued Employee Trust Deferred	-	-	-	-2	-2	-2	-2	-2	2	-	-2	-
Deferred Compensation Equity	1	2	2	-	2	2	2	-2	2	-	2	-
Retained Earnings Accumulated Deficit	142	138	136	130	128	123	121	119	116	112	110	107
Accumulated Other Comprehensive Income Loss Net Of…	-29	-29	-27	-29	-32	-34	-39	-31	-40	-39	-39	-51
Liabilities And Stockholders Equity	1,765	1,734	1,702	1,738	1,694	1,693	1,652	1,662	1,655	1,670	1,636	1,607
Assets
Preferred Stock Par Or Stated Value Per Share	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Authorized	5	5	5	5	5	5	5	5	5	5	5	5
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock No Par Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	20	20	20	20	20	20	20	20	20	20	20	20
Common Stock Shares Issued	5	5	5	5	5	5	5	5	5	5	6	6
Shares Outstanding	5	5	5	5	5	5	5	5	5	5	6	6
Common Stock Shares Held In Employee Trust Shares	0	0	0	0	0	0	0	0	0	-	0	-

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	2.23%	4.97%	4.99%	-	-	-	-	-	-	-	-	-
2025	-1.11%	5.21%	5.90%	13.43%	12.35%	13.65%	12.85%	28.40%	25.87%	6.24%	7.63%	12.78%
2024	-3.55%	-7.16%	2.35%	-0.51%	-12.21%	-12.62%	23.97%	23.23%	11.27%	-5.45%	7.69%	2.80%
2023	-	-	-	5.75%	7.46%	5.01%	9.85%	24.63%	20.04%	0.98%	5.11%	8.38%
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Performance and Valuation Metrics

Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	2.09	2.06	2.05	1.87	1.87	1.83	1.79	1.80	1.86	1.97	2.16	2.67
Per Share Metrics
Diluted EPS TTM	3.64	3.63	3.62	3.06	3.11	3.06	2.97	2.96	3.00	2.97	2.77	2.91
Free Cash Flow Per Share TTM	3.77	3.65	3.76	3.78	3.84	4.07	3.75	3.79	3.59	3.18	3.84	3.80
Dividend Per Share TTM	1.02	1.01	0.99	0.98	0.97	0.96	0.95	0.96	0.96	0.96	0.94	0.94
Margin Metrics
Gross Profit Margin TTM	72.13%	71.19%	70.58%	69.68%	68.55%	67.64%	66.98%	67.34%	68.95%	71.70%	76.14%	82.00%
Operating Profit Margin TTM	30.39%	30.60%	30.91%	26.28%	27.24%	26.98%	25.92%	26.12%	26.80%	27.56%	27.72%	29.98%
Net Profit Margin TTM	23.39%	23.52%	23.71%	20.31%	20.87%	20.71%	20.26%	20.42%	21.21%	21.80%	21.63%	23.49%
Growth Metrics
Net Revenue Growth (1Y)	4.64%	4.49%	3.57%	3.75%	5.43%	8.04%	12.34%	14.88%	18.06%	24.99%	32.02%	40.51%
Net Income Growth (1Y)	17.24%	18.70%	21.26%	3.22%	3.78%	2.62%	5.19%	-0.13%	-5.92%	3.02%	-3.58%	8.48%
EPS Growth (1Y)	16.86%	18.45%	21.57%	2.96%	3.54%	3.00%	7.29%	1.88%	-3.06%	6.06%	-2.60%	9.92%
Valuation Metrics
P/E TTM	11.49	10.41	9.54	9.51	8.74	8.32	9.69	7.85	8.86	8.49	9.97	6.70
P/B TTM	1.42	1.31	1.20	1.07	1.03	1.01	1.21	0.93	1.17	1.14	1.28	1.01
P/S TTM	2.69	2.45	2.26	1.93	1.83	1.72	1.96	1.60	1.88	1.85	2.16	1.57
Market Cap	229.26M	206.92M	189.17M	159.34M	148.82M	139.39M	158.39M	127.37M	145.40M	138.53M	154.96M	108.95M
Enterprise Value	168.38M	145.67M	131.07M	42.32M	46.82M	36.87M	99.12M	54.21M	62.56M	40.43M	72.58M	32.33M
Calculated Values
Free Cash Flow TTM	20.05M	19.38M	19.96M	20.08M	20.39M	21.59M	19.97M	20.09M	19.02M	16.90M	20.83M	20.52M
Net Debt	-60.88M	-61.26M	-58.11M	-117.02M	-102.00M	-102.52M	-59.27M	-73.16M	-82.84M	-98.10M	-82.38M	-76.62M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-01Sale

Owner: Abernethy, James S

Title: -

Shares: 500

Price/Share: $42.10

Value: $21,050.00

Shares Owned: 35,900

Relationship: Director

Ownership: Indirect

2026-06-01Sale

Owner: Abernethy, Robert C. Jr

Title: -

Shares: 1,200

Price/Share: $41.61

Value: $49,932.00

Shares Owned: 55,058

Relationship: Director

Ownership: Direct

2026-05-26Sale

Owner: Abernethy, Ashton V.

Title: -

Shares: 950

Price/Share: $42.26

Value: $40,147.00

Shares Owned: 43,838

Relationship: Director

Ownership: Direct

2026-05-14Sale

Owner: Abernethy, James S

Title: -

Shares: 600

Price/Share: $40.20

Value: $24,120.00

Shares Owned: 68,626

Relationship: Director

Ownership: Direct

2026-04-30Sale

Owner: Abernethy, James S

Title: -

Shares: 600

Price/Share: $39.35

Value: $23,610.00

Shares Owned: 69,226

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-01	Abernethy, James S	Director	-	Indirect	Sale	500	42.10	$21,050.00	35,900	4
2026-06-01	Abernethy, Robert C. Jr	Director	-	Direct	Sale	1,200	41.61	$49,932.00	55,058	4
2026-05-26	Abernethy, Ashton V.	Director	-	Direct	Sale	950	42.26	$40,147.00	43,838	4
2026-05-14	Abernethy, James S	Director	-	Direct	Sale	600	40.20	$24,120.00	68,626	4
2026-04-30	Abernethy, James S	Director	-	Direct	Sale	600	39.35	$23,610.00	69,226	4
2026-04-24	Abernethy, James S	Director	-	Direct	Sale	600	39.50	$23,700.00	69,826	4
2026-03-03	Abernethy, James S	Director	-	Direct	Sale	477	37.60	$17,935.20	70,426	4
2026-02-27	Abernethy, James S	Director	-	Direct	Sale	523	38.91	$20,349.93	71,403	4
2026-02-24	Abernethy, James S	Director	-	Direct	Sale	600	38.16	$22,896.00	71,926	4
2026-02-09	Abernethy, James S	Director	-	Direct	Sale	1,000	38.34	$38,340.00	72,526	4
2026-02-04	Abernethy, James S	Director	-	Indirect	Sale	600	37.27	$22,362.00	37,000	4
2025-12-02	Abernethy, James S	Director	-	Direct	Sale	300	32.35	$9,705.00	66,926	4
2025-11-26	Abernethy, James S	Director	-	Indirect	Sale	598	32.03	$19,153.94	37,600	4
2025-11-03	Abernethy, James S	Director	-	Direct	Sale	800	29.05	$23,240.00	67,226	4
2025-10-28	Abernethy, James S	Director	-	Indirect	Sale	600	30.95	$18,570.00	38,200	4
2025-09-03	Abernethy, James S	Director	-	Indirect	Sale	600	31.01	$18,606.00	38,800	4
2025-08-25	Abernethy, James S	Director	-	Direct	Sale	600	31.15	$18,690.00	68,026	4
2025-08-04	Abernethy, James S	Director	-	Direct	Sale	600	28.01	$16,806.00	71,676	4
2025-07-31	Abernethy, James S	Director	-	Indirect	Sale	600	28.58	$17,148.00	38,800	4
2025-05-23	Abernethy, James S	Director	-	Direct	Sale	500	29.25	$14,625.00	72,276	4
2025-05-12	Abernethy, James S	Director	-	Indirect	Sale	500	29.15	$14,575.00	39,400	4
2025-03-28	Abernethy, James S	Director	-	Direct	Sale	500	28.12	$14,060.00	72,776	4
2024-12-05	Abernethy, James S	Director	-	Direct	Sale	500	31.90	$15,950.00	73,476	4
2024-11-22	Abernethy, James S	Director	-	Direct	Sale	1,000	30.02	$30,020.00	73,976	4
2024-11-08	Abernethy, James S	Director	-	Direct	Sale	1,000	28.64	$28,640.00	74,976	4
2024-10-28	Abernethy, James S	Director	-	Direct	Sale	1,000	25.57	$25,570.00	75,976	4
2024-09-04	Abernethy, James S	Director	-	Direct	Sale	2,500	28.73	$71,825.00	76,976	4
2024-08-30	Abernethy, James S	Director	-	Indirect	Sale	1,000	29.02	$29,020.00	40,900	4
2024-08-26	Abernethy, James S	Director	-	Direct	Sale	1,000	29.15	$29,150.00	80,086	4
2024-08-16	Abernethy, James S	Director	-	Direct	Sale	500	28.80	$14,400.00	81,706	4
2024-08-07	Boyd-Leaks, Kim	Director	-	Direct	Sale	8,686	28.91	$251,112.26	1,022	4
2024-05-20	Abernethy, James S	Director	-	Direct	Sale	1,000	29.90	$29,900.00	82,206	4
2024-05-03	Abernethy, James S	Director	-	Indirect	Sale	2,000	31.19	$62,380.00	41,290	4
2024-02-23	Abernethy, James S	Director	-	Direct	Sale	3,000	24.50	$73,500.00	83,706	4
2023-12-04	Abernethy, James S	Director	-	Direct	Sale	2,000	27.12	$54,240.00	86,706	4
2023-08-02	Abernethy, James S	Director	-	Indirect	Sale	4,000	21.60	$86,400.00	45,290	4
2023-06-09	Howard, Douglas S	Director	-	Direct	Purchase	1,000	21.17	$21,170.00	22,067	4
2023-06-06	Price, Billy L Jr Dr	Director	-	Direct	Purchase	980	19.94	$19,541.20	12,673	4
2023-06-02	Zachary, Benjamin I	Director	-	Direct	Purchase	500	17.50	$8,750.00	47,780	4
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Institutional Ownership

No data available for chart

2013-09-30

0.01%

Inst. Shares: 600

Shares Outstanding: 5,613,495

2013-06-30

0.01%

Inst. Shares: 600

Shares Outstanding: 5,613,495

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2013-09-30	600	5,613,495	0.01%
2013-06-30	600	5,613,495	0.01%
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PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) — SEC Financial Statements & Analysis

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) is a state commercial banks company, incorporated in NC. PEOPLES BANCORP OF NORTH CAROLINA INC trades on Nasdaq as: PEBK. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), PEOPLES BANCORP OF NORTH CAROLINA INC reported a 4.64% year-over-year revenue growth, a Gross Profit Margin of 72.13% (TTM), a Price-to-Sales (P/S) ratio of 2.69x (TTM), a Price-to-Book (P/B) ratio of 1.42 (TTM), at a market cap of $229.26M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 4.64%
Gross Profit Margin TTM: 72.13%
P/S TTM: 2.69x
P/B TTM: 1.42
Market Cap: $229.26M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is PEOPLES BANCORP OF NORTH CAROLINA INC in?

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) operates in the State Commercial Banks industry.

What is PEBK's market cap?

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) has a market capitalization of $229.26M as of 2026-06-30.

What is PEBK's P/E ratio?

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK)'s trailing twelve month P/E ratio is 11.49x as of 2026-06-30.

What exchange does PEBK trade on?

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) trades on the Nasdaq.

Where is PEOPLES BANCORP OF NORTH CAROLINA INC incorporated?

PEOPLES BANCORP OF NORTH CAROLINA INC is incorporated in NC.

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) — SEC Financial Statements & Analysis

Frequently Asked Questions

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