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):12,348

Institutional Sentiment:

As of:N/AInstitutional Shares Owned:N/AShares Outstanding:N/AInstitutional Ownership Pct.:N/A

Earnings Market Reaction:

Filing Date:2026-05-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in State Commercial Banks

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Financial Statements

10‑Q10‑K

Values in Millions ($)	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	2023-06-30
Cash And Due From Banks	32	28	29	33	32	31	36	32	26	33	36	41
Interest Bearing Deposits In Banks	29	30	88	69	70	28	37	51	72	50	41	48
Cash And Cash Equivalents At Carrying Value	61	58	117	102	103	59	73	83	98	82	77	89
Debt Securities	-	-	377	372	374	388	399	-	-	392	-	-
Other Investments	3	3	3	3	3	3	3	3	3	3	3	-
Marketable Securities	-	-	-	-	-	-	-	396	398	395	382	397
Inventory Real Estate Mortgage Loans Held In Inven…	-	-	-	-	-	-	-	-	-	-	-	2
Loans And Leases Receivable Net Of Deferred Income	-	-	-	-	-	-	-	-	-	-	-	1,058
Investments	373	380	379	374	377	391	401	-	-	395	-	-
Mortgages Held For Sale Fair Value Disclosure	2	1	1	2	1	1	1	1	1	1	2	-
Financing Receivable Allowance For Credit Losses	-10	-10	-	-	-	-10	-	-10	11	-11	-10	-10
Loans Receivable Held For Sale Amount	1,233	1,194	1,173	1,148	1,142	1,128	1,114	1,101	1,096	1,082	1,068	1,048
Property Plant And Equipment Net	14	14	14	15	15	15	15	16	16	17	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	4	4	4	4	4	4	5	5	5	5
Interest Receivable And Other Assets	31	33	31	32	34	35	35	36	38	36	40	-
Assets	1,734	1,702	1,738	1,694	1,693	1,652	1,662	1,655	1,670	1,636	1,607	1,612
Liabilities And Stockhold…
Noninterest Bearing Deposit Liabilities	408	395	411	407	413	402	409	416	463	433	445	455
Deposits
Deposits	1,541	1,509	1,553	1,514	1,518	1,485	1,480	1,476	1,452	1,392	1,381	1,370
Interest Bearing Deposit Liabilities	807	761	780	754	756	741	728	710	634	620	633	-
Time Deposits	143	160	-	-	-	147	-	-	-	149	0	105
Time Deposits Less Than100000	-	-	-	-	-	-	-	-	-	190	165	130
Subordinated Debt	15	15	15	15	15	15	15	15	15	15	15	15
Securities Sold Under Agreements To Repurchase	-	-	-	-	-	0	8	19	59	87	83	93
Lease Deposit Liability	-	-	4	4	4	4	4	4	5	5	5	-
Operating Lease Liability	3	4	-	-	-	4	-	-	-	-	-	5
Accrued Liabilities And Other Liabilities	17	17	17	17	17	17	17	16	17	16	16	16
Liabilities	1,576	1,545	1,589	1,550	1,554	1,521	1,525	1,531	1,548	1,515	1,500	1,499
Commitments
Commitments And Contingen…
Other Commitments
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	51	51	52
Stockholders Equity
Stockholders Equity	158	157	149	144	139	131	136	124	121	121	107	112
Deferred Compensation Liability Classified Noncurr…	-	-	-	-	-	-	-	-	-	-	-	2
Common Stock Issued Employee Trust Deferred	-	-	-2	-2	-2	-2	-2	2	-	-2	-	-
Deferred Compensation Equity	2	2	-	2	2	2	-2	2	-	2	-	-
Retained Earnings Accumulated Deficit	138	136	130	128	123	121	119	116	112	110	107	104
Accumulated Other Comprehensive Income Loss Net Of…	-29	-27	-29	-32	-34	-39	-31	-40	-39	-39	-51	-44
Liabilities And Stockholders Equity	1,734	1,702	1,738	1,694	1,693	1,652	1,662	1,655	1,670	1,636	1,607	1,612
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	6	6	6
Shares Outstanding	5,461	5,459	5,459	5,459	5,459	5,458	5,458	5,458	5,456	5,534	5,550	5,591
Common Stock Shares Held In Employee Trust Shares	0	0	0	0	0	0	0	0	-	0	-	-

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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%	-	-	-	-	-	-	-	-	-	-
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	-11.32%	-12.09%	5.71%	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	2026-03-31	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	2023-06-30
Leverage & Debt
Interest Coverage TTM	2.06	2.05	1.87	1.87	1.83	1.79	1.80	1.86	1.97	2.16	2.67	3.67
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	-	-	-	5,619.58
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	-	-	0.06
Per Share Metrics
Diluted EPS TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Free Cash Flow Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	71.19%	70.58%	69.68%	68.55%	67.64%	66.98%	67.34%	68.95%	71.70%	76.14%	82.00%	87.32%
Operating Profit Margin TTM	30.60%	30.91%	26.28%	27.24%	26.98%	25.92%	26.12%	26.80%	27.56%	27.72%	29.98%	33.85%
Net Profit Margin TTM	23.52%	23.71%	20.31%	20.87%	20.71%	20.26%	20.42%	21.21%	21.80%	21.63%	23.49%	26.61%
Growth Metrics
Net Revenue Growth (1Y)	4.49%	3.57%	3.75%	5.43%	8.04%	12.34%	14.88%	18.06%	24.99%	32.02%	40.51%	42.22%
Net Income Growth (1Y)	18.70%	21.26%	3.22%	3.78%	2.62%	5.19%	-0.13%	-5.92%	3.02%	-3.58%	8.48%	33.43%
EPS Growth (1Y)	18.45%	21.57%	2.96%	3.54%	3.00%	7.29%	1.88%	-3.06%	6.06%	-2.60%	9.92%	34.17%
Valuation Metrics
P/E TTM	10,407.00	9,539.81	9,509.45	8,742.82	8,321.74	9,685.56	7,846.56	8,864.52	8,487.18	9,967.82	6,703.06	5,161.69
P/B TTM	1,308.67	1,204.03	1,066.06	1,033.44	1,006.36	1,213.12	934.63	1,169.60	1,143.99	1,280.49	1,014.90	800.83
P/S TTM	2,448.09	2,262.37	1,931.84	1,825.05	1,723.13	1,961.87	1,602.12	1,879.91	1,850.22	2,156.35	1,574.33	1,373.67
Market Cap	206.92B	189.17B	159.34B	148.82B	139.39B	158.39B	127.37B	145.40B	138.53B	154.96B	108.95B	89.99B
Enterprise Value	206.86B	189.12B	159.22B	148.72B	139.29B	158.33B	127.30B	145.31B	138.43B	154.88B	108.87B	89.90B
Calculated Values
Free Cash Flow TTM	19.38M	19.96M	20.08M	20.39M	21.59M	19.97M	20.09M	19.02M	16.90M	20.83M	20.52M	22.24M
Net Debt	-61.26M	-58.11M	-117.02M	-102.00M	-102.52M	-59.27M	-73.16M	-82.84M	-98.10M	-82.38M	-76.62M	-89.04M
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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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 PEBK: Nasdaq as: PEBK. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), PEOPLES BANCORP OF NORTH CAROLINA INC reported a 4.49% year-over-year revenue growth, a Gross Profit Margin of 71.19% (TTM), a Price-to-Sales (P/S) ratio of 2448.09x (TTM), a Price-to-Book (P/B) ratio of 1.31K (TTM), at a market cap of $206.92B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 4.49%
Gross Profit Margin TTM: 71.19%
P/S TTM: 2448.09x
P/B TTM: 1.31K
Market Cap: $206.92B

Data as of 2026-03-31 · 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 $206.92B as of 2026-03-31.

What is PEBK's P/E ratio?

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK)'s trailing twelve month P/E ratio is 10407.00x as of 2026-03-31.

What exchange does PEBK trade on?

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