Symbols / PEBK Stock $40.18 +1.93% Peoples Bancorp of North Carolina, Inc.

Financial Services • Banks - Regional • United States • NGM
PEBK (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. William D. Cable Sr.
Exch · Country NGM · United States
Market Cap 213.40M
Enterprise Value 163.52M
Income 19.88M
Sales 89.87M
FCF (ttm) —
Book/sh 29.59
Cash/sh 11.54
Employees 268
Insider 10d —
IPO Oct 16, 1985
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 22.31%
P/E 11.07
Forward P/E —
PEG —
P/S 2.37
P/B 1.36
P/C —
EV/EBITDA —
EV/Sales 1.82
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.63
EPS next Y —
EPS Growth 1.30%
Revenue Growth 4.00%
EPS Gr Q/Q 1.20%
Rev Gr Q/Q —
Earnings (next) 2026-07-20
Earnings (prior) 2011-01-31
ROA 1.16%
ROE 13.41%
ROIC —
Gross Margin 0.00%
Oper. Margin 26.88%
Profit Margin 22.12%
Shs Outstand 5.31M
Shs Float 4.52M
Insider Own 19.28%
Instit Own 43.85%
Short Float 1.10%
Short Ratio 1.47
Short Interest 49.84K
52W High 42.63
vs 52W High -5.75%
52W Low 26.81
vs 52W Low 49.87%
Beta 0.31
Impl. Vol. —
Rel Volume 0.85
Avg Volume 30.55K
Volume 25.96K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $39.42
Price $40.18
Change 1.93%
About

Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses in the North Carolina, United States. The company offers deposit products. It also originates commercial real estate loans, commercial loans, construction and land development loans, single-family residential mortgage loans, as well as agricultural loans. In addition, the company provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. Further, it operates as a clearinghouse for the provision of appraisal services for community banks; and acquires, manages, and disposes of real property, other collateral, and other assets obtained in the ordinary course of collecting debts. The company was founded in 1912 and is headquartered in Newton, North Carolina.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$40.18
Latest analyst target
3. DCF / Fair value
$54.45
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$40.18
Low
—
High
—
Mean
—
News
RSS: Latest PEBK news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-24 ABERNETHY JAMES S Director — 1,200 $39.50 $47,736
2026-03-03 ABERNETHY JAMES S Director — 477 $37.60 $17,935
2026-02-27 ABERNETHY JAMES S Director — 500 $38.91 $19,455
2026-02-27 ABERNETHY JAMES S Director — 523 $38.91 $20,350
2026-02-24 ABERNETHY JAMES S Director — 600 $38.16 $22,896
2026-02-09 ABERNETHY JAMES S Director — 1,000 $38.34 $38,340
2026-02-04 ABERNETHY JAMES S Director — 600 $37.27 $22,362
2026-01-20 HOOPER JEFFREY N. Chief Financial Officer — 1,430 $36.05 $51,552
2026-01-20 TURNER TIMOTHY PAUL Officer — 397 $36.05 $14,312
2026-01-20 SHINN CAROL S Chief Operating Officer — 526 $36.05 $18,962
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
74.41
+4.60%
71.14
+3.65%
68.64
+1.84%
67.39
Operating Revenue
74.41
+4.60%
71.14
+3.65%
68.64
+1.84%
67.39
Selling General And Administration
30.03
+0.90%
29.76
+5.79%
28.14
+3.12%
27.28
Selling And Marketing Expense
1.01
+27.69%
0.79
+5.47%
0.75
+8.23%
0.69
General And Administrative Expense
29.02
+0.17%
28.97
+5.80%
27.39
+2.99%
26.59
Salaries And Wages
28.25
+0.13%
28.21
+5.89%
26.64
+1.95%
26.13
Other Gand A
—
—
—
1.85
Reconciled Depreciation
2.74
-5.22%
2.89
-7.55%
3.13
-48.17%
6.03
Total Unusual Items
3.01
0.00
-100.00%
0.18
+316.47%
-0.09
Total Unusual Items Excluding Goodwill
3.01
0.00
-100.00%
0.18
+316.47%
-0.09
Special Income Charges
3.01
0.00
-100.00%
0.18
+316.47%
-0.09
Other Special Charges
-3.01
—
-0.18
-316.47%
0.09
Net Income
19.83
+21.26%
16.35
+5.19%
15.55
-3.58%
16.12
Pretax Income
25.85
+23.51%
20.93
+5.05%
19.92
-1.83%
20.30
Net Interest Income
59.02
+9.13%
54.08
-1.17%
54.72
+7.07%
51.11
Interest Expense
24.60
-7.70%
26.65
+55.48%
17.14
+415.89%
3.32
Interest Income
83.62
+3.57%
80.73
+12.34%
71.86
+32.02%
54.43
Gain On Sale Of Security
0.19
-89.29%
1.75
+330.34%
-0.76
-156.48%
1.34
Tax Provision
6.02
+31.56%
4.58
+4.55%
4.38
+4.91%
4.17
Tax Rate For Calcs
0.00
+6.51%
0.00
-0.48%
0.00
+6.86%
0.00
Tax Effect Of Unusual Items
0.70
0.00
-100.00%
0.04
+331.32%
-0.02
Net Income Including Noncontrolling Interests
19.83
+21.26%
16.35
+5.19%
15.55
-3.58%
16.12
Net Income From Continuing Operation Net Minority Interest
19.83
+21.26%
16.35
+5.19%
15.55
-3.58%
16.12
Net Income From Continuing And Discontinued Operation
19.83
+21.26%
16.35
+5.19%
15.55
-3.58%
16.12
Net Income Continuous Operations
19.83
+21.26%
16.35
+5.19%
15.55
-3.58%
16.12
Normalized Income
17.52
+7.15%
16.35
+6.17%
15.40
-4.87%
16.19
Net Income Common Stockholders
19.83
+21.26%
16.35
+5.19%
15.55
-3.58%
16.12
Diluted EPS
—
2.98
+7.58%
2.77
-2.81%
2.85
Basic EPS
—
3.08
+7.32%
2.87
-2.38%
2.94
Basic Average Shares
—
5.31
-1.98%
5.42
-1.23%
5.48
Diluted Average Shares
—
5.49
-2.22%
5.61
-0.79%
5.66
Diluted NI Availto Com Stockholders
19.83
+21.26%
16.35
+5.19%
15.55
-3.58%
16.12
Insurance And Claims
0.78
+1.57%
0.76
+2.55%
0.74
+61.61%
0.46
Occupancy And Equipment
8.95
+3.02%
8.69
+9.09%
7.96
-1.07%
8.05
Other Non Interest Expense
8.95
-7.98%
9.73
+2.24%
9.52
+14.73%
8.29
Professional Expense And Contract Services Expense
2.70
+16.67%
2.32
+34.97%
1.72
-10.39%
1.92
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Assets
1,702.15
+3.04%
1,651.96
+0.98%
1,635.91
Cash And Cash Equivalents
58.10
-1.96%
59.27
-28.05%
82.38
Cash Financial
27.72
-10.34%
30.92
-5.79%
32.82
Other Short Term Investments
216.85
-44.11%
388.00
-1.00%
391.92
Receivables
—
—
—
Accounts Receivable
—
—
—
Net PPE
17.64
-6.47%
18.86
-12.00%
21.43
Gross PPE
49.30
+1.26%
48.68
-1.25%
49.30
Accumulated Depreciation
-31.66
-6.15%
-29.82
-7.03%
-27.86
Land And Improvements
4.44
+1.67%
4.37
-0.18%
4.37
Buildings And Improvements
18.67
+0.37%
18.60
-2.37%
19.05
Machinery Furniture Equipment
22.71
+5.14%
21.60
+4.82%
20.61
Construction In Progress
0.00
-100.00%
0.10
-80.64%
0.53
Other Properties
3.48
-13.36%
4.01
-15.18%
4.73
Investments And Advances
379.96
-2.76%
390.73
-1.03%
394.80
Total Liabilities Net Minority Interest
1,545.03
+1.55%
1,521.40
+0.43%
1,514.89
Payables And Accrued Expenses
—
—
—
Payables
—
—
—
Accounts Payable
—
—
—
Long Term Debt And Capital Lease Obligation
19.08
-2.66%
19.60
-3.43%
20.30
Long Term Debt
15.46
+0.00%
15.46
+0.00%
15.46
Long Term Capital Lease Obligation
3.62
-12.60%
4.14
-14.40%
4.83
Stockholders Equity
157.12
+20.34%
130.56
+7.89%
121.02
Common Stock Equity
157.12
+20.34%
130.56
+7.89%
121.02
Capital Stock
47.20
+0.63%
46.90
-3.72%
48.72
Common Stock
47.20
+0.63%
46.90
-3.72%
48.72
Preferred Stock
0.00
0.00
0.00
Share Issued
5.46
+0.03%
5.46
-1.39%
5.53
Ordinary Shares Number
5.31
+0.19%
5.30
-1.34%
5.37
Treasury Shares Number
0.15
-5.23%
0.16
-3.13%
0.16
Retained Earnings
135.65
+12.05%
121.06
+10.30%
109.76
Gains Losses Not Affecting Retained Earnings
-27.23
+30.45%
-39.16
+0.53%
-39.37
Other Equity Adjustments
-27.23
+30.45%
-39.16
+0.53%
-39.37
Total Equity Gross Minority Interest
157.12
+20.34%
130.56
+7.89%
121.02
Total Capitalization
172.58
+18.18%
146.03
+7.00%
136.48
Invested Capital
172.58
+18.18%
146.03
+7.00%
136.48
Total Debt
19.08
-2.66%
19.60
-3.43%
20.30
Capital Lease Obligations
3.62
-12.60%
4.14
-14.40%
4.83
Net Tangible Assets
157.12
+20.34%
130.56
+7.89%
121.02
Tangible Book Value
157.12
+20.34%
130.56
+7.89%
121.02
Available For Sale Securities
163.10
+5878.85%
2.73
-5.08%
2.87
Cash Cash Equivalents And Federal Funds Sold
58.10
-1.96%
59.27
-28.05%
82.38
Other Equity Interest
1.51
-14.06%
1.76
-8.01%
1.91
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
21.37
+3.96%
20.56
-9.75%
22.78
+0.73%
22.62
Cash Flow From Continuing Operating Activities
21.37
+3.96%
20.56
-9.75%
22.78
+0.73%
22.62
Net Income From Continuing Operations
19.83
+21.26%
16.35
+5.19%
15.55
-3.58%
16.12
Depreciation Amortization Depletion
2.74
-5.22%
2.89
-7.55%
3.13
-48.17%
6.03
Depreciation
—
2.89
-7.55%
3.13
-48.17%
6.03
Depreciation And Amortization
2.74
-5.22%
2.89
-7.55%
3.13
-48.17%
6.03
Other Non Cash Items
-0.38
+66.64%
-1.15
-142.32%
-0.47
-113.86%
3.43
Stock Based Compensation
0.19
-10.38%
0.21
+13.37%
0.19
-24.90%
0.25
Asset Impairment Charge
0.07
-81.93%
0.39
0.00
0.00
Deferred Tax
0.43
-58.10%
1.03
+327.59%
-0.45
+16.27%
-0.54
Deferred Income Tax
0.43
-58.10%
1.03
+327.59%
-0.45
+16.27%
-0.54
Operating Gains Losses
-2.93
-58520.00%
-0.01
-100.22%
2.30
+2610.59%
0.09
Gain Loss On Investment Securities
0.08
+1660.00%
-0.01
-100.20%
2.49
0.00
Gain Loss On Sale Of PPE
-3.01
0.00
+100.00%
-0.18
-316.47%
0.09
Change In Working Capital
0.49
-56.43%
1.12
+14.40%
0.98
+123.15%
-4.23
Change In Other Working Capital
—
-0.47
-9.05%
-0.43
-6.95%
-0.40
Change In Other Current Assets
1.54
+93.11%
0.80
+79.33%
0.45
+119.48%
-2.28
Change In Other Current Liabilities
-0.53
-152.26%
1.02
-39.69%
1.69
+1188.55%
0.13
Investing Cash Flow
-41.83
+1.86%
-42.62
-5560.56%
-0.75
+99.71%
-255.98
Cash Flow From Continuing Investing Activities
-41.83
+1.86%
-42.62
-5560.56%
-0.75
+99.71%
-255.98
Net PPE Purchase And Sale
-1.03
-75.64%
-0.59
-20.29%
-0.49
+89.31%
-4.56
Purchase Of PPE
-1.41
-140.72%
-0.59
+69.87%
-1.95
+57.31%
-4.56
Sale Of PPE
0.38
0.00
-100.00%
1.46
0.00
Capital Expenditure
-1.41
-140.72%
-0.59
+69.87%
-1.95
+57.31%
-4.56
Net Investment Purchase And Sale
25.56
+621.42%
3.54
-94.17%
60.82
+158.88%
-103.30
Purchase Of Investment
-18.20
+37.36%
-29.05
-202.15%
-9.62
+93.58%
-149.74
Sale Of Investment
43.76
+34.25%
32.59
-53.73%
70.44
+51.69%
46.44
Net Other Investing Changes
0.43
-53.32%
0.92
+384.52%
-0.32
-707.50%
-0.04
Financing Cash Flow
19.30
+1950.14%
-1.04
+90.73%
-11.25
-140.97%
27.46
Cash Flow From Continuing Financing Activities
19.30
+1950.14%
-1.04
+90.73%
-11.25
-140.97%
27.46
Net Issuance Payments Of Debt
0.00
0.00
0.00
0.00
Issuance Of Debt
0.00
+0.00%
0.00
+0.00%
0.00
+0.00%
0.00
Repayment Of Debt
-0.00
+0.00%
-0.00
+0.00%
-0.00
+0.00%
-0.00
Long Term Debt Issuance
0.00
+0.00%
0.00
+0.00%
0.00
+0.00%
0.00
Long Term Debt Payments
-0.00
+0.00%
-0.00
+0.00%
-0.00
+0.00%
-0.00
Net Long Term Debt Issuance
0.00
0.00
0.00
0.00
Net Common Stock Issuance
0.00
+100.00%
-2.00
-0.05%
-2.00
-181.27%
-0.71
Common Stock Payments
0.00
+100.00%
-2.00
-0.05%
-2.00
-181.27%
-0.71
Common Stock Dividend Paid
-5.25
-3.96%
-5.05
+1.19%
-5.11
-3.51%
-4.93
Cash Dividends Paid
-5.25
-3.96%
-5.05
+1.19%
-5.11
-3.51%
-4.93
Repurchase Of Capital Stock
0.00
+100.00%
-2.00
-0.05%
-2.00
-181.27%
-0.71
Proceeds From Stock Option Exercised
0.05
-1.96%
0.05
0.00
-100.00%
0.04
Net Other Financing Charges
—
-0.02
—
—
Changes In Cash
-1.16
+94.98%
-23.11
-314.39%
10.78
+105.23%
-205.90
Beginning Cash Position
59.27
-28.05%
82.38
+15.06%
71.60
-74.20%
277.50
End Cash Position
58.10
-1.96%
59.27
-28.05%
82.38
+15.06%
71.60
Free Cash Flow
19.96
-0.06%
19.97
-4.13%
20.83
+15.39%
18.05
Interest Paid Supplemental Data
24.66
-12.19%
28.08
+70.31%
16.49
+402.04%
3.28
Income Tax Paid Supplemental Data
4.86
+7.16%
4.54
+2.02%
4.45
-4.53%
4.66
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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