PEBK
Peoples Bancorp of North Carolina
NASDAQ: PEBK · FINANCIAL SERVICES · BANKS - REGIONAL
$39.42
+0.90% today
Updated 2026-04-30
Market cap
$211.07M
P/E ratio
10.95
P/S ratio
2.35x
EPS (TTM)
$3.63
Dividend yield
2.06%
52W range
$26 – $43
Volume
0.0M
Peoples Bancorp of North Carolina (PEBK) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $62.95M | $70.55M | $66.82M | $62.58M | $61.56M | $59.77M | $51.78M | $48.52M | $49.68M | $50.99M | $52.64M | $53.57M | $57.52M | $63.51M | $64.59M | $63.88M | $70.72M | $85.78M | $97.79M | $114.60M |
| Revenue growth (YoY) | — | +12.1% | -5.3% | -6.3% | -1.6% | -2.9% | -13.4% | -6.3% | +2.4% | +2.6% | +3.2% | +1.8% | +7.4% | +10.4% | +1.7% | -1.1% | +10.7% | +21.3% | +14.0% | +17.2% |
| Cost of revenue | $25.62M | $29.62M | $28.32M | $27.72M | $30.79M | $23.58M | $12.62M | $7.94M | $3.59M | $3.47M | $2.06M | $1.87M | $2.94M | $4.62M | $8.10M | $2.04M | $4.79M | $18.71M | $26.37M | $25.54M |
| Gross profit | $37.32M | $40.92M | $38.50M | $34.86M | $30.78M | $36.19M | $39.16M | $40.59M | $46.09M | $47.52M | $50.58M | $51.70M | $54.58M | $58.89M | $56.49M | $61.84M | $65.92M | $67.07M | $71.42M | $89.06M |
| Gross margin | 59.3% | 58.0% | 57.6% | 55.7% | 50.0% | 60.6% | 75.6% | 83.6% | 92.8% | 93.2% | 96.1% | 96.5% | 94.9% | 92.7% | 87.5% | 96.8% | 93.2% | 78.2% | 73.0% | 77.7% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $11.79M | $13.89M | $15.19M | $14.76M | $14.12M | $14.77M | $16.43M | $17.71M | $18.27M | $18.97M | $20.18M | $20.83M | $22.32M | $23.36M | $23.80M | $24.92M | $26.59M | $27.39M | $28.97M | $37.19M |
| Operating income | $14.34M | $14.93M | $9.60M | $4.25M | $1.83M | $6.62M | $7.38M | $8.57M | $11.32M | $12.73M | $11.74M | $14.21M | $16.01M | $17.20M | $13.85M | $18.93M | $20.30M | $19.92M | $20.93M | $25.85M |
| Operating margin | 22.8% | 21.2% | 14.4% | 6.8% | 3.0% | 11.1% | 14.3% | 17.7% | 22.8% | 25.0% | 22.3% | 26.5% | 27.8% | 27.1% | 21.4% | 29.6% | 28.7% | 23.2% | 21.4% | 22.6% |
| EBITDA | $16.40M | $16.48M | $11.28M | $7.19M | $6.80M | $12.85M | $16.26M | $17.02M | $18.21M | $18.79M | $17.16M | $19.23M | $20.58M | $21.17M | $18.03M | $24.50M | $26.33M | $23.05M | $23.82M | $25.85M |
| EBITDA margin | 26.1% | 23.4% | 16.9% | 11.5% | 11.0% | 21.5% | 31.4% | 35.1% | 36.7% | 36.8% | 32.6% | 35.9% | 35.8% | 33.3% | 27.9% | 38.3% | 37.2% | 26.9% | 24.4% | 22.6% |
| EBIT | $14.34M | $14.93M | $9.60M | $4.25M | $1.83M | $6.62M | $7.38M | $8.57M | $11.32M | $12.73M | $11.74M | $14.21M | $16.01M | $17.20M | $13.85M | $18.93M | $20.30M | $19.92M | $20.93M | — |
| Interest expense | $23.11M | $27.58M | $23.53M | $17.19M | $14.35M | $10.95M | $7.70M | $5.35M | $4.29M | $3.48M | $3.27M | $2.38M | $2.15M | $3.76M | $3.84M | $3.21M | $3.32M | $17.14M | $26.65M | $24.60M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $9.17M | $9.59M | $6.39M | $2.92M | $1.84M | $5.16M | $5.79M | $6.69M | $9.39M | $9.63M | $9.18M | $10.27M | $13.38M | $14.07M | $11.36M | $15.13M | $16.12M | $15.55M | $16.35M | $19.83M |
| Net income growth (YoY) | — | +4.6% | -33.4% | -54.4% | -36.9% | +180.2% | +12.3% | +15.5% | +40.3% | +2.6% | -4.7% | +11.9% | +30.3% | +5.1% | -19.3% | +33.2% | +6.5% | -3.6% | +5.2% | +21.3% |
| Profit margin | 14.6% | 13.6% | 9.6% | 4.7% | 3.0% | 8.6% | 11.2% | 13.8% | 18.9% | 18.9% | 17.4% | 19.2% | 23.3% | 22.2% | 17.6% | 23.7% | 22.8% | 18.1% | 16.7% | 17.3% |