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Peoples Bancorp of North Carolina

Peoples Bancorp of North Carolina

PEBK · NASDAQ · Financial Services / Banks - Regional

43.41USD+0.06 (+0.14%)

Price History

Full chart

Market Stats

Previous Close43.35
Open43.60
Day Range42.73 – 43.74
52-Week Range26.63 – 45.56
Volume61.13K
Market Cap230.09M
P/E (TTM)11.88
Forward P/E12.71
EPS3.64
Dividend Yield1.94%
Beta0.30
50-Day Avg43.63
200-Day Avg40.49

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. William D. Cable Sr.
  • Employees268
  • Headquarters518 West C Street, Newton, NC, United States, 28658-4007, USA
  • Websitehttps://www.peoplesbanknc.com

Leadership

  • Mr. William D. Cable Sr.President & CEO · b. 1969
  • Mr. Jeffrey N. Hooper CPAExecutive VP, CFO, Corporate Treasurer & Assistant Corporate Secretary · b. 1969
  • Mr. Jody G. StreetExecutive VP & Chief Commercial Banking Officer · b. 1971
  • Ms. Carol S. ShinnExecutive VP & Chief Operations Officer · b. 1963
  • Ms. Krissy O. PriceVice President, Corporate Secretary & Investor Relations
  • Mr. George S. EarpSenior VP & Finance Director
  • Mr. Daniel F. RichardSenior Vice President
  • Jan G. GriffinSenior VP & Director of Loan Operations
  • Jeffery P. GniadekSenior VP & Area Executive ? Hickory
  • Mr. Mark W. SigmonSenior Vice President

Financials

Income Statement

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue----15.10M14.20M12.30M12.60M13.50M17.50M20.50M25.86M32.80M35.68M44.78M50.16M43.11M40.78M42.31M48.58M62.95M70.55M66.82M62.58M61.56M59.77M51.78M48.52M49.68M50.99M52.64M53.57M57.52M63.51M64.59M63.88M70.72M85.78M97.79M114.60M
Growth (%)------5.96%-13.38%+2.44%+7.14%+29.63%+17.14%+26.15%+26.83%+8.79%+25.48%+12.03%-14.05%-5.42%+3.76%+14.81%+29.57%+12.07%-5.29%-6.34%-1.63%-2.91%-13.37%-6.29%+2.38%+2.64%+3.24%+1.76%+7.37%+10.41%+1.70%-1.09%+10.70%+21.30%+14.01%+17.18%
Cost of Revenue----8.90M8.00M5.60M5.20M6.20M7.70M9.60M11.90M14.90M15.22M21.31M26.57M21.21M19.49M15.59M18.54M25.62M29.62M28.32M27.72M30.79M23.58M12.62M7.94M3.59M3.47M2.06M1.87M2.94M4.62M8.10M2.04M4.79M18.71M26.37M25.54M
Gross Profit----6.20M6.20M6.70M7.40M7.30M9.80M10.90M13.96M17.90M20.47M23.46M23.59M21.91M21.29M26.72M30.04M37.32M40.92M38.50M34.86M30.78M36.19M39.16M40.59M46.09M47.52M50.58M51.70M54.58M58.89M56.49M61.84M65.92M67.07M71.42M89.06M
Gross Margin----41.06%43.66%54.47%58.73%54.07%56.00%53.17%53.98%54.57%57.36%52.40%47.03%50.81%52.20%63.15%61.84%59.29%58.01%57.62%55.70%49.99%60.55%75.63%83.64%92.78%93.20%96.08%96.51%94.90%92.73%87.47%96.80%93.22%78.19%73.04%77.71%
Operating Expense----4.40M4.50M4.80M5.30M6.20M7.40M8.20M10.46M12.10M13.83M15.51M16.75M16.76M18.23M20.06M20.33M22.98M25.99M28.89M30.61M28.95M29.57M31.78M32.02M34.77M34.79M38.84M37.49M38.58M41.68M42.65M42.91M45.63M47.15M50.50M63.21M
Operating Income1.30M1.70M1.40M1.30M1.80M1.70M1.90M2.10M1.10M2.40M2.70M3.50M5.80M6.64M7.95M6.84M5.15M3.06M6.66M9.71M14.34M14.93M9.60M4.25M1.83M6.62M7.38M8.57M11.32M12.73M11.74M14.21M16.01M17.20M13.85M18.93M20.30M19.92M20.93M25.85M
Operating Margin----11.92%11.97%15.45%16.67%8.15%13.71%13.17%13.53%17.68%18.60%17.77%13.63%11.94%7.50%15.75%19.99%22.78%21.17%14.37%6.80%2.97%11.08%14.25%17.66%22.80%24.97%22.30%26.53%27.83%27.09%21.44%29.63%28.70%23.23%21.40%22.56%
EBITDA1.30M1.70M1.40M1.30M1.90M1.90M2.20M2.50M1.70M3.30M4.00M4.80M7.40M8.43M9.49M8.42M6.83M5.02M8.21M11.33M16.40M16.48M11.28M7.19M6.80M12.85M16.26M17.02M18.21M18.79M17.16M19.23M20.58M21.17M18.03M24.50M26.33M23.05M23.82M28.59M
EBITDA Margin----12.58%13.38%17.89%19.84%12.59%18.86%19.51%18.56%22.56%23.63%21.19%16.79%15.85%12.32%19.39%23.33%26.05%23.37%16.89%11.48%11.05%21.50%31.39%35.08%36.66%36.84%32.60%35.90%35.77%33.33%27.91%38.35%37.23%26.87%24.36%24.95%
Net Income1.30M1.70M1.40M1.30M1.40M1.40M1.60M1.90M1.00M1.70M2.00M2.40M4.00M4.54M5.38M4.58M3.44M2.00M4.43M6.33M9.17M9.59M6.39M2.92M1.84M5.16M5.79M6.69M9.39M9.63M9.18M10.27M13.38M14.07M11.36M15.13M16.12M15.55M16.35M19.83M
Net Income Margin----9.27%9.86%13.01%15.08%7.41%9.71%9.76%9.28%12.20%12.73%12.01%9.12%7.97%4.91%10.47%13.03%14.57%13.60%9.56%4.66%2.99%8.63%11.19%13.79%18.90%18.89%17.43%19.17%23.27%22.15%17.58%23.69%22.80%18.12%16.72%17.30%
R&D-------------------------00000000-------
R&D as % of Total Revenue-------------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense00008.50M7.20M5.10M4.50M4.90M7.00M8.60M11.20M14.50M14.79M19.43M23.03M15.78M12.75M12.34M15.43M23.11M27.58M23.53M17.19M14.35M10.95M7.70M5.35M4.29M3.48M3.27M2.38M2.15M3.76M3.84M3.21M3.32M17.14M26.65M24.60M
Interest Expense % of Total Revenue----56.29%50.70%41.46%35.71%36.30%40.00%41.95%43.31%44.21%41.45%43.40%45.91%36.59%31.26%29.15%31.76%36.71%39.10%35.21%27.46%23.31%18.31%14.86%11.03%8.63%6.83%6.21%4.44%3.73%5.92%5.94%5.02%4.70%19.99%27.26%21.47%

Balance Sheet

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets----152.30M148.30M159.40M173.20M180.10M222.10M257.90M326.90M402.27M432.43M519.00M619.50M645.64M674.03M686.35M730.28M818.95M907.26M968.76M1.05B1.07B1.07B1.01B1.03B1.04B1.04B1.09B1.09B1.09B1.15B1.41B1.62B1.62B1.64B1.65B1.70B
Total Liabilities----135.20M130.30M140.40M152.90M160.50M200.00M235.00M302.00M366.37M394.44M475.96M560.10M597.03M625.48M635.41M675.93M756.11M837.16M867.63M949.27M970.79M964.04M915.77M950.97M941.83M933.62M980.56M976.19M969.63M1.02B1.27B1.48B1.52B1.51B1.52B1.55B
Total Equity----17.10M18.00M19.00M20.30M19.60M22.10M22.90M24.90M35.90M38.00M43.04M45.40M48.60M48.55M50.94M54.35M62.84M70.10M101.13M99.22M96.86M103.03M97.75M83.72M98.67M104.86M107.43M115.97M123.62M134.12M139.90M142.37M105.19M121.02M130.56M157.12M
Cash----8.20M8.00M9.90M7.90M7.20M11.40M10.80M20.70M17.80M14.07M13.62M13.04M13.80M18.41M15.07M18.47M18.86M27.65M21.20M34.69M24.71M29.24M48.84M76.77M69.10M39.76M70.09M57.30M43.37M49.06M161.58M277.50M71.60M82.38M59.27M58.10M
Total Debt----1.80M1.60M-2.00M1.30M400.00K1.90M23.60M13.70M16.10M22.96M68.33M79.10M72.88M74.62M88.49M208.84M137.30M141.72M135.13M126.31M130.22M125.20M131.01M119.05M112.61M57.05M58.38M78.71M40.66M41.66M53.30M63.96M107.01M19.60M19.08M
Net Debt-----6.40M-6.40M-9.90M-5.90M-5.90M-11.00M-8.90M2.90M-4.10M2.03M9.34M55.29M65.30M54.46M59.55M70.02M189.98M109.66M120.52M100.45M101.60M100.98M76.35M54.24M49.95M24.36M-29.48M-36.69M-22.75M-33.44M-146.12M-262.04M-56.13M24.64M-39.67M-39.03M

Cash Flow

Currency: USD1990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow2.80M1.80M2.10M1.60M2.50M3.70M3.50M2.10M-1.50M13.56M8.68M3.47M9.20M13.44M3.10M15.02M14.81M14.53M10.73M4.71M17.80M22.35M19.03M24.92M1.92M13.86M12.24M18.59M17.19M13.20M9.16M26.90M22.66M22.78M20.56M21.37M
Investing Cash Flow-8.40M4.00M-9.80M-15.60M-10.30M-18.80M-38.20M-57.30M-73.30M-42.11M-86.07M-104.62M-28.11M-34.84M-14.22M-50.56M-92.22M-80.60M-65.73M-80.43M-44.02M-7.72M64.80M-19.23M-11.90M-30.13M-23.62M-24.11M-18.59M-48.18M-148.97M-106.14M-255.98M-753.00K-42.62M-41.83M
Financing Cash Flow-500.00K-5.00M9.60M12.00M7.00M19.20M34.10M65.10M71.70M27.80M79.03M97.81M19.18M26.61M7.12M38.57M79.09M74.37M53.13M79.13M18.86M-9.37M-64.22M22.24M2.31M-13.07M41.71M-7.28M-12.53M44.00M249.00M195.16M27.42M-11.25M-1.04M19.30M
Capital Expenditure100.00K200.00K400.00K1.50M1.10M1.40M800.00K2.40M2.10M2.73M6.02M3.75M2.61M1.91M1.50M1.37M1.62M7.62M1.86M1.61M1.44M1.60M917.00K2.43M3.12M2.35M1.61M5.56M1.74M2.83M2.49M484.00K4.56M1.95M587.00K1.41M
Free Cash Flow2.70M1.60M1.70M100.00K1.40M2.30M2.70M-300.00K-3.60M10.83M2.66M-285.00K6.59M11.53M1.60M13.65M13.18M6.91M8.88M3.10M16.36M20.75M18.11M22.49M-1.20M11.51M10.63M13.04M15.45M10.36M6.67M26.42M18.09M20.83M19.97M19.96M
Dividends Paid500.00K500.00K600.00K600.00K600.00K700.00K700.00K800.00K900.00K1.08M1.26M1.29M1.26M1.25M1.26M1.41M1.91M2.33M2.68M2.56M1.70M1.70M2.03M1.41M1.02M1.57M2.11M2.63M3.13M3.94M4.39M3.79M4.93M5.11M5.05M5.25M
FCF to OCF96.43%88.89%80.95%6.25%56.00%62.16%77.14%-14.29%240.00%79.88%30.61%-8.22%71.58%85.76%51.59%90.86%89.03%47.57%82.70%65.73%91.90%92.84%95.18%90.23%-62.75%83.02%86.85%70.11%89.86%78.52%72.80%98.20%79.86%91.45%97.14%93.39%
Dividend Paid to FCF18.52%31.25%35.29%600.00%42.86%30.43%25.93%-266.67%-25.00%10.00%47.35%-451.58%19.08%10.87%78.53%10.36%14.45%33.72%30.21%82.69%10.39%8.17%11.19%6.27%-84.95%13.68%19.81%20.21%20.28%38.01%65.85%14.36%27.27%24.52%25.27%26.29%

Earnings

Report DateMar 31, 1998Apr 26, 1999Sep 29, 1999Oct 14, 1999Jan 18, 2000Apr 10, 2000Jul 17, 2000Oct 23, 2000Jan 22, 2001Apr 16, 2001Jul 16, 2001Oct 15, 2001Jan 23, 2002Apr 15, 2002Jul 18, 2002Sep 30, 2002Jan 21, 2003Apr 21, 2003Jul 14, 2003Oct 20, 2003Jan 20, 2004Apr 19, 2004Jul 19, 2004Oct 18, 2004Jan 18, 2005Apr 18, 2005Jul 18, 2005Oct 17, 2005Jan 23, 2006Apr 17, 2006Jul 17, 2006Oct 16, 2006Jan 22, 2007Apr 16, 2007Jul 16, 2007Oct 15, 2007Jan 22, 2008Apr 21, 2008Jul 21, 2008Oct 17, 2008Jan 26, 2009Apr 27, 2009Jul 20, 2009Oct 28, 2009Jan 27, 2010Apr 21, 2010Jul 26, 2010Nov 4, 2010Jan 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Jul 25, 2016Oct 24, 2016Jan 23, 2017Apr 24, 2017Jul 24, 2017Oct 23, 2017Jan 22, 2018May 4, 2018Jul 23, 2018Oct 22, 2018Jan 28, 2019Apr 29, 2019Jul 22, 2019Oct 21, 2019Jan 23, 2020Apr 20, 2020Jul 20, 2020Oct 19, 2020Jan 25, 2021Apr 19, 2021Jul 19, 2021Oct 25, 2021Jan 24, 2022Apr 25, 2022Jul 25, 2022Oct 24, 2022Jan 23, 2023Apr 24, 2023Jul 24, 2023Oct 23, 2023Jan 22, 2024Apr 22, 2024Jul 22, 2024Oct 21, 2024Jan 27, 2025Apr 21, 2025Jul 21, 2025Oct 20, 2025Jan 26, 2026Mar 31, 2026Jul 20, 2026Oct 19, 2026
EPS Estimate-0.170.190.190.180.180.210.200.210.220.220.230.090.140.16-0.200.150.190.160.090.110.150.170.160.150.180.250.290.290.330.390.380.350.270.400.400.340.330.350.320.130.110.110.100.050.070.070.01----------------------------------------------0.000.000.00----------0.00---
EPS Actual0.150.170.200.180.210.220.210.220.220.220.190.220.070.140.100.210.100.180.030.050.060.190.170.180.190.200.250.290.310.390.420.390.300.430.400.410.250.350.350.280.060.070.16-0.010.050.110.05-0.17-0.240.050.170.240.210.190.210.170.260.240.280.190.420.410.390.290.370.430.410.360.400.480.400.210.360.360.460.530.430.550.530.570.570.610.640.610.500.400.440.780.330.710.800.590.530.610.570.930.740.560.850.740.620.720.890.720.790.790.950.671.210.800.96-
Surprise-0.00%5.26%-5.26%16.67%22.22%0.00%10.00%4.76%0.00%-13.64%-4.35%-22.22%0.00%-37.50%--50.00%20.00%-84.21%-68.75%-33.33%72.73%13.33%5.88%18.75%33.33%38.89%16.00%6.90%34.48%27.27%0.00%-21.05%22.86%48.15%2.50%-37.50%2.94%6.06%-20.00%-81.25%-46.15%45.45%-109.09%-50.00%120.00%-28.57%-342.86%-2500.00%---------------------------------------------------------------
Timing--After-hours-After-hoursAfter-hoursPre-marketAfter-hoursAfter-hours--After-hoursAfter-hoursAfter-hoursPre-market-Pre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-market---------------------Pre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hours----------------Pre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-market--Pre-marketPre-market

Key Statistics & Ratios

Market Cap230.09M
Enterprise Value187.96M
Trailing P/E11.88
Forward P/E12.71
PEG Ratio0.00
Price / Sales2.55
Price / Book1.41
EPS3.64
Book Value30.32
Revenue (TTM)90.18M
Gross Profit (TTM)90.18M
Profit Margin22.13%
Operating Margin30.36%
Return on Equity13.07%
Return on Assets1.15%
Shares Outstanding5.32M
Shares Float4.54M
Beta0.30
Dividend Yield1.94%
Dividend Rate0.84
Payout Ratio21.93%

Ownership Breakdown

Institutions
47.18%
Insiders
19.12%
Retail / Other
33.70%

Top Institutional Holders

  • Wellington Management Company LLP
    416.58K7.83%
  • BlackRock Inc
    289.87K5.45%
  • Vanguard Capital Management, LLC
    229.01K4.30%
  • Gendell Jeffrey L
    217.76K4.09%
  • Dimensional Fund Advisors, Inc.
    186.06K3.50%
  • Geode Capital Management, LLC
    106.26K2.00%
  • Bridgeway Capital Management, LLC
    81.13K1.52%
  • American Century Companies Inc
    77.66K1.46%
  • Arrowstreet Capital Limited Partnership
    60.85K1.14%
  • Maltese Capital Management LLC
    55.00K1.03%
  • State Street Corp
    54.78K1.03%
  • Citadel Advisors Llc
    41.79K0.79%
  • Renaissance Technologies Corp
    37.61K0.71%
  • Empowered Funds, LLC
    35.32K0.66%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    138.70K2.61%
  • iShares Russell 2000 ETF
    128.38K2.41%
  • Avantis US Small Cap Value ETF
    88.45K1.66%
  • Fidelity Small Cap Index
    47.96K0.90%
  • iShares Russell 2000 Value ETF
    45.38K0.85%
  • EA Bridgeway Omni Small-Cap Value ETF
    40.36K0.76%

Dividends

20264×
0.21Sep 3, 20260.21Jun 3, 20260.21Mar 4, 20260.17Feb 4, 2026
20255×
0.20Dec 3, 20250.20Sep 3, 20250.20Jun 3, 20250.20Mar 3, 20250.16Feb 3, 2025
20245×
0.19Dec 3, 20240.19Sep 3, 20240.19Jun 3, 20240.19Mar 1, 20240.16Feb 2, 2024
20235×
0.19Dec 1, 20230.19Sep 1, 20230.19Jun 1, 20230.19Mar 2, 20230.15Feb 2, 2023
20225×
0.18Dec 1, 20220.18Sep 1, 20220.18Jun 2, 20220.18Mar 2, 20220.15Feb 3, 2022

Stock Splits

  • Dec 1, 201711:10
  • Jun 18, 20073:2
  • Jun 1, 200611:10
  • Mar 1, 200511:10
  • Apr 6, 200011:10
  • Mar 23, 19993:2
  • Apr 29, 199711:10
  • Nov 9, 199523:20
  • Nov 4, 199311:10
  • May 11, 199211:10