Company research
PEOPLES BANCORP OF NORTH CAROLINA INC
CIK 1093672Updated Sep 26, 2026
SecurityPEBK · NASDAQ · equity
PEBK price & chart
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Recent filings
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Financials
FY 2025 · USDSource
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Source
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balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 1,702,148,000Source | 1,651,962,000Source | 1,635,910,000Source | 1,620,927,000Source |
| Property, Plant and Equipment, NetUSD | 14,162,000Source | 14,847,000Source | 16,702,000Source | 18,205,000Source |
| Current assets: | ||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 58,105,000Source | 59,266,000Source | — | 71,596,000Source |
| Operating Lease, Right-of-Use AssetUSD | 3,477,000Source | 4,013,000Source | 4,731,000Source | 5,116,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 1,545,030,000Source | 1,521,399,000Source | 1,514,894,000Source | 1,515,732,000Source |
| Stockholders’ equity: | ||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 48,708,000Source | 48,658,000Source | 50,625,000Source | 52,636,000Source |
| Retained Earnings (Accumulated Deficit)USD | 135,645,000Source | 121,062,000Source | 109,756,000Source | 100,156,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -27,235,000Source | -39,157,000Source | -39,365,000Source | -47,597,000Source |
| Stockholders' Equity Attributable to ParentUSD | 157,118,000Source | 130,563,000Source | 121,016,000Source | 105,195,000Source |
| Liabilities and EquityUSD | 1,702,148,000Source | 1,651,962,000Source | 1,635,910,000Source | 1,620,927,000Source |
| Additional Financial Items | ||||
| Deferred Compensation EquityUSD | 1,510,000Source | 1,757,000Source | — | — |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | — | 16,353,000Source | 15,546,000Source | — |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Deferred Income Tax Expense (Benefit)USD | 432,000Source | 1,031,000Source | -453,000Source | -541,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 21,373,000Source | 20,558,000Source | 22,780,000Source | 22,657,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -41,831,000Source | -42,624,000Source | -753,000Source | -255,976,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 1,413,000Source | 587,000Source | 1,948,000Source | 4,563,000Source |
| Cash flows from financing activities: | ||||
| Payments for Repurchase of Common StockUSD | 0Source | 1,998,000Source | 1,997,000Source | 710,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | 19,297,000Source | -1,043,000Source | -11,248,000Source | 27,416,000Source |
| Payments of Ordinary Dividends, Common StockUSD | 5,247,000Source | 5,047,000Source | 5,108,000Source | 4,935,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | -205,903,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 58,105,000Source | 59,266,000Source | 82,375,000Source | 71,596,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 24,656,000Source | 28,079,000Source | 16,487,000Source | 3,284,000Source |
| Income Taxes Paid, NetUSD | — | 4,538,000Source | 4,448,000Source | 4,659,000Source |
| Additional Financial Items | ||||
| Bank Owned Life Insurance IncomeUSD | 602,000Source | 783,000Source | 432,000Source | 458,000Source |
| DepreciationUSD | 2,000,000Source | 210,000Source | 2,200,000Source | 2,400,000Source |
| Depreciation, Amortization and Accretion, NetUSD | 2,739,000Source | 2,890,000Source | 3,126,000Source | 6,031,000Source |
| Gain (Loss) on Sale of InvestmentsUSD | -78,000Source | 5,000Source | -2,488,000Source | 0Source |
| Gain (Loss) on Sale of Mortgage LoansUSD | 277,000Source | 287,000Source | — | — |
| Gain (Loss) on Disposition of Other AssetsUSD | — | — | — | 85,000Source |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | 3,009,000Source | 362,000Source | 184,000Source | 85,000Source |
| Income Tax Expense (Benefit)USD | 6,020,000Source | 4,576,000Source | 4,377,000Source | 4,172,000Source |
| Investment Income, InterestUSD | — | — | — | 51,108,000Source |
| Net Income (Loss) Attributable to ParentUSD | 19,830,000Source | 16,353,000Source | 15,546,000Source | 16,123,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 19,830,000Source | 16,353,000Source | 15,546,000Source | 16,123,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 3,035,000Source | — | 1,015,000Source | 7,875,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 25,850,000Source | 20,929,000Source | 19,923,000Source | — |
| Income Tax Expense (Benefit)USD | 6,020,000Source | 4,576,000Source | 4,377,000Source | 4,172,000Source |
| Net Income (Loss) Attributable to ParentUSD | 19,830,000Source | 16,353,000Source | 15,546,000Source | 16,123,000Source |
| Earnings Per Share, BasicUSD per share | 3.74Source | 3.08Source | 2.87Source | 2.94Source |
| Earnings Per Share, DilutedUSD per share | 3.62Source | 2.98Source | 2.77Source | 2.85Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 5,305,272Source | 5,300,964Source | 5,424,890Source | 5,480,123Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 5,471,174Source | 5,482,787Source | 5,610,214Source | 5,661,189Source |
| Additional Financial Items | ||||
| Bank Owned Life Insurance IncomeUSD | 602,000Source | 783,000Source | 432,000Source | 458,000Source |
| Benefits, Losses and ExpensesUSD | — | — | 2,400,000Source | — |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | 0.96Source | 0.92Source | 0.91Source | 0.87Source |
| Current Income Tax Expense (Benefit)USD | 5,588,000Source | 3,545,000Source | 4,830,000Source | 4,713,000Source |
| Debt Securities, Gain (Loss)USD | -78,000Source | 5,000Source | -2,488,000Source | — |
| Interest ExpenseUSD | 24,601,000Source | 26,654,000Source | 17,143,000Source | 3,323,000Source |
| Interest Income (Expense), NetUSD | 59,017,000Source | — | — | — |
| Interest Income, OtherUSD | 2,344,000Source | — | — | — |
| Investment Income, InterestUSD | — | — | — | 51,108,000Source |
| Labor and Related ExpenseUSD | — | 28,209,000Source | 26,640,000Source | 26,130,000Source |
| Management Fee ExpenseUSD | 10,884,000Source | 9,263,000Source | 7,559,000Source | — |
| Marketing and Advertising ExpenseUSD | — | 791,000Source | 750,000Source | 693,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 19,830,000Source | 16,353,000Source | 15,546,000Source | 16,123,000Source |
| Net Investment IncomeUSD | — | 54,079,000Source | 54,719,000Source | — |
| Other ExpensesUSD | — | 985,000Source | 1,417,000Source | 213,000Source |
| Other General ExpenseUSD | 4,419,000Source | 4,637,000Source | — | — |
| Other IncomeUSD | — | 2,259,000Source | 1,825,000Source | 94,000Source |
| Other Operating IncomeUSD | 1,404,000Source | 1,394,000Source | 3,054,000Source | 2,390,000Source |