Peoples Bancorp of North Carolina (PEBK) Financial Statements & Analysis

Peoples Bancorp of North Carolina (PEBK) Income Statement

Peoples Bancorp of North Carolina reported revenue of $89.06M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 8.9% from $97.79M a year earlier. Net income was $19.83M, up 21.3% year over year, a net margin of 22.3%. Gross margin was 100.0% and operating margin 29.0%. In the most recent quarter, Q3 fiscal 2026 (ended Sep 30, 2026), revenue was $23.13M, down 7.0% from the same quarter a year earlier.

Peoples Bancorp of North Carolina Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Peoples Bancorp of North Carolina, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	89.06	97.79	68.64	70.72	70.06	64.59	63.51	57.52	53.57
Cost of Revenue	25.54	26.37	18.71	4.80	2.04	8.10	4.62	2.94	1.87
Gross Profit	89.06	71.43	67.07	65.92	61.84	56.49	58.89	54.58	51.70
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	15.13	29.76	28.14	27.28	11.64	24.59	24.38	23.25	22.03
Operating Expenses	63.21	50.50	47.15	45.63	42.91	42.65	41.68	38.58	37.49
Operating Income	25.85	20.93	19.92	20.30	18.93	13.85	17.20	16.01	14.22
Other Income/Expense
Interest Income	83.62	80.73	71.86	54.43	47.18	47.96	49.60	45.35	41.95
Interest Expense	24.60	26.65	17.14	3.32	3.21	3.84	3.76	2.15	2.38
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	25.85	20.93	19.92	20.30	18.93	13.85	17.20	16.01	14.22
Income Tax Expense	6.02	4.58	4.38	4.17	3.80	2.49	3.14	2.62	3.95
Net Income	19.83	16.35	15.55	16.12	15.13	11.36	14.07	13.38	10.27
Net Income - Continuous Operations	19.83	16.35	15.55	16.12	15.13	11.36	14.07	13.38	10.27
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	2.74	23.82	23.05	26.33	5.57	18.03	21.17	20.58	19.23
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	2.74	2.89	3.13	6.03	5.57	4.18	3.96	4.57	5.02
Earnings Per Share
Basic EPS	4.00	3.00	3.00	3.00	3.00	2.00	2.00	2.00	2.00
Diluted EPS	4.00	3.00	3.00	3.00	3.00	2.00	2.00	2.00	2.00
Basic Shares Outstanding	5.31	5.30	5.42	5.48	5.58	5.82	5.94	6.00	6.01
Diluted Shares Outstanding	5.47	5.49	5.61	5.66	5.75	5.82	5.96	6.02	6.06

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Peoples Bancorp of North Carolina Financial Statements

What was Peoples Bancorp of North Carolina's revenue in fiscal 2025?

Peoples Bancorp of North Carolina reported revenue of $89.06M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 8.9% from $97.79M a year earlier.

Is Peoples Bancorp of North Carolina profitable?

Yes. Peoples Bancorp of North Carolina earned net income of $19.83M in fiscal 2025, a net margin of 22.3%. In fiscal 2024 it earned $16.35M.

What is Peoples Bancorp of North Carolina's operating margin?

Peoples Bancorp of North Carolina's operating income was $25.85M on revenue of $89.06M in fiscal 2025, an operating margin of 29.0%, compared with 21.4% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition