Peoples Bancorp of North Carolina (PEBK) Cash Flow: Operating & Free Cash Flow

Peoples Bancorp of North Carolina Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Peoples Bancorp of North Carolina, Inc. (PEBK) - 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
Operating Activities
Net Income	19.83	16.35	15.55	16.12	15.13	11.36	14.07	13.38	10.27
Depreciation & Amortization	2.74	2.89	3.13	6.03	5.57	4.18	3.96	4.57	5.02
Deferred Income Tax	0.43	1.03	-0.45	-0.54	-0.23	-0.56	0.16	0.08	2.12
Stock Based Compensation	0.19	0.21	0.19	0.25	0.18	0.03	0.27	0.09	0.59
Change in Working Capital	0.49	0.65	0.98	-4.23	2.03	-2.79	-2.42	-1.32	-3.99
Change in Other Working Capital	-0.38	0.65	-0.48	-4.23	2.03	-2.79	-2.42	-1.32	-3.99
Other Operating Activities	-0.38	1.13	-0.48	-0.81	4.21	-3.06	-2.85	0.39	4.58
Net Cash from Operating Activities	21.37	20.56	22.78	22.62	26.90	9.16	13.20	17.19	18.59
Investing Activities
Capital Expenditures	-1.41	-0.59	-1.95	-4.56	-0.48	-2.49	-2.84	-1.74	-5.56
Purchases of Investments	-18.20	-29.05	-9.62	-149.74	-209.31	-127.94	-54.26	-37.30	-10.06
Sales/Maturities of Investments	43.76	32.60	70.44	46.44	38.43	81.75	55.27	63.91	27.36
Other Investing Activities	-65.98	0.93	-59.63	0.07	65.38	-100.30	-46.32	-43.46	-35.85
Net Cash from Investing Activities	-41.83	-42.62	-0.75	-255.98	-106.14	-148.97	-48.18	-18.59	-24.11
Financing Activities
Debt Repayment	0.00	0.00	0.00	0.00	0.00	-0.16	-5.00	0.00	-20.00
Common Stock Issued	0.05	0.05	0.00	0.04	0.00	0.00	0.00	0.00	0.00
Common Stock Repurchased	0.00	-2.02	-2.00	-0.71	-3.61	-3.00	-2.49	0.00	0.00
Dividends Paid	-5.25	-5.05	-5.11	-4.94	-3.79	-4.39	-3.94	-3.13	-2.64
Other Financing Activities	24.49	92.72	-4.14	33.06	202.56	256.55	55.43	-9.40	15.36
Net Cash from Financing Activities	19.30	-1.04	-11.25	27.46	195.16	249.00	44.00	-12.53	-7.28
Summary
Net Change in Cash	-1.16	-23.11	10.78	-205.90	115.92	109.19	9.02	-13.93	-12.79
Cash at Beginning of Period	59.27	82.38	71.60	277.50	161.58	52.39	43.37	57.30	70.09
Cash at End of Period	58.11	59.27	82.38	71.60	277.50	161.58	52.39	43.37	57.30
Free Cash Flow	19.96	19.97	20.83	18.05	26.42	6.67	10.36	15.45	13.04
Supplemental Disclosures
Interest Paid	-	28.08	16.49	3.28	3.22	-	-	-	-
Income Taxes Paid	-	4.54	4.45	4.66	3.67	-	-	-	-

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 Cash Flow

What is Peoples Bancorp of North Carolina's free cash flow?

Peoples Bancorp of North Carolina generated free cash flow of $19.96M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $21.37M minus $1.41M of capital expenditures. That was down 0.1% from $19.97M a year earlier. Free cash flow equaled 22.4% of revenue.

How much does Peoples Bancorp of North Carolina spend on capital expenditures?

Peoples Bancorp of North Carolina spent $1.41M on capital expenditures in fiscal 2025, compared with $587.00K a year earlier. That equals 6.6% of operating cash flow.

Does Peoples Bancorp of North Carolina pay dividends or buy back shares?

Yes. In fiscal 2025 Peoples Bancorp of North Carolina returned $5.25M in dividends to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition