PEBK - NASDAQ

Peoples Bancorp of North Carolina, Inc.

PEBK·NASDAQ

$41.13

-1.9%

Financial ServicesBanks - Regional

Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various commercial and consumer banking products and services to individuals and small to medium-sized businesses. It offers checking, savings, money market, and time deposits; demand deposits; and certificates of deposit, as well as borrowed funds. The company's loan products comprise commercial real estate, commercial, construction and land development, single-family residential, residential mortgage, and individual taxpayer identification number mortgage loans, as well as agricultural loans. It also 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. In addition, the company operates as a clearing-house for the provision of appraisal services for community banks; and acquires, manages, and disposes real property, other collateral, and other assets obtained in the ordinary course of collecting debts, as well as offers insurance agency services. As of December 31, 2021, it operated 17 banking offices located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Mooresville, Raleigh, and Cary, North Carolina. The company also operates loan production offices in Charlotte, Denver, Salisbury, and Winston-Salem, North Carolina. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$224.63M

EPS2.9200

P/E Ratio14.09

Earnings Date07/20/2026

1.70B

Assets

3Y+5.0%

5Y+20.0%

10Y+56.0%

1.55B

Total Liabilities

3Y+2.0%

5Y+21.0%

10Y+58.0%

157.12M

Total Equity

20%

3Y+49.0%

5Y+12.0%

10Y+46.0%

Peoples Bancorp of North Carolina, Inc. Funding & Solvency Profile

PEBK · NASDAQ

Current Assets

Cash & Cash Equivalents27.72M

Net Receivables0.00

Inventory0.00

Other Current Assets0.00

Total Current Assets405 M

Non-Current Assets

Property, Plant & Equipment14.16M

Goodwill & Intangible Assets0.00

Long-Term Investments1.36B

Other Non-Current Assets-1.36B

Total Non-Current Assets14 M

Total Assets

1.70B

Financial Health Analysis

Current Ratio

1.03x

Acceptable liquidity, but monitor closely. Current assets just barely cover current liabilities.

Debt-to-Equity Ratio

9.83x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

11 M

Positive working capital, but relatively tight. The company should monitor cash flow carefully.

Asset Composition

24% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Peoples Bancorp of North Carolina, Inc. Balance Sheet

PEBK • NASDAQ

Peoples Bancorp of North Carolina, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	27.7M	59.3M	82.4M	71.6M	277.5M	161.6M	49.1M	43.4M	57.3M	70.1M	39.8M	69.1M	76.8M	48.8M	29.2M	24.7M	34.7M	21.2M	27.6M	18.9M
Short-Term Investments	216.9M	233.8M	391.9M	445.4M	406.5M	245.2M	195.7M	194.6M	229.3M	249.9M	268.5M	281.1M	297.9M	297.8M	321.4M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	405.1M	293M	474.3M	517M	684M	406.8M	244.8M	237.9M	286.6M	320M	308.3M	350.2M	374.7M	346.7M	350.6M	24.7M	34.7M	21.2M	27.6M	18.9M
Net Receivables	0.0	0.0	0.0	37.9M	19.2M	18.2M	16.4M	18.3M	13.9M	11.7M	10.6M	10.9M	15.3M	13.4M	14.4M	25.4M	21.6M	14.1M	11.9M	10.1M
Accounts Receivables	0.0	0.0	0.0	37.9M	19.2M	18.2M	16.4M	18.3M	13.9M	11.7M	10.6M	10.9M	15.3M	13.4M	14.4M	25.4M	21.6M	14.1M	11.9M	10.1M
Total Current Assets	405.1M	293M	474.3M	554.9M	703.3M	425M	261.2M	256.2M	300.5M	331.7M	318.9M	361.1M	390M	360M	365M	50.1M	56.3M	35.3M	39.5M	29M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	14.2M	18.9M	21.4M	23.3M	20.7M	22M	22.2M	18.5M	19.9M	16.5M	17M	17M	16.4M	15.9M	16.9M	17.3M	17.9M	18.3M	18.2M	12.8M
Goodwill & Intangible Assets	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	-5.5M	0.0	0.0
Long-Term Investments	1.4B	1.3B	1.1B	1B	882.8M	952M	851.8M	802.6M	756.1M	724.6M	687.3M	646.2M	612.9M	618.1M	664.8M	992.7M	966.9M	901.4M	840.6M	768M
Tax Assets	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	5.5M	0.0	0.0
Other Non-Current Assets	-1.4B	53.3M	54.6M	17.7M	17.4M	17.1M	19.6M	16M	15.7M	15.2M	15.3M	16.1M	15.4M	19.5M	20.4M	7.5M	7.3M	13.8M	8.9M	9.2M
Total Non-Current Assets	14.2M	1.4B	1.2B	1.1B	920.9M	991.1M	893.7M	837M	791.7M	756.3M	719.5M	679.4M	644.7M	653.5M	702.1M	1B	993.9M	933.4M	865.6M	789.9M
Other Assets	1.3B	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
Total Assets	1.7B	1.7B	1.6B	1.6B	1.6B	1.4B	1.2B	1.1B	1.1B	1.1B	1B	1B	1B	1B	1.1B	1.1B	1B	968.8M	907.3M	818.9M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	12.2M	11.8M	10.1M	10.8M	13.7M	10.9M	10.6M	9.4M	8.1M	20.6M	9M	6.7M	0.0	0.0	4.9M	6.2M	4.4M
Accounts Payable	0.0	0.0	0.0	12.2M	11.8M	10.1M	10.8M	13.7M	10.9M	10.6M	9.4M	8.1M	20.6M	9M	6.7M	0.0	0.0	4.9M	6.2M	4.4M
Short Term Debt	750K	0.0	86.7M	47.7M	37.1M	26.2M	24.2M	58.1M	37.8M	36.4M	27.9M	48.4M	45.4M	34.6M	39.6M	35.7M	37.5M	44.1M	27.6M	97.3M
Other Current Liabilities	393.8M	1.5B	1.4B	1.4B	1.4B	1.2B	966.5M	877.2M	907M	892.9M	832.2M	814.7M	799.4M	781.5M	827.1M	838.7M	809.3M	721.1M	693.6M	633.8M
Total Current Liabilities	394.6M	1.5B	1.5B	1.5B	1.5B	1.3B	1B	949M	955.6M	939.9M	869.5M	871.2M	865.3M	825.2M	873.4M	874.4M	846.9M	770M	727.4M	735.5M
NON-CURRENT LIABILITIES
Long Term Debt	15.5M	15.5M	15.5M	15.5M	15.5M	15.5M	15.6M	20.6M	20.6M	40.6M	64.1M	70.6M	85.6M	90.6M	90.6M	90.6M	97.6M	97.6M	109.7M	111.5M
Other Non-Current Liabilities	1.1B	17.1M	15.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	5.8M	4.8M	250.0	0.0	-90.9M
Total Non-Current Liabilities	1.2B	36.7M	36.1M	20.6M	20.1M	18.9M	19.3M	20.6M	20.6M	40.6M	64.1M	70.6M	85.6M	90.6M	90.6M	96.4M	102.4M	97.6M	109.7M	20.6M
Capital Lease Obligations	2.9M	4.1M	4.8M	5.2M	4.7M	3.5M	3.6M	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
Total Liabilities	1.5B	1.5B	1.5B	1.5B	1.5B	1.3B	1B	969.6M	976.2M	980.6M	933.6M	941.8M	951M	915.8M	964M	970.8M	949.3M	867.6M	837.2M	756.1M
SHAREHOLDERS' EQUITY
Treasury Stock	-1.5M	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
Preferred Stock	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	12.5M	24.8M	24.6M	24.5M	24.4M	0.0	0.0
Common Stock	48.7M	46.9M	48.7M	50.5M	51.3M	55.1M	59.8M	62.1M	62.1M	44.2M	46.2M	48.1M	48.1M	48.1M	48.3M	0.0	48.3M	48.3M	0.0	0.0
Additional Paid-In Capital	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	48.3M	48.3M	48.3M	48.3M	48.7M	51.1M
Retained Earnings	135.6M	121.1M	109.8M	100.2M	89M	77.6M	70.7M	60.5M	50.3M	60.3M	53.2M	45.1M	36.8M	31.5M	26.9M	23.6M	23.6M	23M	19.7M	12.5M
Accumulated Other Comprehensive Income/Loss	-25.7M	-39.2M	-39.4M	-47.6M	96K	5.4M	3.6M	986K	3.6M	3M	5.5M	5.5M	-1.2M	5.6M	-45.2M	387K	-45.4M	-42.7M	1.7M	-771K
Other Total Stockholders' Equity	0.0	1.8M	1.9M	2.2M	2M	1.8M	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
Total Stockholders' Equity	157.1M	130.6M	121M	105.2M	142.4M	139.9M	134.1M	123.6M	116M	107.4M	104.9M	98.7M	83.7M	97.7M	103M	96.9M	99.2M	101.1M	70.1M	62.8M
Total Equity	157.1M	130.6M	121M	105.2M	142.4M	139.9M	134.1M	123.6M	116M	107.4M	104.9M	98.7M	83.7M	97.7M	103M	96.9M	99.2M	101.1M	70.1M	62.8M
SUMMARY
Total Liabilities & Equity	1.7B	1.7B	1.6B	1.6B	1.6B	1.4B	1.2B	1.1B	1.1B	1.1B	1B	1B	1B	1B	1.1B	1.1B	1B	968.8M	907.3M	818.9M
Total Investments	1.6B	1.5B	1.5B	1.5B	1.3B	1.2B	1B	997.2M	985.4M	974.6M	955.8M	927.3M	910.8M	915.9M	986.1M	992.7M	966.9M	901.4M	840.6M	768M
Total Debt	19.1M	19.6M	107M	68.3M	57.2M	45.1M	43.5M	78.7M	58.4M	77.1M	92M	119M	131M	125.2M	130.2M	126.3M	135.1M	141.7M	137.3M	208.8M
Net Debt	-8.6M	-39.7M	24.6M	-3.3M	-220.3M	-116.4M	-5.6M	35.3M	1.1M	7M	52.2M	50M	54.2M	76.4M	101M	101.6M	100.4M	120.5M	109.7M	190M
Shares Outstanding	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018	5,309,018

SEC Filings

PEBK - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 08, 2026	May 07, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 20, 2026	April 20, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 25, 2026	March 25, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 11, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 26, 2026	January 26, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 04, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 20, 2025	October 20, 2025	2025	View Filing
10-Q 10-Q 2025 Q2 Q2	August 05, 2025	June 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	July 21, 2025	July 21, 2025	2025	View Filing

Showing 1 to 10 of 322 filings

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