PEBK - NASDAQ
Peoples Bancorp of North Carolina, Inc.
$41.13
-1.9%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.
At a Glance
Live SnapshotPeoples Bancorp of North Carolina, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Flat FCF growth. Stable but not expanding—monitor for signs of business maturity or temporary headwinds.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Peoples Bancorp of North Carolina, Inc. Cash Flow Statement
PEBK • NASDAQ
| Peoples Bancorp of North Carolina, Inc. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
19.8M | 16.4M | 15.5M | 16.1M | 15.1M | 11.4M | 14.1M | 13.4M | 10.3M | 9.2M | 9.6M | 9.4M | 6.7M | 5.8M | 5.2M | 1.8M | 2.9M | 6.4M | 9.6M | 9.2M | |
0.0 | 2.9M | 3.1M | 6M | 5.6M | 4.2M | 4M | 4.6M | 5M | 5.4M | 6.1M | 6.9M | 8.5M | 8.9M | 6.2M | 5M | 2.9M | 1.7M | 1.6M | 2.1M | |
0.0 | 1M | -453K | -541K | -227K | -560K | 164K | 78K | 2.1M | 1.1M | 673K | 178K | 534K | -213K | -678K | -523K | -1.7M | -485K | -480K | -615.6K | |
0.0 | 212K | 187K | 249K | 181K | 27K | 270K | 85K | 592K | 932K | 487K | 389K | 173K | 42K | 7K | 10K | 0.0 | 0.0 | 0.0 | 0.0 | |
1.1M | -578K | 3.4M | 5M | 4.2M | -3.1M | -2.9M | 391K | 4.6M | -3.6M | -3M | 535K | 2.6M | 4.8M | 9.7M | 14.1M | 10M | 5.3M | 2.7M | 3.6M | |
(4.9M) | (4.5M) | (4.4M) | (4.7M) | (3.7M) | (2.8M) | (3.2M) | (1.2M) | (2.4M) | (2M) | (2.3M) | (1.9M) | (2.3M) | (2M) | (283K) | (1.7M) | (2.2M) | (0.0) | (0.0) | (0.0) | |
488K | 650K | 979K | -4.2M | 2M | -2.8M | -2.4M | -1.3M | -4M | -831K | 53K | -15.5M | 6.5M | -313K | 1.9M | -2.6M | -9.4M | -2.1M | 1.1M | 590.2K | |
21.4M | 20.6M | 22.8M | 22.7M | 26.9M | 9.2M | 13.2M | 17.2M | 18.6M | 12.2M | 13.9M | 1.9M | 24.9M | 19M | 22.4M | 17.8M | 4.7M | 10.7M | 14.5M | 14.8M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-1.4M | -587K | -1.9M | -4.6M | -484K | -2.5M | -2.8M | -1.7M | -5.6M | -1.6M | -2.4M | -3.1M | -2.4M | -917K | -1.6M | -1.4M | -1.6M | -1.9M | -7.6M | -1.6M | |
-18.2M | -29.1M | -9.6M | -149.7M | -209.3M | -127.9M | -54.3M | -37.3M | -10.1M | -13M | -19.2M | -32.9M | -98.1M | -88.8M | -209.1M | -232.9M | -143.2M | -45.8M | -24.2M | -43.3M | |
44.1M | 32.6M | 70.4M | 46.4M | 38.4M | 81.8M | 55.3M | 63.9M | 27.4M | 24.7M | 28.2M | 56.4M | 81.1M | 110.3M | 165M | 153.3M | 68.8M | 44.2M | 24.3M | 39.7M | |
-66.4M | -45.6M | -59.6M | -148.1M | 65.4M | -100.3M | -46.3M | -43.5M | -35.9M | -33.8M | -36.8M | -32.3M | 269K | 44.2M | 37.9M | 37M | -4.5M | -62.3M | -73M | -87M | |
-41.8M | -42.6M | -753K | -256M | -106.1M | -149M | -48.2M | -18.6M | -24.1M | -23.6M | -30.1M | -11.9M | -19.2M | (64.8M) | -7.7M | -44M | -80.4M | -65.7M | -80.6M | -92.2M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
50K | -2M | -2M | -710K | -3.6M | -3M | -2.5M | 0.0 | 0.0 | -2M | -1.9M | -82K | 0.0 | 0.0 | 17K | 12K | 0.0 | -1.1M | -2.5M | 589.4K | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -155K | -5M | 0.0 | -20M | -23.5M | -6.5M | -15M | -5M | 0.0 | -1.6M | -6M | -6M | -5.5M | 19.4M | 23.3M | |
-5.2M | -5M | -5.1M | -4.9M | -3.8M | -4.4M | -3.9M | -3.1M | -2.6M | -2.1M | -1.6M | -1M | -1.4M | -2M | -1.7M | -1.7M | -2.6M | -2.7M | -2.3M | -1.9M | |
(0.0) | -2M | -2M | -710K | -3.6M | -3M | -2.5M | (0.0) | (0.0) | -2M | -1.9M | -82K | -12.5M | -12.1M | (0.0) | (0.0) | (0.0) | -1.1M | -2.8M | (0.0) | |
24.5M | 6M | -4.1M | 33.1M | 202.6M | 256.5M | 55.4M | -9.4M | 15.4M | 69.3M | -3.1M | 30.9M | 41.2M | -50.1M | -6.1M | 26.6M | 88.3M | 37.4M | 59.8M | 51M | |
19.3M | -1M | -11.2M | 27.4M | 195.2M | 249M | 44M | -12.5M | -7.3M | 41.7M | -13.1M | 2.3M | 22.2M | -64.2M | -9.4M | 18.9M | 79.1M | 53.1M | 74.4M | 79.1M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
1.2M | 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 | |
-1.2M | -23.1M | 10.8M | -205.9M | 115.9M | 109.2M | 9M | -13.9M | -12.8M | 30.3M | -29.3M | -7.7M | 27.9M | 19.6M | 5.3M | -7.4M | 3.4M | -1.9M | 8.3M | 1.7M | |
59.3M | 82.4M | 71.6M | 277.5M | 161.6M | 52.4M | 43.4M | 57.3M | 70.1M | 39.8M | 69.1M | 76.8M | 48.8M | 29.2M | 24M | 31.3M | 27.9M | 29.8M | 21.5M | 19.8M | |
58.1M | 59.3M | 82.4M | 71.6M | 277.5M | 161.6M | 52.4M | 43.4M | 57.3M | 70.1M | 39.8M | 69.1M | 76.8M | 48.8M | 29.2M | 24M | 31.3M | 27.9M | 29.8M | 21.5M | |
20M | 20M | 20.8M | 18.1M | 26.4M | 6.7M | 10.4M | 15.4M | 13M | 10.6M | 11.5M | -1.2M | 22.5M | 18.1M | 20.8M | 16.4M | 3.1M | 8.9M | 6.9M | 13.2M |
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 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 20, 2026 | April 20, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 25, 2026 | March 25, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 11, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 26, 2026 | January 26, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 04, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 20, 2025 | October 20, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 05, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | July 21, 2025 | July 21, 2025 | 2025 |
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