PEBK
Peoples Bancorp of North Carolina, Inc.
NASDAQ · Financial Services · Banks - Regional · US
$44.14
+1.92%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 110.1M | 114.6M | 97.8M | 85.8M | 70.7M |
| Cost of Revenue | 26.0M | 25.5M | 26.4M | 18.7M | 4.8M |
| Gross Profit | 84.1M | 89.1M | 71.4M | 67.1M | 65.9M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 33.5M | 37.2M | 29.8M | 28.1M | 27.3M |
| General & Admin Expense | 32.5M | 37.2M | 29.0M | 27.4M | 26.6M |
| Selling & Marketing Expense | 1.0M | — | 791.0K | 750.0K | 693.0K |
| Other Expenses | 24.6M | 26.0M | 20.7M | 19.0M | 18.3M |
| Total Operating Expenses | 58.2M | 63.2M | 50.5M | 47.1M | 45.6M |
| Cost and Expenses | 84.2M | 88.7M | 76.9M | 65.9M | 50.4M |
| Operating Income (EBIT) | 25.9M | 25.9M | 20.9M | 19.9M | 20.3M |
| Non-Operating | |||||
| Interest Income | 84.7M | 83.6M | 80.7M | 71.9M | 54.4M |
| Interest Expense | 23.8M | 24.6M | 26.7M | 17.1M | 3.3M |
| Net Interest Income | 60.9M | 59.0M | 54.1M | 54.7M | 51.1M |
| Other Non-Op Income/Expense | — | — | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 25.9M | 25.9M | 20.9M | 19.9M | 20.3M |
| Income Tax Expense | 6.0M | 6.0M | 4.6M | 4.4M | 4.2M |
| Bottom Line | |||||
| Net Income | 20.0M | 19.8M | 16.4M | 15.5M | 16.1M |
| Earnings from Cont. Ops | 20.0M | 19.8M | 16.4M | 15.5M | 16.1M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 20.0M | 19.8M | 16.4M | 15.5M | 16.1M |
| Per Share | |||||
| Basic EPS | $3.06 | $2.94 | $3.08 | $2.87 | $2.94 |
| Diluted EPS | $2.96 | $2.94 | $2.98 | $2.77 | $2.85 |
| Revenue Per Share | $20.78 | $16.98 | $18.45 | $15.83 | $12.90 |
| Shares | |||||
| Basic Shares Outstanding | 5.3M | 6.7M | 5.3M | 5.4M | 5.5M |
| Diluted Shares Outstanding | 5.5M | 6.7M | 5.5M | 5.6M | 5.7M |
| Profitability Metrics | |||||
| EBITDA | 28.6M | 28.6M | 23.8M | 23.0M | 26.3M |
| D&A | 2.7M | 2.7M | 2.9M | 3.1M | 6.0M |
| EBIT | 25.9M | 25.9M | 20.9M | 19.9M | 20.3M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026