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Peoples Bancorp Of North Carolina(NASDAQ) PEBK

Market Cap$240.09MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1986)+3,905%
5 Year+83%
1 Year+52%
1 Month+3%
$44.33
+0.84%
+0.37Today
Peoples Bancorp Of North Carolina last closing stock price
MetricPriceDate
Last closeUSD 43.962026-08-20
Peoples Bancorp Of North Carolina stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.35%USD 44.562026-08-13
1 month+3.02%USD 42.672026-07-21
3 month+5.07%USD 41.842026-05-22
Year to date+23.28%USD 35.662025-12-31
1 year+51.87%USD 28.952025-08-20
3 year+144.63%USD 17.972023-08-21
5 year+83.19%USD 24.002021-08-20
Since inception+3,905.44%USD 1.101986-03-05

Peoples Bancorp Of North Carolina Financials at a Glance

Market Cap

$240.09MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$110.13M

Net Income (TTM)

$19.96M

EPS (TTM)

$3.65

P/E Ratio

12.05

Dividend

$0.82

Beta (Volatility)

0.39 (Low)

Price

$44.33

Volume

150,882

Open

$44.13

Previous Close

$44.33

Daily Range

$43.50 - $44.74

52-Week Range

$27.20 - $45.78

Estimated Earnings Date

Oct 19, 2026

PEBK News

No articles available.

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About Peoples Bancorp Of North Carolina

Peoples Bancorp of North Carolina, Inc. handles money for families. It provides checking accounts and home mortgages. The bank also offers local investment advice.

Loans, Deposits, and Local Services

  • Lending Services: Commercial, real estate mortgage, and Individual Taxpayer Identification Number (ITIN) loans for individuals and businesses.
  • Deposit Products: Checking, savings, and money market accounts plus certificates of deposit for local customers.
  • Investment and Insurance: Asset management, brokerage, and insurance agency products for personal and business needs.
  • Appraisal Clearing-House: Real estate appraisal and brokerage services provided to other community banks and financial institutions.

Growth Through Regional Expansion

  • Authorized a $3.0 million stock repurchase program in March 2025 that expired in February 2026.
  • Established loan production offices in Charlotte, Denver, Salisbury, and Winston-Salem to reach new North Carolina markets.
  • Maintained 17 full-service banking branches across counties including Catawba, Lincoln, and Mecklenburg as of year-end 2021.

What Makes the Bank Different?

Peoples Bancorp focuses on quick senior management responses to meet local customer needs. It operates as a well-capitalized institution with deep expertise in several North Carolina counties.

Recent Financial Results

  • Net interest income was $16.0 million for the three months ended June 30, 2026, compared to $14.6 million for the three months ended June 30, 2025.
  • Total loans reached $1.28 billion as of June 30, 2026, up from $1.20 billion at Dec. 31, 2025.
  • Market capitalization reached $228.3 million in the second quarter of 2026, up 49.2% year over year.
  • Net earnings reached $9.6 million for the six-month period ended June 30, 2026.

Bottom Line

Peoples Bancorp has evolved from its 1912 founding into a diversified community bank with a multicounty presence. It successfully combines traditional banking with specialized services like appraisal management and insurance.

AI Generated • Aug 5, 2026

Industry

Banks

Sector

Financials

Employees

268

CEO

William D. Cable, Sr.

Website

www.peoplesbanknc.com

Headquarters

Newton, NC 28658-4007, US

PEBK Financials

Key Financial Metrics (TTM)

Gross Margin

76.39%

Operating Margin

23.55%

Net Income Margin

18.12%

Return on Equity

12.75%

Return on Capital

14.67%

Return on Assets

1.13%

Earnings Yield

8.30%

Dividend Yield

1.86%

Payout Ratio

27.10%

Stock Overview

Market Cap

$240.09MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.46M

Volume

150.88K

Avg. Volume

38.49K

Financials (TTM)

Gross Profit

$84.13M

Operating Income

$25.93M

EBITDA

$28.60M

Operating Cash Flow

$21.44M

Capital Expenditure

-$1.39M

Free Cash Flow

$20.05M

Cash & ST Invst.

$33.44M

Total Debt

$18.75M

Peoples Bancorp Of North Carolina Performance Analysis

Peoples Bancorp Of North Carolina annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 81,198,00012.8%
20232023-12-31USD 94,591,00016.5%
20242024-12-31USD 108,448,00014.6%
20252025-12-31USD 111,589,0002.9%
Peoples Bancorp Of North Carolina sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-0.6%
Q42025-12-3125.3%
Q12026-03-31-12.2%
Q22026-06-30-2.1%
Peoples Bancorp Of North Carolina annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.858.2%
20232023-12-31USD 2.77-2.7%
20242024-12-31USD 2.987.6%
20252025-12-31USD 3.6221.5%
Peoples Bancorp Of North Carolina sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-28.7%
Q42025-12-31-19.4%
Q12026-03-3148.1%
Q22026-06-3018.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$26.76M

+6.9%

Gross Profit

$20.43M

+6.8%

Gross Margin

76.33%

N/A

Market Cap

$240.09MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$895.85K

N/A

Employees

268

N/A

Net Income

$5.23M

+1.4%

EBITDA

$7.38M

+0.2%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$33.44M

-92.9%

Total Debt

$18.75M

-2.9%

Accounts Receivable

$31.12M

N/A

Inventory

$0.00

N/A

Long Term Debt

$18.75M

-2.9%

Short Term Debt

$367.00K

N/A

Return on Assets

1.13%

N/A

Return on Invested Capital

1.47%

N/A

Free Cash Flow

$6.04M

+12.5%

Operating Cash Flow

$6.44M

+17.7%

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Questions About PEBK

What is the current price of Peoples Bancorp Of North Carolina?

Peoples Bancorp Of North Carolina is trading at $44.33 per share.

What is the 52-week range for Peoples Bancorp Of North Carolina?

Over the past 52 weeks, Peoples Bancorp Of North Carolina has traded between $27.20 and $45.78.

How much debt does Peoples Bancorp Of North Carolina have?

As of the most recent reporting period, Peoples Bancorp Of North Carolina reported total debt of $18.75M.

How much cash does Peoples Bancorp Of North Carolina have on hand?

Peoples Bancorp Of North Carolina does not have cash on hand data available.

What is Peoples Bancorp Of North Carolina’s dividend yield?

Peoples Bancorp Of North Carolina currently has a dividend yield of 1.86%.

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