Peoples Bancorp of North Carolina, Inc.

NASDAQ•PEBK

CEO: Mr. William D. Cable Sr.

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1985-10-16

Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses. It offers checking, savings, money market, and retirement accounts; certificates of deposits; and credit and debit cards. The company also originates commercial real estate loans, commercial loans, construction and land development loans, and residential mortgage loans; and individual taxpayer identification number mortgage loans, as well as agricultural loans. In addition, it 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. Further, 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. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.

Contact Information

518 West C Street, Newton, NC, 28658, United States

828-464-5620

www.peoplesbanknc.com

Market Cap

$203.66M

P/E (TTM)

16.0

14.1

Dividend Yield

2.0%

52W High

$40.74

52W Low

$23.74

52W Range

86%

Rank28Top 16.1%

5.3

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 5.3 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$31.15M+26.00%

4-Quarter Trend

EPS

$0.80+19.40%

4-Quarter Trend

FCF

$0.00+0.00%

4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

NII Expansion Strong 9-month NII (taxable equivalent) reached $43.7M, up $3.4M year-over-year; Net Interest Spread improved to 2.86%.

Loan Portfolio Growth Total loans grew 4.0% to $1.18B by September 30, 2025; Non-interest income increased to $21.3M driven by fee income.

Capital Ratios Strengthened CET1 ratio rose to 13.68% and Total Risk-Based Capital ratio reached 15.70%, demonstrating robust capital adequacy.

Net Earnings Increased Nine-month net earnings rose to $13.2M from $12.8M last year; diluted EPS increased to $2.41 per share.

Risk Factors

Increased Credit Provisioning Provision for credit losses for nine months was $585K expense versus $80K recovery last year, reflecting higher construction loan reserves.

Interest Rate Sensitivity Average loan yield decreased slightly to 5.06% for nine months, indicating potential pressure from lower FOMC target rates.

Loan Portfolio Concentration Substantial portion of loan portfolio collateralized by real estate, dependent on local market conditions and property values.

Litigation Expense Impact Legal fees increased significantly due to NCDOT litigation, impacting non-interest expense during the reporting period.

Outlook

Credit Quality Monitoring Management continues rigorous loan grading and qualitative adjustments for ACL estimation under CECL methodology.

Liquidity Position Stable Liquidity ratio remains strong at 30.14%, well above the 10% minimum required ratio, supported by core deposits.

Capital Buffer Maintained Capital levels remain significantly above "well capitalized" thresholds, allowing flexibility for operations and potential growth.

Moderate Economic Growth Expect continued moderate economic growth locally, though national market uncertainty remains a factor influencing credit risk.

Peer Comparison

Revenue (TTM)

MRBK

$205.49M

+4.1%

HNVR

$143.32M

-3.4%

MNSB

$135.47M

-1.7%

Gross Margin (Latest Quarter)

UBFO

80.5%

+10.2pp

PEBK

79.1%

+4.8pp

FCAP

76.9%

+4.2pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
MRBK	$229.90M	10.3	11.8%	6.5%
PEBK	$203.66M	16.0	13.5%	0.9%
OVBC	$202.38M	13.0	9.6%	3.5%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

9.3%

Steady Growth

4Q Net Income CAGR

15.1%

Profitability Improved

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 20, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data