PEOPLES BANCORP OF NORTH CAROLINA INCPEBKEarnings & Financial Report
PEOPLES BANCORP OF NORTH CAROLINA INC is a regional bank holding company headquartered in North Carolina, U.S. It offers a full suite of personal and commercial banking services including deposit accounts, consumer and business loans, mortgage services, and wealth management solutions, primarily serving local residents, small and medium-sized enterprises, and community organizations across its operating areas in North Carolina.
PEBK Q4 FY2025 Key Financial Metrics
Revenue
$21.5M
Gross Profit
N/A
Operating Profit
$8.8M
Net Profit
$6.6M
Gross Margin
N/A
Operating Margin
40.7%
Net Margin
30.8%
YoY Growth
5.6%
EPS
$1.21
PEOPLES BANCORP OF NORTH CAROLINA INC Q4 FY2025 Financial Summary
PEOPLES BANCORP OF NORTH CAROLINA INC reported revenue of $21.5M (up 5.6% YoY) for Q4 FY2025, with a net profit of $6.6M (up 86.4% YoY) (30.8% margin).
Key Financial Metrics
| Total Revenue | $21.5M |
|---|---|
| Net Profit | $6.6M |
| Gross Margin | N/A |
| Operating Margin | 40.7% |
| Report Period | Q4 FY2025 |
PEOPLES BANCORP OF NORTH CAROLINA INC Annual Revenue by Year
PEOPLES BANCORP OF NORTH CAROLINA INC annual revenue history includes year-by-year totals (for example, 2025 revenue was $83.6M).
PEOPLES BANCORP OF NORTH CAROLINA INC Quarterly Revenue & Net Profit History
PEOPLES BANCORP OF NORTH CAROLINA INC results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $21.5M | +5.6% | $6.6M | 30.8% |
| Q3 FY2025 | $21.4M | +4.6% | $3.7M | 17.2% |
| Q2 FY2025 | $20.7M | +3.2% | $5.2M | 24.9% |
| Q1 FY2025 | $20.0M | +0.8% | $4.3M | 21.8% |
| Q4 FY2024 | $20.4M | +6.4% | $3.6M | 17.5% |
| Q3 FY2024 | $20.5M | +53.4% | $4.0M | 19.3% |
| Q2 FY2024 | $20.1M | +45.7% | $4.9M | 24.4% |
| Q1 FY2024 | $19.8M | +38.2% | $3.9M | 19.9% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $19.8M | $20.1M | $20.5M | $20.4M | $20.0M | $20.7M | $21.4M | $21.5M |
| YoY Growth | 38.2% | 45.7% | 53.4% | 6.4% | 0.8% | 3.2% | 4.6% | 5.6% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $1.67B | $1.66B | $1.66B | $1.65B | $1.69B | $1.69B | $1.74B | $1.70B |
| Liabilities | $1.55B | $1.53B | $1.53B | $1.52B | $1.55B | $1.55B | $1.59B | $1.55B |
| Equity | $121.1M | $124.3M | $136.3M | $130.6M | $138.5M | $144.0M | $149.5M | $157.1M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $3.7M | $6.7M | $4.9M | $20.6M | $5.9M | $5.5M | $4.7M | $21.4M |