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Side-by-side financial comparison of PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) and Americas Gold & Silver Corp (USAS). Click either name above to swap in a different company.
PEOPLES BANCORP OF NORTH CAROLINA INC is the larger business by last-quarter revenue ($21.5M vs $19.1M, roughly 1.1× Americas Gold & Silver Corp). PEOPLES BANCORP OF NORTH CAROLINA INC runs the higher net margin — 30.8% vs -82.3%, a 113.1% gap on every dollar of revenue. On growth, PEOPLES BANCORP OF NORTH CAROLINA INC posted the faster year-over-year revenue change (5.6% vs -28.0%). PEOPLES BANCORP OF NORTH CAROLINA INC produced more free cash flow last quarter ($20.0M vs $-41.3M).
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.
Pan American Silver Corporation is a mining company based in Canada with operations in Latin America. The company has mines and other projects in Mexico, Peru, Bolivia, and Argentina.
PEBK vs USAS — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.5M | $19.1M |
| Net Profit | $6.6M | $-15.7M |
| Gross Margin | — | 34.2% |
| Operating Margin | 40.7% | — |
| Net Margin | 30.8% | -82.3% |
| Revenue YoY | 5.6% | -28.0% |
| Net Profit YoY | 86.4% | 2.8% |
| EPS (diluted) | $1.21 | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $21.5M | — | ||
| Q3 25 | $21.4M | $19.1M | ||
| Q2 25 | $20.7M | — | ||
| Q1 25 | $20.0M | — | ||
| Q4 24 | $20.4M | — | ||
| Q3 24 | $20.5M | $26.5M | ||
| Q2 24 | $20.1M | — | ||
| Q1 24 | $19.8M | — |
| Q4 25 | $6.6M | — | ||
| Q3 25 | $3.7M | $-15.7M | ||
| Q2 25 | $5.2M | — | ||
| Q1 25 | $4.3M | — | ||
| Q4 24 | $3.6M | — | ||
| Q3 24 | $4.0M | $-16.2M | ||
| Q2 24 | $4.9M | — | ||
| Q1 24 | $3.9M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.6% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 40.7% | — | ||
| Q3 25 | 22.4% | — | ||
| Q2 25 | 32.2% | — | ||
| Q1 25 | 28.2% | — | ||
| Q4 24 | 22.5% | — | ||
| Q3 24 | 26.0% | — | ||
| Q2 24 | 31.3% | — | ||
| Q1 24 | 23.9% | — |
| Q4 25 | 30.8% | — | ||
| Q3 25 | 17.2% | -82.3% | ||
| Q2 25 | 24.9% | — | ||
| Q1 25 | 21.8% | — | ||
| Q4 24 | 17.5% | — | ||
| Q3 24 | 19.3% | -60.9% | ||
| Q2 24 | 24.4% | — | ||
| Q1 24 | 19.9% | — |
| Q4 25 | $1.21 | — | ||
| Q3 25 | $0.67 | — | ||
| Q2 25 | $0.95 | — | ||
| Q1 25 | $0.79 | — | ||
| Q4 24 | $0.65 | — | ||
| Q3 24 | $0.72 | — | ||
| Q2 24 | $0.89 | — | ||
| Q1 24 | $0.72 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $58.1M | $39.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $157.1M | $50.2M |
| Total Assets | $1.7B | $234.7M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $58.1M | — | ||
| Q3 25 | — | $39.1M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $59.3M | — | ||
| Q3 24 | $73.2M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $157.1M | — | ||
| Q3 25 | $149.5M | $50.2M | ||
| Q2 25 | $144.0M | — | ||
| Q1 25 | $138.5M | — | ||
| Q4 24 | $130.6M | — | ||
| Q3 24 | $136.3M | $53.1M | ||
| Q2 24 | $124.3M | — | ||
| Q1 24 | $121.1M | — |
| Q4 25 | $1.7B | — | ||
| Q3 25 | $1.7B | $234.7M | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.7B | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $21.4M | $-12.5M |
| Free Cash FlowOCF − Capex | $20.0M | $-41.3M |
| FCF MarginFCF / Revenue | 92.7% | -216.5% |
| Capex IntensityCapex / Revenue | 6.6% | 150.8% |
| Cash ConversionOCF / Net Profit | 3.22× | — |
| TTM Free Cash FlowTrailing 4 quarters | $34.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.4M | — | ||
| Q3 25 | $4.7M | $-12.5M | ||
| Q2 25 | $5.5M | — | ||
| Q1 25 | $5.9M | — | ||
| Q4 24 | $20.6M | — | ||
| Q3 24 | $4.9M | $2.4M | ||
| Q2 24 | $6.7M | — | ||
| Q1 24 | $3.7M | — |
| Q4 25 | $20.0M | — | ||
| Q3 25 | $4.4M | $-41.3M | ||
| Q2 25 | $5.4M | — | ||
| Q1 25 | $5.2M | — | ||
| Q4 24 | $20.0M | — | ||
| Q3 24 | $4.7M | $-11.2M | ||
| Q2 24 | $6.6M | — | ||
| Q1 24 | $3.5M | — |
| Q4 25 | 92.7% | — | ||
| Q3 25 | 20.4% | -216.5% | ||
| Q2 25 | 25.9% | — | ||
| Q1 25 | 25.8% | — | ||
| Q4 24 | 98.0% | — | ||
| Q3 24 | 22.9% | -42.2% | ||
| Q2 24 | 32.7% | — | ||
| Q1 24 | 17.9% | — |
| Q4 25 | 6.6% | — | ||
| Q3 25 | 1.5% | 150.8% | ||
| Q2 25 | 0.5% | — | ||
| Q1 25 | 3.8% | — | ||
| Q4 24 | 2.9% | — | ||
| Q3 24 | 1.0% | 51.2% | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 0.6% | — |
| Q4 25 | 3.22× | — | ||
| Q3 25 | 1.27× | — | ||
| Q2 25 | 1.06× | — | ||
| Q1 25 | 1.36× | — | ||
| Q4 24 | 5.78× | — | ||
| Q3 24 | 1.24× | — | ||
| Q2 24 | 1.36× | — | ||
| Q1 24 | 0.93× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
