← Russell 3000 cross-section

PEBK PEOPLES BANCORP OF NORTH CAROLINA INC

Trailing twelve months to 2026-06-30 · as filed 2026-08-04, not restated
Financials

Scale

Market cap
$228m
Revenue TTM
$92m
Net income TTM
$20m
Free cash flow
$20m
Composite score
52.7
Sector rank
#2808

Valuation

P / E
11.4
EV / EBITDA
EV / sales
1.8
FCF yield
8.79%
Earnings yield vs 10-yr
4.04pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
21.7%
EBITDA margin
ROE
12.4%
ROIC
Revenue growth
9.3%

Insider activity, last 90 days

Net open-market
$-0.73m
Buyers
1
Sellers
3

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

During the six months ended June 30, 2025, proceeds from sales of securities available for sale were $ 12.7 million and resulted in gross losses of $ 47,000 and gross gains of $ 43,000 . The Bank’s executive management team reviews actual net income versus budgeted net income for the Banking Operations and CBRES operating segments on a quarterly basis to assess segment performance. Other income consists primarily of miscellaneous fees related to our loans and deposits, mortgage banking income and commissions from sales of annuities and mutual funds. …PEOPLES BANCORP OF NORTH CAROLINA INC, 10-Q, period ended 2026-06-30, filed 2026-08-04

Read the full passage →