Peoples Bancorp of North Carolina, Inc. (PEBK) — Financial statements
Income statement, balance sheet, and cash flow for Peoples Bancorp of North Carolina, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 115↑17.2% | 98↑14.0% | 86↑21.3% | 71↑10.7% | 64 | |
| Cost of Revenue | 26↓3.1% | 26↑40.9% | 19↑290.2% | 5↑134.8% | 2 | |
| Gross Profit | 89↑24.7% | 71↑6.5% | 67↑1.7% | 66↑6.6% | 62 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 37↑28.4% | 29↑5.8% | 27↑3.0% | 27↑6.7% | 25 | |
| Selling & Marketing Expenses | 0.00↓100.0% | 0.79↑5.5% | 0.75↑8.2% | 0.69↑29.3% | 0.54 | |
| SG&A Expenses | 37↑25.0% | 30↑5.8% | 28↑3.1% | 27↑7.2% | 25 | |
| Other Expenses | 26↑25.5% | 21↑9.1% | 19↑3.6% | 18↑5.1% | 17 | |
| Operating Expenses | 63↑25.2% | 50↑7.1% | 47↑3.3% | 46↑6.3% | 43 | |
| Total Costs & Expenses | 89↑15.5% | 77↑16.7% | 66↑30.6% | 50↑12.2% | 45 | |
| Operating Results | ||||||
| Operating Income | 26↑23.5% | 21↑5.0% | 20↓1.8% | 20↑7.2% | 19 | |
| Depreciation & Amortization | 0.00↓100.0% | 3↓7.5% | 3↓48.2% | 6↑8.3% | 6 | |
| EBITDA | 26↑8.5% | 24↑3.3% | 23↓12.4% | 26↑7.5% | 24 | |
| EBIT | 26↑23.5% | 21↑5.0% | 20↓1.8% | 20↑7.2% | 19 | |
| Interest & Other Income | ||||||
| Net Interest Income | 59↑9.1% | 54↓1.2% | 55↑7.1% | 51↑16.2% | 44 | |
| Interest Income | 84↑3.6% | 81↑12.3% | 72↑32.0% | 54↑15.4% | 47 | |
| Interest Expense | 25↓7.7% | 27↑55.5% | 17↑415.9% | 3↑3.7% | 3 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 26↑23.5% | 21↑5.0% | 20↓1.8% | 20↑7.2% | 19 | |
| Income Tax Expense | 6↑31.6% | 5↑4.5% | 4↑4.9% | 4↑9.9% | 4 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 20↑21.3% | 16↑5.2% | 16↓3.6% | 16↑6.5% | 15 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 20↑21.3% | 16↑5.2% | 16↓3.6% | 16↑6.5% | 15 | |
| Bottom-Line Net Income | 20↑21.3% | 16↑5.2% | 16↓3.6% | 16↑6.5% | 15 | |
| EPS (Basic) | 2.92↓5.2% | 3.08↑7.3% | 2.87↓2.4% | 2.94↑8.5% | 2.71 | |
| EPS (Diluted) | 2.94↓1.3% | 2.98↑7.6% | 2.77↓2.8% | 2.85↑8.4% | 2.63 | |
| Weighted Average Shares | 7↑28.3% | 5↓2.1% | 5↓1.2% | 5↓1.8% | 6 | |
| Weighted Average Diluted Shares | 7↑23.0% | 5↓2.2% | 6↓0.9% | 6↓1.5% | 6 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.