$PEBK
Market Cap:
$173.2 Million
Financial Snapshot
Revenues
Revenues
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Revenue YoY Change
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Revenues
Expenses
Cost Of Revenues
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Gross Profit
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Gross Profit Margin
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Gross Profit
| Concept | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | 1989 | 1988 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $71.86M | $54.43M | $47.18M | $47.96M | $49.60M | |||||||||||||||||||||||||||||||
| Cost Of Revenue | ||||||||||||||||||||||||||||||||||||
| Gross Profit | ||||||||||||||||||||||||||||||||||||
| Gross Profit Margin |
Selling, General & Admin Expense
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Research & Development
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Depreciation, Depletion & Amortization
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SGA Expense to Gross Profit Ratio
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R&D To Gross Profit Ratio
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DDA To Gross Profit Ratio
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Operating Expenses Total
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Operating Profits/Loss
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Operational Expenses
| Concept | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | 1989 | 1988 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Selling, General & Admin | ||||||||||||||||||||||||||||||||||||
| YoY Change | ||||||||||||||||||||||||||||||||||||
| % of Gross Profit | ||||||||||||||||||||||||||||||||||||
| Research & Development | ||||||||||||||||||||||||||||||||||||
| YoY Change | ||||||||||||||||||||||||||||||||||||
| % of Gross Profit | ||||||||||||||||||||||||||||||||||||
| Depreciation & Amortization | $2.200M | $2.400M | $2.600M | $2.500M | $2.300M | $4.570M | $5.020M | $5.420M | $6.050M | $6.890M | $8.450M | $8.880M | $6.230M | $4.970M | $2.930M | $1.680M | $1.550M | $1.620M | $1.640M | $1.560M | $1.960M | $1.690M | $1.580M | $1.530M | $1.800M | $1.640M | $1.270M | $1.090M | $820.0K | $590.0K | $390.0K | $330.0K | $250.0K | $430.0K | $430.0K | $330.0K |
| YoY Change | -8.33% | -7.69% | 4.0% | 8.7% | -49.67% | -8.96% | -7.38% | -10.41% | -12.19% | -18.46% | -4.84% | 42.54% | 25.35% | 69.62% | 74.4% | 8.39% | -4.32% | -1.22% | 5.13% | -20.41% | 15.98% | 6.96% | 3.27% | -15.0% | 9.76% | 29.13% | 16.51% | 32.93% | 38.98% | 51.28% | 18.18% | 32.0% | -41.86% | 0.0% | 30.3% | |
| % of Gross Profit | ||||||||||||||||||||||||||||||||||||
| Operating Expenses | ||||||||||||||||||||||||||||||||||||
| YoY Change | ||||||||||||||||||||||||||||||||||||
| Operating Profit | ||||||||||||||||||||||||||||||||||||
| YoY Change |
Interest Expenses
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Interest Expenses To Operating Income %
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Other Expense/Income
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Interest & Other Expense/Income
| Concept | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | 1989 | 1988 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | $17.14M | $3.323M | $3.205M | $3.836M | $3.757M | |||||||||||||||||||||||||||||||
| YoY Change | 415.89% | 3.68% | -16.45% | 2.1% | ||||||||||||||||||||||||||||||||
| % of Operating Profit | ||||||||||||||||||||||||||||||||||||
| Other Income/Expense, Net | $1.417M | $213.0K | $144.0K | $200.0K | ||||||||||||||||||||||||||||||||
| YoY Change | 565.26% | 47.92% | -28.0% |
Income/Loss
Pretax Income
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Income Tax
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Net Profits/Loss
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Pretax Income YoY Change
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Income Tax Rate
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Net Profits/Loss YoY Change
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Basic EPS
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Net Income To Revenue Ratio
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Pretax & Net Income
| Concept | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | 1989 | 1988 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Pretax Income | $19.92M | $20.30M | $18.93M | $13.85M | $17.20M | $16.01M | $14.22M | $11.74M | $12.73M | $11.33M | $8.570M | $7.380M | $6.620M | $1.830M | $4.260M | $9.600M | $14.93M | $14.34M | $9.710M | $6.660M | $3.060M | $5.150M | $6.840M | $7.950M | $6.640M | $5.860M | $3.560M | $2.750M | $2.390M | $1.060M | $2.030M | $1.950M | $1.720M | $1.760M | $1.540M | $1.850M |
| YoY Change | -1.83% | 7.22% | 36.71% | -19.51% | 7.45% | 12.59% | 21.12% | -7.78% | 12.36% | 32.21% | 16.12% | 11.48% | 261.75% | -57.04% | -55.63% | -35.7% | 4.11% | 47.68% | 45.8% | 117.65% | -40.58% | -24.71% | -13.96% | 19.73% | 13.31% | 64.61% | 29.45% | 15.06% | 125.47% | -47.78% | 4.1% | 13.37% | -2.27% | 14.29% | -16.76% | -26.29% |
| Income Tax | $4.377M | $4.172M | $3.796M | $2.489M | $3.136M | $2.620M | $3.360M | $2.560M | $3.100M | $1.940M | $1.880M | $1.590M | $1.460M | -$10.00K | $1.340M | $3.210M | $5.340M | $5.170M | $3.380M | $2.230M | $1.060M | $1.710M | $2.260M | $2.580M | $2.090M | $1.850M | $1.150M | $720.0K | $650.0K | $90.00K | $350.0K | $330.0K | $290.0K | $390.0K | $240.0K | $470.0K |
| % Of Pretax Income | 21.97% | 20.56% | 20.05% | 17.98% | 18.23% | 16.36% | 23.63% | 21.81% | 24.35% | 17.12% | 21.94% | 21.54% | 22.05% | -0.55% | 31.46% | 33.44% | 35.77% | 36.05% | 34.81% | 33.48% | 34.64% | 33.2% | 33.04% | 32.45% | 31.48% | 31.57% | 32.3% | 26.18% | 27.2% | 8.49% | 17.24% | 16.92% | 16.86% | 22.16% | 15.58% | 25.41% |
| Net Earnings | $15.55M | $16.12M | $15.13M | $11.36M | $14.07M | $13.38M | $10.27M | $9.180M | $9.630M | $9.390M | $6.690M | $5.790M | $5.160M | $1.840M | $2.920M | $6.390M | $9.590M | $9.170M | $6.330M | $4.430M | $2.000M | $3.440M | $4.580M | $5.380M | $4.540M | $4.010M | $2.410M | $2.030M | $1.730M | $970.0K | $1.900M | $1.620M | $1.430M | $1.370M | $1.300M | $1.390M |
| YoY Change | -3.58% | 6.54% | 33.25% | -19.26% | 5.13% | 30.28% | 11.87% | -4.67% | 2.56% | 40.36% | 15.54% | 12.21% | 180.43% | -36.99% | -54.3% | -33.37% | 4.58% | 44.87% | 42.89% | 121.5% | -41.86% | -24.89% | -14.87% | 18.5% | 13.22% | 66.39% | 18.72% | 17.34% | 78.35% | -48.95% | 17.28% | 13.29% | 4.38% | 5.38% | -6.47% | -19.19% |
| Net Earnings / Revenue | 21.63% | 29.62% | 32.08% | 23.68% | 28.36% | |||||||||||||||||||||||||||||||
| Basic Earnings Per Share | $2.87 | $2.94 | $2.71 | $2.01 | $2.43 | |||||||||||||||||||||||||||||||
| Diluted Earnings Per Share | $2.77 | $2.85 | $2.63 | $1.95 | $2.36 | $2.223M | $1.695M | $1.505M | $1.561M | $1.512M | $1.081M | $946.1K | $845.9K | $301.6K | $479.5K | $1.029M | $1.501M | $1.437M | $993.7K | $696.5K | $317.0K | $545.2K | $710.1K | $835.4K | $706.1K | $656.3K | $429.6K | $361.9K | $308.4K | $172.9K | $338.7K | $288.8K | $254.9K | $244.2K | $231.7K | $247.8K |
Assets & Liabilities
Cash & Short-Term Investments
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Cash & Equivalents
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Cash To Operating Expenses Ratio
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Inventory
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Receivables
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Total Short-Term Assets
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Property, Plant And Equipment
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Long-Term Investments
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Total Long-Term Assets
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Total Assets
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Net Income To Total Assets Percentage
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Accounts Payable
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Short-Term Debt
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Long Term Debt Due
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Total Short-Term Liabilities
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Long-Term Debt
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Other Long-Term Liabilities
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Total Long-Term Liabilities
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Total Liabilities
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Short-Term To Long-Term Debt Ratio
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Short-Term Assets To Debt Ratio
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Long-Term Debt To Net Income Ratio
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Assets & Liabilities
| Concept | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | 1989 | 1988 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short-Term Investments | ||||||||||||||||||||||||||||||||||||
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| Short-Term Investments | ||||||||||||||||||||||||||||||||||||
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| Total Short-Term Assets | ||||||||||||||||||||||||||||||||||||
| YoY Change | ||||||||||||||||||||||||||||||||||||
| Property, Plant & Equipment | $16.70M | $23.32M | $20.70M | $22.00M | $22.20M | $18.50M | $19.90M | $16.50M | $17.00M | $17.00M | $16.40M | $15.90M | $16.90M | $17.30M | $17.90M | $18.30M | $18.20M | $12.80M | $12.70M | $12.70M | $12.50M | $15.60M | $14.70M | $12.90M | $9.300M | $7.800M | $6.700M | $5.200M | $5.400M | $4.700M | $4.100M | $2.900M | $2.800M | $2.900M | $3.100M | $3.200M |
| YoY Change | -28.38% | 12.66% | -5.91% | -0.9% | 20.0% | -7.04% | 20.61% | -2.94% | 0.0% | 3.66% | 3.14% | -5.92% | -2.31% | -3.35% | -2.19% | 0.55% | 42.19% | 0.79% | 0.0% | 1.6% | -19.87% | 6.12% | 13.95% | 38.71% | 19.23% | 16.42% | 28.85% | -3.7% | 14.89% | 14.63% | 41.38% | 3.57% | -3.45% | -6.45% | -3.13% | |
| Goodwill | ||||||||||||||||||||||||||||||||||||
| YoY Change | ||||||||||||||||||||||||||||||||||||
| Intangibles | ||||||||||||||||||||||||||||||||||||
| YoY Change | ||||||||||||||||||||||||||||||||||||
| Long-Term Investments | ||||||||||||||||||||||||||||||||||||
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| Other Assets | $800.0K | $1.800M | $1.100M | $2.500M | $2.100M | $2.600M | $7.000M | |||||||||||||||||||||||||||||
| YoY Change | -55.56% | 63.64% | -56.0% | 19.05% | -19.23% | -62.86% | ||||||||||||||||||||||||||||||
| Total Long-Term Assets | ||||||||||||||||||||||||||||||||||||
| YoY Change | ||||||||||||||||||||||||||||||||||||
| Total Assets | $1.636B | $1.621B | $1.624B | $1.416B | $1.155B | $1.093B | $1.092B | $1.088B | $1.039B | $1.041B | $1.035B | $1.014B | $1.067B | $1.068B | $1.049B | $968.8M | $907.3M | $818.9M | $730.3M | $686.3M | $674.0M | $645.6M | $619.5M | $519.0M | $432.4M | $402.3M | $326.9M | $257.9M | $222.1M | $180.1M | $173.2M | $159.4M | $148.3M | $152.3M | $145.9M | $131.1M |
| YoY Change | ||||||||||||||||||||||||||||||||||||
| Accounts Payable | $20.67M | $12.18M | $11.80M | $10.10M | $10.80M | $13.70M | $10.90M | $10.60M | $9.400M | $8.100M | $20.60M | $9.000M | $6.700M | $5.800M | $4.800M | $4.900M | $6.200M | $4.400M | $4.600M | $4.300M | $2.800M | $2.200M | $1.500M | $2.900M | $1.700M | $2.500M | $2.900M | $1.400M | $1.300M | $700.0K | $800.0K | $800.0K | $1.000M | $1.400M | $1.600M | $1.100M |
| YoY Change | 69.7% | 3.22% | 16.83% | -6.48% | -21.17% | 25.69% | 2.83% | 12.77% | 16.05% | -60.68% | 128.89% | 34.33% | 15.52% | 20.83% | -2.04% | -20.97% | 40.91% | -4.35% | 6.98% | 53.57% | 27.27% | 46.67% | -48.28% | 70.59% | -32.0% | -13.79% | 107.14% | 7.69% | 85.71% | -12.5% | 0.0% | -20.0% | -28.57% | -12.5% | 45.45% | |
| Accrued Expenses | $4.832M | $5.185M | $4.700M | $3.500M | $3.600M | |||||||||||||||||||||||||||||||
| YoY Change | -6.81% | 10.32% | 34.29% | -2.78% | ||||||||||||||||||||||||||||||||
| Deferred Revenue | ||||||||||||||||||||||||||||||||||||
| YoY Change | ||||||||||||||||||||||||||||||||||||
| Short-Term Debt | $86.72M | $47.69M | $37.10M | $26.20M | $24.20M | $58.10M | $37.80M | $36.40M | $27.90M | $48.40M | $45.40M | $34.60M | $39.60M | $35.70M | $37.50M | $44.10M | $29.20M | $8.000M | $2.500M | $1.200M | $400.0K | $1.600M | $100.0K | $1.600M | $1.600M | $100.0K | $1.800M | $900.0K | $400.0K | $1.300M | $2.000M | $1.800M | $1.600M | $1.800M | $900.0K | $1.900M |
| YoY Change | 81.84% | 28.54% | 41.6% | 8.26% | -58.35% | 53.7% | 3.85% | 30.47% | -42.36% | 6.61% | 31.21% | -12.63% | 10.92% | -4.8% | -14.97% | 51.03% | 265.0% | 220.0% | 108.33% | 200.0% | -75.0% | 1500.0% | -93.75% | 0.0% | 1500.0% | -94.44% | 100.0% | 125.0% | -69.23% | -35.0% | 11.11% | 12.5% | -11.11% | 100.0% | -52.63% | |
| Long-Term Debt Due | ||||||||||||||||||||||||||||||||||||
| YoY Change | ||||||||||||||||||||||||||||||||||||
| Total Short-Term Liabilities | $107.4M | $65.05M | $16.50M | $13.60M | $14.40M | $13.70M | $10.90M | $10.60M | $9.400M | $8.100M | $20.60M | $9.000M | $6.700M | $5.800M | $4.800M | $4.900M | $6.200M | $4.400M | $4.600M | $4.300M | $2.800M | $2.200M | $1.500M | $2.900M | $1.700M | $2.500M | $2.900M | $1.400M | $1.300M | $700.0K | $800.0K | $800.0K | $1.000M | $1.400M | $1.600M | $1.100M |
| YoY Change | 65.07% | 294.26% | 21.32% | -5.56% | 5.11% | 25.69% | 2.83% | 12.77% | 16.05% | -60.68% | 128.89% | 34.33% | 15.52% | 20.83% | -2.04% | -20.97% | 40.91% | -4.35% | 6.98% | 53.57% | 27.27% | 46.67% | -48.28% | 70.59% | -32.0% | -13.79% | 107.14% | 7.69% | 85.71% | -12.5% | 0.0% | -20.0% | -28.57% | -12.5% | 45.45% | |
| Long-Term Debt | $15.46M | $15.46M | $15.50M | $15.50M | $15.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $14.40M | $14.40M | $14.40M | $14.40M | $14.00M | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| YoY Change | 0.0% | -0.23% | 0.0% | -0.64% | -24.27% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 43.06% | 0.0% | 0.0% | 0.0% | 2.86% | ||||||||||||||
| Other Long-Term Liabilities | ||||||||||||||||||||||||||||||||||||
| YoY Change | ||||||||||||||||||||||||||||||||||||
| Total Long-Term Liabilities | $15.46M | $15.46M | $15.50M | $15.50M | $15.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $20.60M | $14.40M | $14.40M | $14.40M | $14.40M | $14.00M | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| YoY Change | 0.0% | -0.23% | 0.0% | -0.64% | -24.27% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 43.06% | 0.0% | 0.0% | 0.0% | 2.86% | ||||||||||||||
| Total Liabilities | $1.515B | $1.516B | $1.482B | $1.276B | $1.021B | $969.6M | $976.2M | $980.6M | $933.6M | $941.8M | $951.0M | $915.8M | $964.0M | $970.8M | $949.3M | $867.6M | $837.2M | $756.1M | $675.9M | $635.4M | $625.5M | $597.0M | $574.1M | $476.0M | $394.4M | $366.3M | $301.9M | $235.0M | $200.0M | $160.5M | $152.9M | $140.4M | $130.3M | $135.2M | $129.6M | $115.7M |
| YoY Change | -0.06% | 2.29% | 16.1% | 25.03% | 5.28% | -0.68% | -0.45% | 5.03% | -0.87% | -0.97% | 3.84% | -5.0% | -0.7% | 2.26% | 9.42% | 3.63% | 10.73% | 11.87% | 6.37% | 1.58% | 4.77% | 3.99% | 20.61% | 20.69% | 7.67% | 21.33% | 28.47% | 17.5% | 24.61% | 4.97% | 8.9% | 7.75% | -3.62% | 4.32% | 12.01% |
Ownership
Basic Shares Outstanding
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Diluted Shares Outstanding
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Preferred Stock
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Treasury Stock Shares
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Stock Issuance & Repurchase
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Ownership Data
| Concept | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | 1989 | 1988 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Basic Shares Outstanding | 5.425M shares | 5.480M shares | 5.576M shares | 5.657M shares | 5.800M shares | |||||||||||||||||||||||||||||||
| Diluted Shares Outstanding | 5.610M shares | 5.661M shares | 5.749M shares | 5.822M shares | 5.966M shares | |||||||||||||||||||||||||||||||
| Preferred Stock | ||||||||||||||||||||||||||||||||||||
| Treasury Stock Shares |
Return On Shareholders' Equity
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Dividends
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Stock Price
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Market Cap: $173.17 Million
About PEOPLES BANCORP OF NORTH CAROLINA INC
Peoples Bancorp of North Carolina, Inc. is a holding company, which engages in the business of owning the Bank, Peoples Bank and PEBK Capital Trust II. The company is headquartered in Newton, North Carolina and currently employs 277 full-time employees. The Bank is a state-chartered commercial bank. The Bank has a diversified loan portfolio, with no foreign loans and few agricultural loans. The Bank’s loan portfolio also includes Individual Taxpayer Identification Number (ITIN) mortgage loans generated through its former Banco offices. The company has four subsidiaries, such as Peoples Investment Services, Inc., Real Estate Advisory Services, Inc., Community Bank Real Estate Solutions, LLC (CBRES) and PB Real Estate Holdings, LLC. Peoples Investment Services, Inc. provides the Bank’s customers access to investment counseling and non-deposit investment products. Real Estate Advisory Services, Inc. provides real estate appraisal and real estate brokerage services. CBRES serves as a clearinghouse for appraisal services for community banks. PB Real Estate Holdings, LLC acquires, manages, and disposes of real property, other collateral, and assets.
Industry: State Commercial Banks Peers: FRANKLIN FINANCIAL SERVICES CORP /PA/ Hanover Bancorp, Inc. /NY LIMESTONE BANCORP, INC. LYONS BANCORP INC Oak Valley Bancorp OLD POINT FINANCIAL CORP PNC FINANCIAL SERVICES GROUP, INC. RIVERVIEW BANCORP INC SALISBURY BANCORP, INC.
