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PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK)
Price & fundamentals
Compound Annual Growth Rate(CAGR)
Historical valuation multiples
Ratio observations in the selected window
| Price date | EPS fiscal end | Basic P/E (×) | Diluted P/E (×) | P/S (×) | P/FCF (×) |
|---|
Profit margins
Calculation inputs, filings & unavailable observations
Yield, cash conversion & capital returns
Calculation inputs, filings & unavailable observations
Price & growth-based reference
Annual change in the selected reference metric
YEAR-OVER-YEAR
Annual metric change
Change from the previous reported fiscal year
Annual data and sources
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) · Nasdaq · USD · Sector unavailable · CIK 0001093672
Annual coverage: 2009-12-31–2025-12-31 (17 periods). Financial snapshot built 2026-10-09.
PEBK annual financial history
All stored annual observations, independent of the chart window. Per-share amounts in USD. Unavailable values are not zero.
See the calculation and limitations.
Annual per-share context (USD/share)
Complete annual history, independent of chart loading and range. Revenue/share is annual revenue per average diluted share. Debt/share is borrowings per year-end common share, excluding leases. Missing inputs remain unavailable. Metric definitions.
| Fiscal end | Revenue / share | Total debt / share | Inputs & filing sources |
|---|---|---|---|
| 2025-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2024-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2023-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2022-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2021-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2020-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2019-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2018-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2017-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2016-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2015-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2014-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2013-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2012-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2011-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2010-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2009-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable |
Annual returns and cash generation (%)
Complete annual history, independent of chart loading and range. FCF margin and FCF / net income use matching annual totals. ROCE uses positive exact opening and closing capital-employed bases. Inputs, scopes and unavailable reasons are disclosed below. Missing inputs remain unavailable. Metric definitions.
| Fiscal end | FCF margin (%) | FCF / net income (%) | ROCE (%) | Inputs & filing sources |
|---|---|---|---|---|
| 2025-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2024-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2023-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2022-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2021-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2020-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2019-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2018-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2017-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2016-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2015-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2014-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2013-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2012-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2011-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2010-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2009-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsCalculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable |
Annual operating facts
Complete annual history, independent of chart loading and range. Operating margin is operating profit as a percentage of revenue; net margin is consolidated net profit as a percentage of revenue. Negative margins show losses. Missing inputs remain unavailable. Metric definitions.
| Fiscal end | Revenue (USD) | Operating margin (%) | Net margin (%) | Inputs & filing sources |
|---|---|---|---|---|
| 2025-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2024-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2023-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2022-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2021-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2020-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2019-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2018-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2017-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2016-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2015-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2014-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2013-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2012-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2011-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2010-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
| 2009-12-31 | Unavailable | Unavailable | Unavailable | Inputs & filingsrevenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable |
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) P/E ratio history
The interactive P/E chart contains all 1129 stored weekly price points (2005-02-25–2026-10-08); 876 have an eligible basic or diluted ratio. Annual EPS is carried forward from its fiscal end. Use the P/E range bar or any other chart range bar to change all five chart windows.
Fiscal-year-end snapshots
17 eligible fiscal-year-end observations span 2009-12-31–2025-12-31. Latest eligible diluted P/E: 10.23×; basic P/E: 9.90×, for fiscal end 2025-12-31, using the close on 2025-12-26.
Annual P/E = eligible fiscal-year-end close ÷ reported annual EPS. This is retrospective annual P/E, not TTM or forward P/E. Why we use annual data. Missing or non-positive EPS and missing eligible prices produce unavailable ratios.
Explore the P/E chart and optional reference lines · How P/E history is calculated.
Complete annual P/E history (17 fiscal periods)
| Fiscal end | Price date | Close | Price basis | Basic P/E | Diluted P/E | EPS filings |
|---|---|---|---|---|---|---|
| 2025-12-31 | 2025-12-26 | 37.03 | Adjusted close | 9.90 | 10.23 | Basic EPS (2026-03-11) Diluted EPS (2026-03-11) |
| 2024-12-31 | 2024-12-27 | 31.63 | Adjusted close | 10.27 | 10.61 | Basic EPS (2026-03-11) Diluted EPS (2026-03-11) |
| 2023-12-31 | 2023-12-29 | 30.94 | Adjusted close | 10.78 | 11.17 | Basic EPS (2025-03-12) Diluted EPS (2025-03-12) |
| 2022-12-31 | 2022-12-30 | 32.56 | Adjusted close | 11.07 | 11.42 | Basic EPS (2025-03-12) Diluted EPS (2025-03-12) |
| 2021-12-31 | 2021-12-31 | 26.73 | Adjusted close | 9.86 | 10.16 | Basic EPS (2024-03-07) Diluted EPS (2024-03-07) |
| 2020-12-31 | 2020-12-31 | 21.75 | Adjusted close | 10.82 | 11.15 | Basic EPS (2023-03-17) Diluted EPS (2023-03-17) |
| 2019-12-31 | 2019-12-27 | 29.52 | Adjusted close | 12.15 | 12.51 | Basic EPS (2022-03-18) Diluted EPS (2022-03-18) |
| 2018-12-31 | 2018-12-28 | 22.40 | Adjusted close | 10.04 | 10.09 | Basic EPS (2021-03-19) Diluted EPS (2021-03-19) |
| 2017-12-31 | 2017-12-29 | 26.89 | Adjusted close | 15.72 | 15.91 | Basic EPS (2020-03-13) Diluted EPS (2020-03-13) |
| 2016-12-31 | 2016-12-30 | 19.64 | Adjusted close | 12.83 | 13.09 | Basic EPS (2019-03-14) Diluted EPS (2019-03-14) |
| 2015-12-31 | 2015-12-31 | 14.87 | Adjusted close | 9.47 | 9.53 | Basic EPS (2018-03-15) Diluted EPS (2018-03-15) |
| 2014-12-31 | 2014-12-26 | 13.47 | Adjusted close | 8.07 | 8.12 | Basic EPS (2017-03-16) Diluted EPS (2017-03-16) |
| 2013-12-31 | 2013-12-27 | 10.60 | Adjusted close | 9.82 | 9.91 | Basic EPS (2016-03-14) Diluted EPS (2016-03-14) |
| 2012-12-31 | 2012-12-27 | 6.83 | Adjusted close | 7.94 | 7.94 | Basic EPS (2015-03-25) Diluted EPS (2015-03-25) |
| 2011-12-31 | 2011-12-30 | 3.99 | Adjusted close | 5.86 | 5.86 | Basic EPS (2014-03-21) Diluted EPS (2014-03-21) |
| 2010-12-31 | 2010-12-31 | 3.76 | Adjusted close | 46.99 | 46.99 | Basic EPS (2013-03-22) Diluted EPS (2013-03-22) |
| 2009-12-31 | 2009-12-31 | 3.54 | Adjusted close | 11.81 | 11.81 | Basic EPS (2012-03-27) Diluted EPS (2012-03-27) |
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