Peoples Bancorp of North Carolina, Inc. (PEBK) Key Metrics
PEBK valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $235.8M
- Enterprise value
- $193.7M
- P/E (TTM)
- 12.2 10-yr median 11.6
- Forward P/E
- 12.7
- PEG ratio
- —
- Price / sales
- 2.6 10-yr median 2.5
- Price / book
- 1.4 10-yr median 1.4
- EV / EBITDA
- —
- Dividend yield
- 1.90% $0.84 a year
- Beta
- 0.31
PEBK key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsPEBK valuation Price multiples at each fiscal year-end price.
PEBK returns How much profit the business earns on the capital it uses.
PEBK per-share figures Results divided by the shares outstanding at year-end.
PEBK financial health Debt, liquidity and how easily interest is covered.
PEBK efficiency & capital use Working capital cycle and where the cash goes.
PEBK valuation history
PEBK returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
PEBK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
PEBK cash returned to shareholders
PEBK price vs earnings per share
PEBK key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $244.3M | $171.5M | $173.6M | $184.3M | $158.6M | $134.0M | $196.0M | $147.1M | $186.1M | $139.1M |
| Enterprise value | −$11.6M | −$101.9M | −$193.7M | −$268.7M | −$472.1M | −$231.2M | −$8.1M | −$12.1M | −$42.2M | −$123.9M |
| P/E ratio | 12.3 | 10.5 | 11.2 | 11.4 | 10.5 | 11.8 | 13.9 | 11.0 | 18.1 | 15.2 |
| Price / sales | 2.1 | 1.8 | 2.0 | 2.6 | 2.5 | 2.1 | 3.1 | 2.6 | 3.5 | 2.6 |
| Price / book | 1.6 | 1.3 | 1.4 | 1.8 | 1.1 | 1.0 | 1.5 | 1.2 | 1.6 | 1.3 |
| Price / free cash flow | 12.2 | 8.6 | 8.3 | 10.2 | 6.0 | 20.1 | 18.9 | 9.5 | 14.3 | 13.1 |
| Price / operating cash flow | 11.4 | 8.3 | 7.6 | 8.1 | 5.9 | 14.6 | 14.9 | 8.6 | 10.0 | 11.4 |
| EV / sales | -0.1 | -1.0 | -2.3 | -3.8 | -7.4 | -3.6 | -0.1 | -0.2 | -0.8 | -2.4 |
| Earnings yield | 8.1% | 9.5% | 9.0% | 8.7% | 9.5% | 8.5% | 7.2% | 9.1% | 5.5% | 6.6% |
| Free cash flow yield | 8.2% | 11.6% | 12.0% | 9.8% | 16.7% | 5.0% | 5.3% | 10.5% | 7.0% | 7.6% |
| Dividend yield | 2.1% | 2.9% | 2.9% | 2.7% | 2.4% | 3.3% | 2.0% | 2.1% | 1.4% | 1.5% |
| Shareholder yield (dividends + buybacks) | 2.1% | 4.1% | 4.1% | 3.1% | 4.7% | 5.5% | 3.3% | 2.1% | 1.4% | 2.9% |
| Share price at fiscal year-end | $36.20 | $31.25 | $30.94 | $32.56 | $27.59 | $23.02 | $32.85 | $24.46 | $30.69 | $22.79 |
| Per share | ||||||||||
| Revenue per share | $16.98 | $17.82 | $15.29 | $12.49 | $11.11 | $11.09 | $10.64 | $9.56 | $8.84 | $8.63 |
| Earnings per share | $2.94 | $2.98 | $2.77 | $2.85 | $2.63 | $1.95 | $2.36 | $2.22 | $1.69 | $1.50 |
| Operating cash flow per share | $3.17 | $3.75 | $4.06 | $4.00 | $4.68 | $1.57 | $2.21 | $2.86 | $3.07 | $2.01 |
| Free cash flow per share | $2.96 | $3.64 | $3.71 | $3.20 | $4.59 | $1.15 | $1.74 | $2.57 | $2.15 | $1.74 |
| Cash per share | $40.74 | $53.40 | $84.55 | $91.32 | $118.99 | $69.88 | $41.02 | $39.56 | $47.28 | $52.44 |
| Book value per share | $23.28 | $23.79 | $21.57 | $18.58 | $24.76 | $24.03 | $22.48 | $20.55 | $19.13 | $17.60 |
| Tangible book value per share | $23.28 | $23.79 | $21.57 | $18.58 | $24.76 | $24.03 | $22.48 | $20.55 | $19.13 | $17.60 |
| Dividends per share | $0.78 | $0.92 | $0.91 | $0.87 | $0.66 | $0.75 | $0.66 | $0.52 | $0.43 | $0.35 |
| Capex per share | $0.21 | $0.11 | $0.35 | $0.81 | $0.08 | $0.43 | $0.48 | $0.29 | $0.92 | $0.26 |
| Debt per share | $2.83 | $3.57 | $19.08 | $11.30 | $9.27 | $7.16 | $6.81 | $13.09 | $9.63 | $9.35 |
| Shares outstanding | 6.7M | 5.5M | 5.6M | 5.7M | 5.7M | 5.8M | 6.0M | 6.0M | 6.1M | 6.1M |
| Change in shares outstanding | +23.0% | −2.2% | −0.9% | −1.5% | −1.2% | −2.4% | −0.8% | −0.8% | −0.7% | −0.9% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 13.8% | 13.0% | 13.7% | 13.0% | 10.7% | 8.3% | 10.9% | 11.2% | 9.2% | 8.6% |
| Return on assets (ROA) | 1.2% | 1.0% | 1.0% | 1.0% | 1.0% | 0.9% | 1.3% | 1.2% | 0.9% | 0.9% |
| Return on tangible assets | 1.2% | 1.0% | 1.0% | 1.0% | 0.9% | 0.8% | 1.2% | 1.2% | 0.9% | 0.8% |
| Free cash flow margin | 17.4% | 20.4% | 24.3% | 25.6% | 41.4% | 10.3% | 16.3% | 26.9% | 24.3% | 20.2% |
| Income quality (OCF / net income) | 1.08 | 1.26 | 1.47 | 1.41 | 1.78 | 0.81 | 0.94 | 1.28 | 1.81 | 1.33 |
| Financial health | ||||||||||
| Total debt | $19.1M | $19.6M | $107.0M | $64.0M | $53.3M | $41.7M | $40.7M | $78.7M | $58.4M | $57.1M |
| Cash & short-term investments | $275.0M | $293.0M | $474.3M | $517.0M | $684.0M | $406.8M | $244.8M | $237.9M | $286.6M | $320.0M |
| Net debt | −$255.9M | −$273.4M | −$367.3M | −$453.0M | −$630.8M | −$365.2M | −$204.1M | −$159.2M | −$228.2M | −$263.0M |
| Debt / equity | 0.12 | 0.15 | 0.88 | 0.61 | 0.37 | 0.30 | 0.30 | 0.64 | 0.50 | 0.53 |
| Debt / assets | 0.01 | 0.01 | 0.07 | 0.04 | 0.03 | 0.03 | 0.04 | 0.07 | 0.05 | 0.05 |
| Net debt / EBITDA | −8.95 | −11.48 | −15.94 | −17.21 | −25.75 | −20.25 | −9.64 | −7.74 | −11.87 | −15.32 |
| Current ratio | 0.18 | 0.20 | 0.32 | 45.56 | 42.86 | 35.01 | 18.38 | 18.69 | 27.67 | 31.34 |
| Quick ratio | 0.18 | 0.20 | 0.32 | 51.86 | 59.66 | 48.26 | 22.02 | 21.86 | 32.96 | 37.99 |
| Interest coverage | 1.1 | 0.8 | 1.2 | 6.1 | 5.9 | 3.6 | 4.6 | 7.5 | 6.0 | 3.6 |
| Working capital | −$1.23B | −$1.19B | −$1.00B | $542.7M | $691.4M | $415.1M | $250.4M | $242.5M | $289.8M | $321.4M |
| Invested capital | −$98.8M | −$142.9M | −$246.3M | −$347.8M | −$488.4M | −$225.3M | −$70.0M | −$35.6M | −$112.3M | −$155.6M |
| Tangible asset value | $157.1M | $130.6M | $121.0M | $105.2M | $142.4M | $139.9M | $134.1M | $123.6M | $116.0M | $107.4M |
| Net current asset value | −$1.27B | −$1.23B | −$1.04B | −$960.8M | −$773.9M | −$847.7M | −$756.0M | −$713.4M | −$675.6M | −$648.6M |
| Graham number | $39.23 | $39.94 | $36.67 | $34.51 | $38.30 | $32.48 | $34.53 | $32.07 | $27.00 | $24.40 |
| Graham net-net per share | −$188.19 | −$223.82 | −$185.49 | −$177.49 | −$159.79 | −$160.38 | −$131.91 | −$122.96 | −$116.74 | −$112.53 |
| Capital allocation | ||||||||||
| Dividends paid | $5.2M | $5.0M | $5.1M | $4.9M | $3.8M | $4.4M | $3.9M | $3.1M | $2.6M | $2.1M |
| Share buybacks (net) | $0 | $2.0M | $2.0M | $710,000 | $3.6M | $3.0M | $2.5M | $0 | $0 | $2.0M |
| Dividend payout ratio | 26.5% | 30.9% | 32.9% | 30.6% | 25.1% | 38.7% | 28.0% | 23.4% | 25.7% | 22.9% |
| Dividends + buybacks / free cash flow | 26.3% | 35.3% | 34.1% | 31.2% | 28.0% | 110.8% | 62.0% | 20.3% | 20.2% | 38.5% |
| Capex / revenue | 1.2% | 0.6% | 2.3% | 6.5% | 0.8% | 3.9% | 4.5% | 3.0% | 10.4% | 3.1% |
| Capex / operating cash flow | 6.6% | 2.9% | 8.6% | 20.1% | 1.8% | 27.2% | 21.5% | 10.1% | 29.9% | 13.2% |
| Capex / depreciation | 0.52 | 0.20 | 0.62 | 0.76 | 0.09 | 0.60 | 0.72 | 0.38 | 1.11 | 0.30 |
| Stock-based compensation / revenue | 0.2% | 0.2% | 0.2% | 0.4% | 0.3% | 0.0% | 0.4% | 0.1% | 1.1% | 1.8% |
| SG&A / revenue | 32.5% | 30.4% | 32.8% | 38.6% | 39.9% | 38.1% | 38.4% | 40.4% | 41.1% | 40.5% |
| Efficiency | ||||||||||
| Days sales outstanding | — | — | — | 172.7 | 126.5 | 114.2 | 110.0 | 102.5 | 88.4 | 80.8 |
| Days of inventory on hand | — | — | — | -13,481.4 | -39,253.3 | -4,826.7 | -3,784.7 | -6,268.5 | -12,472.4 | -6,154.4 |
| Days payables outstanding | — | — | — | 1,289.6 | 2,567.1 | 599.9 | 1,110.5 | 1,527.3 | 2,093.9 | 1,771.2 |
| Cash conversion cycle (days) | — | — | — | -14,598.4 | -41,693.9 | -5,312.4 | -4,785.2 | -7,693.3 | -14,477.9 | -7,844.8 |
| Receivables turnover | — | — | — | 2.11 | 2.88 | 3.20 | 3.32 | 3.56 | 4.13 | 4.51 |
| Payables turnover | — | — | — | 0.28 | 0.14 | 0.61 | 0.33 | 0.24 | 0.17 | 0.21 |
| Asset turnover | 0.07 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.06 | 0.05 | 0.05 | 0.05 |
| Average receivables | — | — | — | $33.5M | $22.1M | $20.2M | $19.1M | $16.1M | $13.0M | $11.7M |
| Average payables | — | — | — | $16.9M | $14.4M | $13.3M | $14.1M | $12.3M | $10.7M | $10.0M |
| Average inventory | — | — | — | −$177.1M | −$219.6M | −$107.0M | −$47.9M | −$50.4M | −$63.9M | −$34.8M |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from PEBK's annual financial statements (latest annual report filed March 11, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
PEBK valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Peoples Bancorp NC traded at 12.3 times earnings, against a 10-year median of 11.6. Based on the latest twelve months, the trailing P/E is 12.2 and the forward P/E is 12.7. Peoples Bancorp NC earned a return on equity of 13.8% in fiscal 2025. It ended the year with $19.1 million of debt and $275.0 million in cash and short-term investments, a net cash position of $255.9 million. It returned $5.2 million to shareholders: $5.2 million in dividends and $0 in share buybacks, 26% of free cash flow. The share count rose 10.6% from 6.1M to 6.7M over 9 years.
See the PEBK income statement, the PEBK chart for price history, or the PEBK stock overview for the latest quote and news.
PEBK key metrics FAQ
What is Peoples Bancorp NC's P/E ratio?
Peoples Bancorp NC's trailing P/E ratio is 12.2 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 12.7. At the end of fiscal 2025 it was 12.3, compared with a 10-year median of 11.6.
What is Peoples Bancorp NC's return on equity?
Peoples Bancorp NC's return on equity (ROE) was 13.8% in fiscal 2025: net income of $19.8 million on average shareholders' equity of $143.8 million.
How much debt does Peoples Bancorp NC have?
Peoples Bancorp NC had total debt of $19.1 million at the end of fiscal 2025, a debt-to-equity ratio of 0.12 and more cash than debt.
What is Peoples Bancorp NC's dividend yield?
Peoples Bancorp NC's forward dividend yield is 1.90%. Peoples Bancorp NC paid $5.2 million in dividends in fiscal 2025 ($0.78 per share), a payout ratio of 26.5%.
What is Peoples Bancorp NC's free cash flow yield?
Peoples Bancorp NC generated $20.0 million of free cash flow in fiscal 2025, a free cash flow yield of 8.2% on its market value at year-end ($244.3 million).
What is Peoples Bancorp NC's current ratio?
Peoples Bancorp NC's current ratio was 0.18 at the end of fiscal 2025: current assets were 0.18 times current liabilities.