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Companies / Financials / Peoples Bancorp of North Carolina, Inc.
PEBK

Peoples Bancorp of North Carolina, Inc.

FinancialsBanks & Brokers
Ticker PEBKNEWTON, NCFiscal year ends DecemberBook value per share $28.81Diluted shares 5.5M

Peoples Bancorp of North Carolina, Inc. (Nasdaq: PEBK) is a bank holding company whose primary business is conducted through Peoples Bank, a state-chartered commercial bank serving individuals and small- to medium-sized businesses in North Carolina’s Catawba Valley and surrounding communities. The Bank provides… From the company’s description.

Over the twelve months to Sep 30, 2026, Peoples Bancorp of North Carolina, Inc. reported revenue of $93.05M, up 8.4% from a year earlier. Its pre-tax margin was 30.6%. In fiscal 2025, it reported revenue of $90.00M, up 10.0% from fiscal 2024.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-09-30
Sales & profitability
$90.00MFY2025
+10.0% year over year
Last 12 mo $93.05M
28.72%FY2025
+3.1 percentage points
Last 12 mo 30.64%
—
12.62%FY2025
+0.1 percentage points
Last 12 mo 13.95%
Cash & financing
$21.37MFY2025
+4.0% year over year
Last 12 mo $25.54M
$19.96MFY2025
−0.1% year over year
Last 12 mo $24.07M
9.70FY2025
Was 11.49× a year earlier
Last 12 mo 10.04
5.5MFY2025
−0.2% year over year
Last 12 mo 5.5M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Peoples Bancorp of North Carolina, Inc. does

In the company’s own words

Peoples Bancorp of North Carolina, Inc. (Nasdaq: PEBK) is a bank holding company whose primary business is conducted through Peoples Bank, a state-chartered commercial bank serving individuals and small- to medium-sized businesses in North Carolina’s Catawba Valley and surrounding communities. The Bank provides deposit and loan services through 15 banking offices and operates four loan production offices; its lending includes commercial, real estate and consumer loans. Subsidiaries also provide customers with access to investment counseling and brokerage products, real estate appraisal and brokerage services, and appraisal coordination for community banks. The holding company was formed in 1999, while Peoples Bank dates to 1912. At December 31, 2025, the company had $1.70 billion in total assets and 273 full-time-equivalent employees. Its website is www.peoplesbanknc.com.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
NEWTON, NC
Fiscal year end
December
CIK
1093672
SIC
6022

Financial performance, year by year

Fiscal 2011–2025 · USD
$-25.95M$6.50M$38.96M$71.42M$103.87M201120122013201420152016201720182019202020212022202320242025Last 12 moLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Peoples Bancorp of North Carolina, Inc. — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

128
funds hold it
0 of 35
superinvestors hold it
$38.12M
held by funds, at market

Largest fund holders · Peoples Bancorp of North Carolina, Inc.’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.01%of fund net assets
VANGUARD EXTENDED MARKET INDEX FUND
VXF · VANGUARD INDEX FUNDS
0.00%of fund net assets
Avantis U.S. Small Cap Value ETF
AVUV · American Century ETF Trust
—of fund net assets
iShares Russell 2000 Value ETF
IWN · iShares Trust
0.01%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do Peoples Bancorp of North Carolina, Inc. and its peers compare on margins and cash generation over ten years?”
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