PEOPLES BANCORP OF NORTH CAROLINA INC
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Interest expense | $24.6M | $26.7M | $17.1M | $3.3M | $3.2M |
| Pretax income | $25.9M | $20.9M | $19.9M | $20.3M | $18.9M |
| Income tax expense | $6.0M | $4.6M | $4.4M | $4.2M | $3.8M |
| Net income | $19.8M | $16.4M | $15.5M | $16.1M | $15.1M |
| Balance Sheet | |||||
| Cash and equivalents | $58.1M | $59.3M | $82.4M | $71.6M | $277.5M |
| Total assets | $1.7B | $1.7B | $1.6B | $1.6B | $1.6B |
| Total liabilities | $1.5B | $1.5B | $1.5B | $1.5B | $1.5B |
| Stockholders' equity | $157.1M | $130.6M | $121.0M | $105.2M | $142.4M |
| Cash Flow Statement | |||||
| Cash from operations | $21.4M | $20.6M | $22.8M | $22.6M | $26.9M |
| Depreciation and amortization | $2.7M | $2.9M | $3.1M | $6.0M | $5.6M |
| Stock-based compensation | — | — | — | — | $181,000 |
| Capital expenditure | $1.4M | $587,000 | $1.9M | $4.6M | $484,000 |
| Free cash flow | $20.0M | $20.0M | $20.8M | $18.1M | $26.4M |
| Dividends paid | $5.2M | $5.0M | $5.1M | $4.9M | $3.8M |
| Share repurchases | $0 | $2.0M | $2.0M | $710,000 | $3.6M |
Shares outstanding 5.5M · Free float 70.4%
Annual filing data through FY ended December 31, 2025; float as of July 12, 2026.