Trailing Dividend / Share
$0.78
Peoples Bancorp of North Carolina, Inc. (PEBK) Dividend History
Income profile from 1987 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
1.8%
Payout Ratio
26.5%
Sustainable
Dividend Streak
4 years
PEBK Dividend Income Check
Safety
26.5% payout ratio with sustainable safety profile.
Consistency
4 straight years of dividend increases.
Income Trend
Yield on cost is 4.4% and trend is rising.
PEBK Dividend Scorecard
Yield & Income
Dividend Yield1.8%
Trailing DPS$0.78
FrequencyQuarterly
Payments / 12M5
Payout Safety
Earnings Payout26.5%
Earnings SafetySustainable
FCF Payout21.9%
FCF SafetyWell Covered
Piotroski F-Score7/9
Growth
Growth Streak4 years
3Y CAGR3.3%
5Y CAGR5.1%
Yield on Cost (5Y)4.4%
YOC Trendrising
Total Returns
Buyback Yield0.0%
Total Shareholder Yield1.8%
1Y Total Return58.7%
5Y Total Return93.9%
Div Contribution (5Y)18.3%
Estimated $10K growth (return + dividends):
5Y ago$19,38910Y ago$29,01720Y ago$35,416
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
PEBK Income Growth Story
Dividend per share and yield on cost over time (40 years of payments)
PEBK Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Dividend Analysis
Payout Safety
Peoples Bancorp of North Carolina, Inc. distributes 26.5% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 21.9%, rated "Well Covered".
Piotroski F-Score: 7/9 — strong financial health.
Growth Track Record
PEBK has raised its dividend for 4 consecutive years, with a 3-year CAGR of 3.3% and 5-year CAGR of 5.1%.
Total Shareholder Returns
Beyond cash dividends, PEBK returns capital through share repurchases. The combined picture: 1.8% dividend yield, 1.8% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 4.4% and is currently rising. The 5-year total return is 93.9%, with dividends contributing 18.3% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $29,017 today.
PEBK Recent Dividend Payments
Last 20 payments · Quarterly
TTM Total$3.74
Avg/Payment$0.1870
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jun 3, 2026Latest | $0.2100 | — | 2.41% | Jun 15, 2026 |
| Mar 4, 2026 | $0.2100 | ↑ +23.5% | 2.55% | Mar 16, 2026 |
| Feb 4, 2026 | $0.1700 | ↓ -15.0% | 2.07% | Feb 13, 2026 |
| Dec 3, 2025 | $0.2000 | — | 2.90% | Dec 15, 2025 |
| Sep 3, 2025 | $0.2000 | — | 3.03% | Sep 15, 2025 |
| Jun 3, 2025 | $0.2000 | — | 3.38% | Jun 13, 2025 |
| Mar 3, 2025 | $0.2000 | ↑ +25.0% | 3.52% | Mar 14, 2025 |
| Feb 3, 2025 | $0.1600 | ↓ -15.8% | 2.61% | Feb 14, 2025 |
PEBK Dividend vs Peers
Comparable companies in the same industry
#7 yield in peer group
Div Yield
1.8%
#7 of 9
Safety
Sustainable
26.5% payout
Streak
4Y
5.1% 5Y CAGR
Total Shareholder
1.8%
#8 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| PEBKPeoples Bancorp of N… | $237M | 1.8% | 26.5% | 4 | Sustainable |
 FBNCFirst Bancorp | $2.7B | 1.4% | 33.6% | 1 | Sustainable |
1st  AMSFAMERISAFE, Inc. | $635M | 7.5% | 1.0% | 13 | Sustainable |
 CZWICitizens Community B… | $226M | 1.6% | 25.0% | 6 | Sustainable |
 UVSPUnivest Financial Co… | $1.2B | 2.0% | 27.9% | 1 | Sustainable |
3rd  NBTBNBT Bancorp Inc. | $2.6B | 2.9% | 42.9% | 13 | Sustainable |
 SRCE1st Source Corporati… | $2.0B | 1.9% | 24.3% | 9 | Sustainable |
 FFINFirst Financial Bank… | $4.9B | 2.1% | 41.8% | 15 | Sustainable |
2nd  HFWAHeritage Financial C… | $1000M | 3.2% | 48.3% | 5 | Sustainable |
PEBK Annual Dividend History (1987–2026)
40 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.59 | — | 3 | — | — | — | 2.7% |
| 2025 | $0.96 | 4.3% | 5 | $2.94 | 32.7% | 3.06x | 4.4% |
| 2024 | $0.92 | 1.1% | 5 | $2.98 | 30.9% | 3.24x | 4.3% |
| 2023 | $0.91 | 4.6% | 5 | $2.77 | 32.9% | 3.04x | 4.2% |
| 2022 | $0.87 | 31.8% | 5 | $2.85 | 30.5% | 3.28x | 4.0% |
| 2021 | $0.66 | -12.0% | 4 | $2.63 | 25.1% | 3.98x | 3.0% |
| 2020 | $0.75 | 13.6% | 5 | $1.95 | 38.5% | 2.60x | 3.5% |
| 2019 | $0.66 | 26.9% | 5 | $2.36 | 28.0% | 3.58x | 3.0% |
| 2018 | $0.52 | 16.3% | 4 | $2.22 | 23.4% | 4.27x | 2.4% |
| 2017 | $0.45 | 29.5% | 4 | $1.69 | 26.5% | 3.78x | 2.1% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
39+ years return with dividends reinvested.
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DCA Calculator
See how regular investing compounds over time.
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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PEBK — Frequently Asked Questions
Quick answers to the most common questions about buying PEBK stock.
How much dividend does PEBK pay per share?
Peoples Bancorp of North Carolina, Inc. (PEBK) pays a trailing 12-month dividend of $0.78 per share, with a current dividend yield of +1.8%. Payments are made Quarterly.
When is PEBK's next ex-dividend date?
PEBK's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. PEBK typically pays dividends Quarterly.
Is PEBK's dividend safe?
PEBK's dividend safety is rated "Sustainable" based on an earnings payout ratio of +26.5% and FCF payout ratio of +21.9%. The 4-year growth streak provides moderate confidence.
Is PEBK a Dividend Payer?
Yes, Peoples Bancorp of North Carolina, Inc. is classified as a Dividend Payer with 4 consecutive years of dividend increases. The 5-year dividend CAGR is +5.1%, demonstrating above-inflation dividend growth.
How often does PEBK pay dividends?
Peoples Bancorp of North Carolina, Inc. pays dividends Quarterly. The trailing 12-month total is $0.78 per share. Dividend data on this page covers 39+ years from 1987 to 2026.
How much would $10,000 invested in PEBK grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in PEBK five years ago would be worth approximately $19,389 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is PEBK's yield on cost for long-term holders?
PEBK's yield on cost — the current dividend divided by the original purchase price — is +4.4% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +1.8% market yield, thanks to consistent dividend growth.