Peoples Bancorp of North Carolina, Inc. (PEBK) Earnings History
Steady Earner36 years of earnings data (1990–2025) · Positive but moderate multi-year EPS trajectory
Loading earnings history...
Peoples Bancorp of North Carolina, Inc. (PEBK) Earnings Overview
As of June 28, 2026, Peoples Bancorp of North Carolina, Inc. (PEBK) reported trailing twelve-month net income of $20M, reflecting -1.3% year-over-year growth. The company earned $3.62 per diluted share over the past four quarters, with a net profit margin of 17.3%.
Looking at the long-term picture, PEBK's 5-year EPS compound annual growth rate (CAGR) stands at +8.6%, showing solid earnings momentum. The company achieved its highest annual net income of $20M in fiscal 2025, representing a new all-time high.
Peoples Bancorp of North Carolina, Inc. maintains industry-leading profitability with a gross margin of 77.7%, operating margin of 22.6%, and net margin of 17.3%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FBNC ($121M net income, 20.4% margin), AMSF ($46M net income, 14.9% margin), CZWI ($15M net income, 16.0% margin), PEBK has room to improve margins relative to the peer group. Compare PEBK vs FBNC →
PEBK Earnings vs Peers
Earnings metrics vs comparable public companies
PEBK Historical Earnings Data (1990–2025)
36 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $20M | +21.3% | $26M | $2.94 | 17.3% | 22.6% |
| 2024 | $16M | +5.2% | $21M | $2.98 | 16.7% | 21.4% |
| 2023 | $16M | -3.6% | $20M | $2.77 | 18.1% | 23.2% |
| 2022 | $16M | +6.5% | $20M | $2.85 | 22.8% | 28.7% |
| 2021 | $15M | +33.2% | $19M | $2.63 | 23.7% | 29.6% |
| 2020 | $11M | -19.3% | $14M | $1.95 | 17.6% | 21.4% |
| 2019 | $14M | +5.1% | $17M | $2.36 | 22.2% | 27.1% |
| 2018 | $13M | +30.3% | $16M | $2.22 | 23.3% | 27.8% |
| 2017 | $10M | +11.9% | $14M | $1.69 | 19.2% | 26.5% |
| 2016 | $9M | -4.7% | $12M | $1.50 | 17.4% | 22.3% |
| 2015 | $10M | +2.6% | $13M | $1.56 | 18.9% | 25.0% |
| 2014 | $9M | +40.3% | $11M | $1.51 | 18.9% | 22.8% |
| 2013 | $7M | +15.5% | $9M | $0.97 | 13.8% | 17.7% |
| 2012 | $6M | +12.3% | $7M | $0.78 | 11.2% | 14.3% |
| 2011 | $5M | +180.2% | $7M | $0.62 | 8.6% | 11.1% |
| 2010 | $2M | -36.9% | $2M | $0.07 | 3.0% | 3.0% |
| 2009 | $3M | -54.4% | $4M | $0.27 | 4.7% | 6.8% |
| 2008 | $6M | -33.4% | $10M | $1.03 | 9.6% | 14.4% |
| 2007 | $10M | +4.6% | $15M | $1.50 | 13.6% | 21.2% |
| 2006 | $9M | +44.9% | $14M | $0.96 | 14.6% | 22.8% |
| 2005 | $6M | +42.9% | $10M | $0.90 | 13.0% | 20.0% |
| 2004 | $4M | +121.2% | $7M | $0.39 | 10.5% | 15.7% |
| 2003 | $2M | -41.7% | $3M | $0.32 | 4.9% | 7.5% |
| 2002 | $3M | -24.9% | $5M | $0.55 | 8.0% | 11.9% |
| 2001 | $5M | -14.9% | $7M | $0.71 | 9.1% | 13.6% |
| 2000 | $5M | +18.4% | $8M | $0.84 | 12.0% | 17.8% |
| 1999 | $5M | +13.5% | $7M | $0.64 | 12.7% | 18.6% |
| 1998 | $4M | +66.7% | $6M | $0.44 | 12.2% | 17.7% |
| 1997 | $2M | +20.0% | $4M | $0.16 | 9.3% | 13.5% |
| 1996 | $2M | +17.6% | $3M | $0.12 | 9.8% | 13.2% |
| 1995 | $2M | +70.0% | $2M | $0.09 | 9.7% | 13.7% |
| 1994 | $1M | -47.4% | $1M | $0.05 | 7.4% | 8.1% |
| 1993 | $2M | +18.8% | $2M | $0.09 | 15.1% | 16.7% |
| 1992 | $2M | +14.3% | $2M | $0.07 | 13.0% | 15.4% |
| 1991 | $1M | +0.0% | $2M | $0.06 | 9.9% | 12.0% |
| 1990 | $1M | - | $2M | $0.05 | 9.3% | 11.9% |
Download Data
Export PEBK earnings history in CSV or JSON format
Free sign-in required to download data
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
36+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
PEBK — Frequently Asked Questions
Quick answers to the most common questions about buying PEBK stock.
What is PEBK earnings per share (EPS)?
PEBK trailing twelve-month (TTM) diluted EPS is $3.62, reflecting -1.3% year-over-year growth. The 5-year EPS CAGR is +8.6%. Complete EPS history from 1990 to 2025 is available in the table on this page.
What is Peoples Bancorp of North Carolina, Inc.'s net income?
Peoples Bancorp of North Carolina, Inc. (PEBK) trailing twelve-month net income is $20M as of 2025. Earnings declined -1.3% year-over-year. Peoples Bancorp of North Carolina, Inc. has been profitable for 36 consecutive years.
Is PEBK profitable?
Yes, PEBK is profitable with a TTM net income of $20M and a net profit margin of +17.3%. Peoples Bancorp of North Carolina, Inc. has generated profits for 36 consecutive years.
What is PEBK's earnings growth rate?
PEBK compound annual EPS growth rates (CAGR): 1-Year: -1.3%, 3-Year: +1.0%, 5-Year: +8.6%, 10-Year: +6.5%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1990 to 2025.
What are PEBK's profit margins?
Peoples Bancorp of North Carolina, Inc. net profit margin is +17.3%, operating margin is +22.6%, and gross margin is +77.7%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +13.8%.
Is PEBK growing earnings?
PEBK earnings growth is slowing. Current YoY EPS growth of -1.3% trails the 5-year CAGR of +8.6%. TTM net income is $20M.
What was PEBK's best earnings year?
Peoples Bancorp of North Carolina, Inc.'s highest annual net income on record is $20M, achieved in fiscal year 2025. Earnings history on this page spans 1990 to 2025 and includes all annual and quarterly figures.
What were PEBK's earnings last quarter?
PEBK's most recent reported quarter was Q1 2026. Net income was $4M with diluted EPS of $0.80. For a full breakdown of all quarters, see the quarterly earnings table on this page.