profit from every $100 of sales.
$0$100
Peoples Bancorp of North Carolina
$43.41+0.14% today
+40.6% in 1 year
1-year low $29.311-year high $45.25
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $11.65 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Peoples Bancorp of North Carolina sold, what it kept, and what it did with the cash.
Sales went from $67.4 million in 2022 to $74.4 million in 2025, with $19.8 million of profit last year.
SalesProfit
Peoples Bancorp of North Carolina handed back 26% of the cash it generated last year.
$5M
Free cash flow 2025$20M
Bought back its own shares$0
Paid as dividends$5M
Cash vs. debt$58M vs. $19M
Peoples Bancorp of North Carolina vs. similar companies
Peoples Bancorp of North Carolina grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Peoples Bancorp of North Carolina | 11.6× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Peoples Bancorp of North Carolina's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 67 | 69 | 71 | 74 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 16 | 16 | 16 | 20 | |
| 2.85 | 2.77 | 2.98 | 3.62 | |
| – | – | – | – | |
| – | – | – | – | |
| 23.9% | 22.7% | 23.0% | 26.6% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,621 | 1,636 | 1,652 | 1,702 |
| Cash | 72 | 82 | 59 | 58 |
| Total debt | 21 | 20 | 20 | 19 |
| Total liabilities | 1,516 | 1,515 | 1,521 | 1,545 |
| 105 | 121 | 131 | 157 | |
| 6 | 6 | 5 | 5 | |
| – | – | – | – | |
| 15.3% | 12.8% | 12.5% | 12.6% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 23 | 23 | 21 | 21 | |
| 5 | 2 | 1 | 1 | |
| 18 | 21 | 20 | 20 | |
| Dividends paid | 5 | 5 | 5 | 5 |
| 1 | 2 | 2 | 0 | |
| 0 | 0 | 0 | 0 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 11.6×
- –
- 1.40
- 1.4×
- 3.1×
- 8.6%
- 2.4%
Profitability
- 26.6%
- 1.1%
- 9.2%
- 13.1%
- 1.1%
Growth
- +3.4%
- +8.3%
- +5.1%
- +5.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 27%of 754
Top 45%of 605
Top 38%of 883
Bottom 31%of 880
Top 29%of 929
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 20, 2026 | 0.80 | – | – |
| Jan 26, 2026 | 1.21 | – | – |
| Oct 20, 2025 | 0.67 | – | – |
| Jul 21, 2025 | 0.95 | – | – |
| Apr 21, 2025 | 0.79 | – | – |
| Feb 12, 2025 | 0.65 | – | – |
| Oct 21, 2024 | 0.72 | – | – |
| Jul 22, 2024 | 0.89 | – | – |
2.4%of the share price, paid each year
On $1,000 invested$24a year at today's yield, before tax
+5.1%2020 to 2025
Raised4 yearsin a row, in our data
Paid per share, each year
$0.25 in 2015 → $0.96 in 2025
How safe it looks
26.5% of its profit
Room to growStretchedMore than it earns: 26.3%
News
Peoples declares $0.36 dividendSeeking Alpha · Oct 29, 2026Peoples Bancorp gets regulatory green light for Citizens National mergerSeeking Alpha · Sep 29, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
66Pass
Benjamin Graham
84Pass
Philip Fisher
65Pass
Peter Lynch
52No pass
Joel Greenblatt
19No pass
Charlie Munger
62Pass
Terry Smith
58No pass
Questions about Peoples Bancorp of North Carolina
Is Peoples Bancorp of North Carolina a good stock to buy?
A strong, very profitable business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Peoples Bancorp of North Carolina AI analysis
What does Peoples Bancorp of North Carolina do?
Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various commercial and consumer banking products and services to individuals and small to medium-sized businesses. It is in Banks - Regional.
Does Peoples Bancorp of North Carolina pay a dividend?
Yes. At today's price the dividend is 2.4% a year, about 26% of its yearly profit. In 2025 it paid out $5.25 million in dividends.
Is Peoples Bancorp of North Carolina stock halal?
No. Peoples Bancorp of North Carolina does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Peoples Bancorp of North Carolina stock done over the past year?
Up 40.6% over the past twelve months, to $43.41. It traded between $29.31 and $45.25 and is 4.1% below its high.
Who are Peoples Bancorp of North Carolina's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Peoples Bancorp of North Carolina's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.