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STOCKS

Peoples Bancorp Of North Carolina (PEBK)

NASDAQ:PEBK

PEBK

Peoples Bancorp Of North Carolina

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Peoples Bancorp Of North Carolina (PEBK) Ratios

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Peoples Bancorp Of North Carolina Ratios

PEBK's free cash flow for Q1 2025 was $0.88. For the 2025 fiscal year, PEBK's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	18.38	5.20	45.56	42.86	35.01
Quick Ratio	22.02	5.20	51.86	59.66	48.26
Cash Ratio	3.41	5.20	5.88	16.80	13.24
Solvency Ratio	0.02	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.92	1.44	1.86	1.63	0.75
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -755.98M	$ -1.43B	$ -960.81M	$ -773.92M	$ -847.69M
Leverage Ratios
Debt-to-Assets Ratio	0.01	0.01	<0.01	<0.01	0.01
Debt-to-Equity Ratio	0.12	0.17	0.15	0.11	0.11
Debt-to-Capital Ratio	0.10	0.14	0.13	0.10	0.10
Long-Term Debt-to-Capital Ratio	0.10	0.11	0.13	0.10	0.10
Financial Leverage Ratio	8.61	13.52	15.41	11.41	10.11
Debt Service Coverage Ratio	4.80	1.09	6.67	6.46	3.74
Interest Coverage Ratio	4.58	2.27	7.11	5.91	3.61
Debt to Market Cap	0.08	0.09	0.09	0.10	0.12
Interest Debt Per Share	3.26	6.91	3.43	3.35	3.41
Net Debt to EBITDA	-1.58	-2.69	-2.13	-10.70	-8.68
Profitability Margins
Gross Profit Margin	100.00%	78.19%	100.00%	100.00%	100.00%
EBIT Margin	28.59%	23.23%	1781.83%	30.64%	20.47%
EBITDA Margin	35.18%	26.87%	2311.33%	39.65%	27.24%
Operating Profit Margin	28.59%	45.47%	2073.57%	30.64%	22.42%
Pretax Profit Margin	28.59%	23.23%	1781.83%	30.64%	22.42%
Net Profit Margin	23.38%	18.12%	1415.54%	24.49%	18.39%
Continuous Operations Profit Margin	23.38%	18.12%	1415.54%	24.49%	18.39%
Net Income Per EBT	81.77%	78.03%	79.44%	79.95%	82.02%
EBT Per EBIT	100.00%	51.09%	85.93%	100.00%	100.00%
Return on Assets (ROA)	1.22%	0.95%	0.99%	0.93%	0.80%
Return on Equity (ROE)	10.49%	12.85%	15.33%	10.63%	8.12%
Return on Capital Employed (ROCE)	1.51%	2.41%	1.47%	1.18%	0.99%
Return on Invested Capital (ROIC)	3.00%	1.88%	1.85%	1.35%	1.66%
Return on Tangible Assets	1.50%	0.95%	0.98%	1.26%	0.99%
Earnings Yield	7.21%	9.28%	9.04%	9.84%	8.72%
Efficiency Ratios
Receivables Turnover	3.01	0.00	0.03	2.59	3.02
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	3.23	4.00	0.06	3.84	3.32
Asset Turnover	0.05	0.05	<0.01	0.04	0.04
Working Capital Turnover Ratio	0.24	0.28	<0.01	0.11	0.19
Cash Conversion Cycle	121.24	0.00	12.16K	140.95	120.75
Days of Sales Outstanding	121.24	0.00	12.16K	140.95	120.75
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	121.24	0.00	12.16K	140.95	120.75
Cash Flow Ratios
Operating Cash Flow Per Share	2.22	4.21	4.13	4.82	1.62
Free Cash Flow Per Share	1.74	3.85	3.30	4.74	1.18
CapEx Per Share	0.48	0.36	0.83	0.09	0.44
Free Cash Flow to Operating Cash Flow	0.79	0.91	0.80	0.98	0.73
Dividend Paid and CapEx Coverage Ratio	1.95	3.23	2.39	6.29	1.33
Capital Expenditure Coverage Ratio	4.66	11.69	4.97	55.58	3.68
Operating Cash Flow Coverage Ratio	0.84	1.12	1.47	1.74	0.59
Operating Cash Flow to Sales Ratio	0.22	0.27	19.89	0.44	0.15
Free Cash Flow Yield	5.31%	12.43%	10.14%	17.17%	5.12%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.88	10.78	11.07	10.17	11.47
Price-to-Sales (P/S) Ratio	3.24	1.95	156.66	2.49	2.11
Price-to-Book (P/B) Ratio	1.46	1.38	1.70	1.08	0.93
Price-to-Free Cash Flow (P/FCF) Ratio	18.84	8.05	9.86	5.82	19.52
Price-to-Operating Cash Flow Ratio	14.79	7.36	7.88	5.72	14.21
Price-to-Earnings Growth (PEG) Ratio	2.21	-4.53	1.30	0.29	-0.75
Price-to-Fair Value	1.46	1.38	1.70	1.08	0.93
Enterprise Value Multiple	7.64	4.58	4.65	-4.42	-0.94
Enterprise Value	161.75M	105.51M	122.30M	-108.19M	-15.89M
EV to EBITDA	7.64	4.58	4.65	-4.42	-0.94
EV to Sales	2.69	1.23	107.38	-1.75	-0.26
EV to Free Cash Flow	15.61	5.07	6.76	-4.10	-2.38
EV to Operating Cash Flow	12.26	4.63	5.40	-4.02	-1.73
Tangible Book Value Per Share	22.57	22.34	19.20	25.53	24.73
Shareholders’ Equity Per Share	22.57	22.34	19.20	25.53	24.73
Tax and Other Ratios
Effective Tax Rate	0.18	0.22	0.21	0.20	0.18
Revenue Per Share	10.13	15.84	0.21	11.08	10.92
Net Income Per Share	2.37	2.87	2.94	2.71	2.01
Tax Burden	0.82	0.78	0.79	0.80	0.82
Interest Burden	1.00	1.00	1.00	1.00	1.10
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.39	0.32	22.94	0.40	0.38
Stock-Based Compensation to Revenue	<0.01	<0.01	0.22	<0.01	<0.01
Income Quality	0.94	1.47	1.41	1.78	0.81

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