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Peoples Bancorp Of North Carolina (PEBK)
NASDAQ:PEBK
US Market
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 Q4 2025 was $0.79. 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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.18 0.20 0.32 0.37
Quick Ratio
 0.00 0.18 0.20 0.32 0.37
Cash Ratio
 0.00 0.04 0.04 0.06 0.05
Solvency Ratio
 0.01 0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.00 0.01 0.01 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.26 0.48
Net Current Asset Value
$ -1.54B$ -1.27B$ -1.23B$ -1.04B$ -960.81M
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 0.01 0.01 0.07 0.04
Debt-to-Equity Ratio
 0.10 0.12 0.15 0.88 0.65
Debt-to-Capital Ratio
 0.09 0.11 0.13 0.47 0.39
Long-Term Debt-to-Capital Ratio
 0.09 0.09 0.11 0.11 0.13
Financial Leverage Ratio
 10.97 10.83 12.65 13.52 15.41
Debt Service Coverage Ratio
 0.90 0.81 0.72 0.18 0.43
Interest Coverage Ratio
 1.06 1.05 0.79 1.16 6.11
Debt to Market Cap
 0.07 0.06 0.09 0.61 0.35
Interest Debt Per Share
 7.51 6.42 8.73 22.92 13.07
Net Debt to EBITDA
 -0.59 -1.51 -1.67 1.07 -0.12
Profitability Margins
Gross Profit Margin
76.40%77.71%73.04%78.19%93.22%
EBIT Margin
23.86%22.56%21.40%23.23%28.70%
EBITDA Margin
25.76%22.56%24.36%26.87%37.23%
Operating Profit Margin
23.86%22.56%21.40%23.23%28.70%
Pretax Profit Margin
23.86%22.56%21.40%23.23%28.70%
Net Profit Margin
18.34%17.30%16.72%18.12%22.80%
Continuous Operations Profit Margin
18.34%17.30%16.72%18.12%22.80%
Net Income Per EBT
76.87%76.71%78.14%78.03%79.44%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.15%1.16%0.99%0.95%0.99%
Return on Equity (ROE)
13.07%12.62%12.52%12.85%15.33%
Return on Capital Employed (ROCE)
1.49%13.40%12.52%12.68%16.13%
Return on Invested Capital (ROIC)
1.15%10.28%9.78%6.37%9.29%
Return on Tangible Assets
1.15%1.16%0.99%0.95%0.99%
Earnings Yield
9.29%8.06%9.87%9.28%9.03%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 0.00 0.00 1.86
Payables Turnover
 0.00 0.00 0.00 0.00 0.39
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 7.67 6.50 5.19 4.00 3.03
Asset Turnover
 0.06 0.07 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.18 -0.09 -0.09 -0.09 -0.08
Cash Conversion Cycle
 0.00 0.00 0.00 0.00 -731.37
Days of Sales Outstanding
 0.00 0.00 0.00 0.00 195.78
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 927.15
Operating Cycle
 0.00 0.00 0.00 0.00 195.78
Cash Flow Ratios
Operating Cash Flow Per Share
 4.03 3.14 3.88 4.21 4.13
Free Cash Flow Per Share
 3.77 2.94 3.77 3.85 3.29
CapEx Per Share
 0.27 0.21 0.11 0.36 0.83
Free Cash Flow to Operating Cash Flow
 0.93 0.93 0.97 0.91 0.80
Dividend Paid and CapEx Coverage Ratio
 3.21 3.21 3.65 3.23 2.39
Capital Expenditure Coverage Ratio
 15.13 15.13 35.02 11.69 4.97
Operating Cash Flow Coverage Ratio
 1.38 1.12 1.05 0.21 0.33
Operating Cash Flow to Sales Ratio
 0.20 0.19 0.21 0.27 0.32
Free Cash Flow Yield
9.04%8.11%12.06%12.43%10.11%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.77 12.41 10.13 10.78 11.07
Price-to-Sales (P/S) Ratio
 2.04 2.15 1.69 1.95 2.52
Price-to-Book (P/B) Ratio
 1.35 1.57 1.27 1.38 1.70
Price-to-Free Cash Flow (P/FCF) Ratio
 11.06 12.33 8.29 8.05 9.89
Price-to-Operating Cash Flow Ratio
 10.02 11.52 8.06 7.36 7.88
Price-to-Earnings Growth (PEG) Ratio
 2.63 -2.39 1.38 -4.53 1.30
Price-to-Fair Value
 1.35 1.57 1.27 1.38 1.70
Enterprise Value Multiple
 7.32 8.01 5.29 8.34 6.66
Enterprise Value
 204.29M 207.14M 125.99M 192.24M 175.30M
EV to EBITDA
 7.32 8.01 5.29 8.34 6.66
EV to Sales
 1.88 1.81 1.29 2.24 2.48
EV to Free Cash Flow
 10.24 10.38 6.31 9.23 9.71
EV to Operating Cash Flow
 9.56 9.69 6.13 8.44 7.74
Tangible Book Value Per Share
 29.84 23.11 24.63 22.34 19.18
Shareholders’ Equity Per Share
 29.84 23.11 24.63 22.34 19.18
Tax and Other Ratios
Effective Tax Rate
 0.23 0.23 0.22 0.22 0.21
Revenue Per Share
 20.46 16.85 18.45 15.83 12.90
Net Income Per Share
 3.75 2.92 3.08 2.87 2.94
Tax Burden
 0.77 0.77 0.78 0.78 0.79
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.30 0.32 0.30 0.32 0.38
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.08 1.08 1.26 1.47 1.41
Currency in USD