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STOCKS

Peoples Bancorp Of North Carolina (PEBK)

NASDAQ:PEBK

PEBK

Peoples Bancorp Of North Carolina

RESEARCH TOOLSreports

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 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	1.03	1.03	0.20	0.32	0.37
Quick Ratio	1.03	1.03	0.20	0.32	0.37
Cash Ratio	0.07	0.07	0.04	0.06	0.05
Solvency Ratio	0.01	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.05	0.05	0.01	0.02	0.02
Short-Term Operating Cash Flow Coverage	28.50	28.50	0.00	0.26	0.48
Net Current Asset Value	$ -1.14B	$ -1.14B	$ -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	0.12	0.12	0.15	0.88	0.65
Debt-to-Capital Ratio	0.11	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	10.83	10.83	12.65	13.52	15.41
Debt Service Coverage Ratio	0.87	0.78	0.72	0.18	0.43
Interest Coverage Ratio	1.05	1.05	0.79	1.16	6.11
Debt to Market Cap	0.08	0.07	0.09	0.61	0.35
Interest Debt Per Share	5.27	6.42	8.73	22.92	13.07
Net Debt to EBITDA	-0.31	-0.33	-1.67	1.07	-0.12
Profitability Margins
Gross Profit Margin	75.65%	77.71%	73.04%	78.19%	93.22%
EBIT Margin	24.64%	22.56%	21.40%	23.23%	28.70%
EBITDA Margin	26.66%	22.56%	24.36%	26.87%	37.23%
Operating Profit Margin	24.64%	22.56%	21.40%	23.23%	28.70%
Pretax Profit Margin	24.64%	22.56%	21.40%	23.23%	28.70%
Net Profit Margin	18.90%	17.30%	16.72%	18.12%	22.80%
Continuous Operations Profit Margin	18.90%	17.30%	16.72%	18.12%	22.80%
Net Income Per EBT	76.71%	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)	1.16%	1.16%	0.99%	0.95%	0.99%
Return on Equity (ROE)	13.46%	12.62%	12.52%	12.85%	15.33%
Return on Capital Employed (ROCE)	1.98%	1.98%	12.52%	12.68%	16.13%
Return on Invested Capital (ROIC)	77.97%	77.97%	9.78%	6.37%	9.29%
Return on Tangible Assets	1.16%	1.16%	0.99%	0.95%	0.99%
Earnings Yield	6.30%	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	7.41	8.09	5.19	4.00	3.03
Asset Turnover	0.06	0.07	0.06	0.05	0.04
Working Capital Turnover Ratio	-0.20	-0.19	-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	2.58	3.14	3.88	4.21	4.13
Free Cash Flow Per Share	2.41	2.94	3.77	3.85	3.29
CapEx Per Share	0.17	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	1.12	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	9.90%	8.11%	12.06%	12.43%	10.11%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	15.87	12.41	10.13	10.78	11.07
Price-to-Sales (P/S) Ratio	1.92	2.15	1.69	1.95	2.52
Price-to-Book (P/B) Ratio	2.00	1.57	1.27	1.38	1.70
Price-to-Free Cash Flow (P/FCF) Ratio	10.10	12.33	8.29	8.05	9.89
Price-to-Operating Cash Flow Ratio	14.73	11.52	8.06	7.36	7.88
Price-to-Earnings Growth (PEG) Ratio	3.86	-2.39	1.38	-4.53	1.30
Price-to-Fair Value	2.00	1.57	1.27	1.38	1.70
Enterprise Value Multiple	6.90	9.19	5.29	8.34	6.66
Enterprise Value	192.89M	237.52M	125.99M	192.24M	175.30M
EV to EBITDA	6.90	9.19	5.29	8.34	6.66
EV to Sales	1.84	2.07	1.29	2.24	2.48
EV to Free Cash Flow	9.66	11.90	6.31	9.23	9.71
EV to Operating Cash Flow	9.03	11.11	6.13	8.44	7.74
Tangible Book Value Per Share	18.95	23.11	24.63	22.34	19.18
Shareholders’ Equity Per Share	18.95	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	12.65	16.85	18.45	15.83	12.90
Net Income Per Share	2.39	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	0.00	<0.01	<0.01	<0.01
Income Quality	1.08	1.08	1.26	1.47	1.41

Currency in USD