
Peoples Bancorp of North Carolina Income Statement 2025-2008 | PEBK
Brief overview of financial performance at Peoples Bancorp of North Carolina
The conclusions below are based on five years of reported results. According to figures from Peoples Bancorp of North Carolina, revenue changed from $46.3 million to $59.5 million over five years. Overall revenue changed by +28.5%, equal to an annualized rate of about 5.1%. The direction is positive, but the growth rate is not particularly high.
Net profit was 9.4 million dollars at the start and 14.1 million dollars at the end. Net profit ended the five years at a local peak.
Market value was 101 million dollars at the start and 167 million dollars at the end. Market value supported the favorable financial trajectory.
Conclusion
Financial performance is improving but still needs confirmation. Key strengths include net-income growth and a larger revenue base. Future reports should be judged by revenue momentum, margins, and the conversion of sales into net income.
Annual Income Statement Peoples Bancorp of North Carolina
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap |
198 M | 198 M | 150 M | 180 M | 151 M | 125 M | 167 M | 155 M | 192 M | 145 M | 107 M | 101 M | 85.5 M | 55.1 M | 34.1 M | 30.2 M | - | - |
Shares |
5.31 M | 5.3 M | 5.42 M | 5.48 M | 5.58 M | 5.66 M | 5.94 M | 6 M | 6 M | 6.01 M | 6.13 M | 6.18 M | 6.15 M | 6.12 M | 6.1 M | 5.54 M | - | - |
Historical Prices |
37.3 | 37.3 | 27.6 | 32.9 | 27.1 | 22.1 | 30.4 | 22.1 | 27.3 | 19.9 | 15.1 | 13.9 | 10.8 | 6.82 | 4.04 | 5.45 | 5.91 | 12.6 |
Net Income |
19.8 M | 16.4 M | 15.5 M | 16.1 M | 15.1 M | 11.4 M | 14.1 M | 13.4 M | 10.3 M | 9.18 M | 9.63 M | 9.39 M | 6.69 M | 5.79 M | 5.16 M | 1.84 M | 2.92 M | - |
Revenue |
- | - | - | - | - | - | 59.5 M | 55.4 M | 51.2 M | 49.4 M | 47.5 M | 46.3 M | 44 M | 44.1 M | 49 M | - | - | - |
Cost of Revenue |
- | 28.2 M | 26.6 M | 26.1 M | 24.5 M | 23.5 M | 23.2 M | 21.5 M | 20.1 M | 19.3 M | 18.3 M | 17.5 M | 16.9 M | 16.4 M | 14.8 M | 14.1 M | 14.8 M | - |
Interest Expense |
24.6 M | 26.7 M | 17.1 M | 3.32 M | 3.2 M | 3.84 M | 3.76 M | 2.15 M | 2.38 M | 3.27 M | 3.48 M | 4.29 M | 5.35 M | 7.7 M | 10.9 M | 14.3 M | 17.2 M | - |
EBITDA |
2.74 M | 2.89 M | 3.13 M | 6.03 M | 5.57 M | 4.18 M | - | - | - | - | - | - | - | - | - | 4.97 M | 2.93 M | - |
Operating Expenses |
- | - | - | - | - | - | 50 M | 46 M | 43 M | 44 M | 39 M | 39 M | 41 M | 44 M | 53 M | - | - | - |
General and Administrative Expenses |
- | - | - | - | - | - | 25.7 M | 23.9 M | 20.4 M | 19.8 M | 19 M | 17.5 M | 16.9 M | 16.4 M | 14.8 M | - | - | - |
All numbers in USD currency
Quarterly Income Statement Peoples Bancorp of North Carolina
| 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Shares |
5.31 M | 5.31 M | 5.3 M | 5.3 M | 5.46 M | 5.3 M | 5.29 M | 5.32 B | 5.53 M | 5.4 M | 5.45 M | 5.48 B | 5.64 M | 5.47 B | 5.48 B | 5.5 B | 5.66 M | 5.54 B | 5.63 B | 5.63 B | 5.79 M | 5.63 B | 5.64 B | 5.72 M | 5.91 M | 5.92 M | 5.94 M | 6 M | 6 M | 6 M | 6 M | 6 M | 6 M | 6 M | 5.99 M | 5.97 M | 5.42 M | 5.47 M | 5.51 M | 5.51 M | 5.51 M | 5.53 M | 5.57 M | 5.61 M | 5.61 M | 5.62 M | 5.62 M | 5.61 M | 5.61 M | 5.61 M | 5.61 M | 5.61 M | 5.61 M | 5.56 M | 5.54 M | 5.54 M | 5.54 M | 5.54 M | 5.54 M | 5.54 M |
Net Income |
4.4 M | 3.69 M | 5.16 M | 4.34 M | - | 3.96 M | 4.89 M | 3.95 M | - | 4.13 M | 4.81 M | 3.17 M | - | 5.31 M | 3.22 M | 3.45 M | 3.01 M | 3.39 M | 4.62 M | 4.12 M | 1.92 M | 4.51 M | 2.56 M | 2.37 M | 2.97 M | 3.62 M | 3.81 M | 3.67 M | 3.44 M | 3.47 M | 3.18 M | 3.3 M | 2.01 M | 3.24 M | 2.81 M | 2.2 M | 1.3 M | 2.46 M | 2.96 M | 2.45 M | 2.19 M | 2.49 M | 2.62 M | 2.33 M | 1.82 M | 2.44 M | 2.55 M | 2.58 M | - | 1.92 M | 1.63 M | 1.76 M | - | 1.41 M | 1.51 M | 1.66 M | - | 1.39 M | 629 K | 1.36 M |
Revenue |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 4.7 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cost of Revenue |
- | 7.09 M | 7.17 M | 6.79 M | - | 6.6 M | 6.83 M | 6.98 M | - | 6.72 M | 6.29 M | 6.5 M | - | 6.18 M | 6.44 M | 5.85 M | - | 6.05 M | 5.67 M | 6.18 M | - | 5.74 M | 5.54 M | 5.72 M | - | 5.7 M | 5.72 M | 5.65 M | - | 5.52 M | 5.38 M | 4.96 M | - | 4.93 M | 4.87 M | 5.23 M | - | 4.83 M | 4.7 M | 4.58 M | - | 4.6 M | 4.29 M | 4.8 M | - | 4.3 M | 4.21 M | 4.28 M | - | 4.18 M | 4.24 M | 4.19 M | - | 4.19 M | 3.93 M | 3.84 M | - | 3.49 M | 3.67 M | 3.67 M |
Interest Expense |
5.77 M | 6.29 M | 6.12 M | 6.03 M | - | 6.92 M | 6.65 M | 6.51 M | - | 4.97 M | 3.83 M | 2.46 M | - | 818 K | 644 K | 663 K | 687 K | 861 K | 842 K | 815 K | 941 K | 942 K | 912 K | 1.04 M | 1.22 M | 994 K | 781 K | 757 K | 609 K | 557 K | 513 K | 467 K | 507 K | 650 K | 622 K | 598 K | 821 K | 828 K | 813 K | 809 K | 850 K | 874 K | 875 K | 884 K | 1.02 M | 1.08 M | 1.08 M | 1.11 M | - | 1.28 M | 1.37 M | 1.46 M | - | 1.84 M | 1.99 M | 2.22 M | - | 2.67 M | 2.81 M | 3.04 M |
EBITDA |
653 K | - | - | 678 K | - | - | - | 671 K | - | - | - | 903 K | - | 4.91 M | - | 1.62 M | - | 3.99 M | - | 1.2 M | - | 3.08 M | 2.02 M | 1.04 M | - | 2.95 M | 1.93 M | 942 K | - | 3.51 M | 2.42 M | 1.23 M | - | 3.76 M | 2.51 M | 1.23 M | - | 4.18 M | 2.86 M | 1.48 M | - | 4.52 M | 3 M | 1.47 M | - | 5.25 M | 3.26 M | 1.71 M | - | 6.1 M | 4.44 M | 2.21 M | - | 6.65 M | 4.41 M | 2.2 M | - | 3.92 M | 2.85 M | 1.54 M |
All numbers in USD currency
The income statement is one of the three key financial reports of a company Peoples Bancorp of North Carolina (alongside the balance sheet and the cash flow statement). It shows how the company makes money and what its expenses are:
- How much revenue the company earned
- How much it spent on production, personnel, marketing, taxes, etc.
- What profit remained in the end
Analyzing the income statement helps an investor understand whether the business generates stable and growing profits, how effectively the company controls its expenses, and whether it is capable of generating income in the future. Additionally, this analysis shows how the company copes with crises and economic cycles, and allows assessing the potential for stock price growth and dividend payments.
Features- The income statement may include both recurring and one-time items (for example, profit from the sale of assets). It is necessary to separate core metrics from one-off events for accurate analysis.
- Companies often publish interim reports (e.g., quarterly), which allows for more timely tracking of trends.
- A combined analysis of the income statement with the balance sheet and cash flow statement provides a comprehensive view of the company’s financial health.