PEBK
Peoples Bancorp of North Carolina, Inc.37.77
+0.05+0.13%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
200.52MP/E (TTM)
12.34Basic EPS (TTM)
3.06Dividend Yield
0.02%Recent Filings
10-Q
Q3 FY2025 results
Peoples Bancorp of North Carolina posted net earnings of $3.7 million in Q3 2025 ended September 30, down from $4.0 million a year earlier, with diluted EPS slipping to $0.67 from $0.72; yet year-to-date profits climbed to $13.2 million, or $2.41 per diluted share, from $12.8 million and $2.33. Net interest income rose 11.6% y/y to $15.1 million on higher loan yields and volumes, while the provision for credit losses edged up to $530,000 from $297,000 amid loan growth. Noninterest income held steady at $7.1 million, buoyed by a 17.1% jump in appraisal fees, but expenses climbed 12.7% to $16.9 million on legal costs tied to NCDOT litigation. Cash swelled to $117.0 million with operating cash flow of $16.1 million, and deposits hit $1.55 billion; junior subordinated debentures stood at $15.5 million. Non-GAAP metrics not disclosed in the 10-Q. Competition in local markets remains a key risk.
8-K
Q3 2025 earnings announced
Peoples Bancorp of North Carolina announced its third quarter 2025 earnings results via press release on October 20, 2025, under Item 2.02. The filing highlights forward-looking statements on operations, tempered by risks like interest rate shifts and market conditions. Details reside in Exhibit 99(a). Earnings shape strategy amid volatility.
10-Q
Q2 FY2025 results
Peoples Bancorp of North Carolina posted solid Q2 FY2025 results, with net interest income climbing 8.9% year-over-year to $14.6 million on stronger loan yields and lower funding costs, while appraisal fees from its CBRES unit surged 25% to $4.0 million amid rising volumes. Net earnings hit $5.2 million, up 5.6% from last year, lifting diluted EPS to $0.95; year-to-date, earnings reached $9.5 million, a 7.6% gain, with EPS at $1.74 on 5.47 million diluted shares. Loans grew 1.7% to $1.16 billion, deposits expanded 2.0% to $1.51 billion, and cash swelled 72% to $102 million, fueling $11.4 million in operating cash flow. Non-GAAP metrics not disclosed in the 10-Q. Yet competition in local markets could squeeze margins further.
8-K
Q2 2025 earnings announced
Peoples Bancorp of North Carolina announced its second quarter 2025 earnings results via press release on July 21, 2025, under Item 2.02. The release includes forward-looking statements on operations, tempered by risks like interest rate shifts and market conditions. Details reside in Exhibit 99(a). Forward-looking elements carry uncertainty from economic variables.
10-Q
Q1 FY2025 results
Peoples Bancorp of North Carolina posted solid Q1 results, with net earnings climbing to $4.3 million, up from $3.9 million a year ago, driven by net interest income rising $0.6 million y/y to $13.9 million on stronger loan yields (5.69% vs. 5.57%) and lower deposit costs (2.21% vs. 2.40%). Diluted EPS hit $0.79, matching 5.47 million weighted shares, while noninterest income jumped $0.5 million thanks to booming appraisal fees from CBRES, offsetting a minor securities sale loss. Expenses edged up slightly on appraisal costs, but operating cash flow reached $5.9 million, boosting cash to $102.5 million with no debt beyond $15.5 million in junior debentures. Loans grew to $1.15 billion, yet nonperformers ticked to 0.30% of assets. Competition in the Catawba Valley market remains a persistent drag.
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