Filing Flows › Financials › Peoples Bancorp of North Carolina (PEBK)
Peoples Bancorp of North Carolina (PEBK) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 3, 2026 · Peoples Bancorp of North Carolina (PEBK) Q3 2026 earnings results →
Q3 2026 Revenue up 5% year over year to $23.4M · 24¢ of every $1 of revenue kept as net profit · operating margin 31.5%
Peoples Bancorp of North Carolina made $23.4M in Q3 2026 (+5% Y/Y): Net interest income $16.7M, Noninterest income $6.7M. Operating margin 31.5%, net earnings $5.7M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 3, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $23.4M in Q3 2026, up 5% year over year and up 1% from the previous quarter. Net interest income was the largest line at 71% of revenue. Net interest income added $1.6M year over year (up 10%), 139% of the total change. Noninterest income declined 6%.
Operating profit was $7.4M, a 31.5% margin (up 10.0 points year over year). Of the extra revenue versus a year earlier, 227% reached operating profit, above the 22% margin then. Total costs fell 8% while revenue rose 5%. Net earnings were $5.7M, up 55% year over year. The effective tax rate was 22.3%.
Operating cash flow was $8.8M (up 87% year over year), 153% of net earnings. Non-cash charges added back $684K of depreciation and amortization. Working capital and other items added $2.4M. Capital expenditures of $400K left free cash flow of $8.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 3, 2026 | $23.4M | +5% | 31.5% | $5.7M | $8.8M |
Charts
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🔄Rotation against the market and its industry (RRG)interactive
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📈Investments: gains and what it boughtinteractive
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About Peoples Bancorp of North Carolina
Peoples Bancorp of North Carolina, Inc. (the “Company”), was formed in 1999 to serve as the holding company for Peoples Bank (the “Bank”). The Company is a bank holding company registered with the Board of Governors of the Federal Reserve System (the “Federal Reserve”) under the Bank Holding Company Act of 1956, as amended (the “BHCA”). The Company’s principal source of income is dividends declared and paid by the Bank on its capital stock, if any. The Company has no operations and conducts no business of its own other than owning the Bank and PEBK Capital Trust II. Accordingly, the discussion of the business which follows primarily concerns the business conducted by the Bank. Our principal executive offices are located at 518 West C Street, Newton, North Carolina, 28658, and our telephone number is (828) 464-5620.
In its own words, from its 10-K, filed Mar 11, 2026.
Peoples Bancorp of North Carolina against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +5% against the peers' median +10%. Operating margin: 31.5% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| PEBK Peoples Bancorp of North Carolina | Q3 2026 | $23.4M | +5% | 31.5% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Peoples Bancorp of North Carolina 10-Q on SEC EDGAR · CIK 1093672 · State Commercial Banks
Guidance and outlook
13F: who owns PEBK and who is buying
More on PEBK
History
Every quarter: Q3 2026 results