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Peoples Bancorp of North Carolina cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$8.4M in Q3 2026 · $24.1M over twelve months

Operating cash flow$8.8M
Capital spending−$400K
Free cash flow+$8.4M
Cash / net income1.5×

Analysis

In Q3 2026, Peoples Bancorp of North Carolina generated $8.8M of operating cash flow and spent $400K on capital projects, leaving free cash flow of $8.4M. That is $4.0M more than in Q3 2025 ($4.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $25.5M; the largest uses were other investing ($93.5M), dividends ($5.5M), capital spending ($1.5M); besides operations, cash came from other financing ($15.0M); the cash balance fell by $59.9M.

Operating cash flow was $8.8M against net income of $5.7M — 1.5× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$725K, depreciation & amortization +$684K, other liabilities +$464K.

Free cash flow

Peoples Bancorp of North Carolina: free cash flow by quarterPeoples Bancorp of North Carolina: free cash flow by quarter$5.2MQ4 2024$5.2MQ1 2025$5.4MQ2 2025$4.4MQ3 2025$5.1MQ4 2025$4.6MQ1 2026$6.0MQ2 2026$8.4MQ3 2026
Operating cash flow less capital spending.
Peoples Bancorp of North Carolina: operating cash flow against capital spendingPeoples Bancorp of North Carolina: operating cash flow against capital spendingOperating cash flowCapital spending$5.3M$160KQ4 2024$5.9M$763KQ1 2025$5.5M$102KQ2 2025$4.7M$314KQ3 2025$5.3M$234KQ4 2025$5.0M$448KQ1 2026$6.4M$397KQ2 2026$8.8M$400KQ3 2026
Latest (Q3 2026): Operating cash flow $8.8M, Capital spending $400K.

Capital allocation, year by year

Peoples Bancorp of North Carolina: where the cash came from (up) and went (down), by fiscal yearPeoples Bancorp of North Carolina: where the cash came from (up) and went (down), by fiscal yearOperating cash flowAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $26.9MFY2021: Asset sales $515KFY2021: Capital spending −$484KFY2021: Buybacks −$3.6MFY2021: Dividends −$3.8M$27.4MFY2021FY2022: Operating cash flow $22.6MFY2022: Capital spending −$4.6MFY2022: Buybacks −$710KFY2022: Dividends −$4.9M$22.6MFY2022FY2023: Operating cash flow $22.8MFY2023: Asset sales $1.5MFY2023: Capital spending −$1.9MFY2023: Buybacks −$2.0MFY2023: Dividends −$5.1M$24.2MFY2023FY2024: Operating cash flow $20.6MFY2024: Capital spending −$587KFY2024: Buybacks −$2.0MFY2024: Dividends −$5.0M$20.6MFY2024FY2025: Operating cash flow $21.4MFY2025: Capital spending −$1.4MFY2025: Dividends −$5.2M$21.4MFY2025
Over these 5 years operating cash flow totalled $114M; the largest uses were dividends ($24.1M) and capital spending ($9.0M). Cash-flow statements as filed.

Where the cash came from and went

Peoples Bancorp of North Carolina: sources (+) and uses (−) of cash, Q3 2026Peoples Bancorp of North Carolina: sources (+) and uses (−) of cash, Q3 2026Other investing−$11.5MOperating cash flow$8.8MCash drawn (+) / kept (−)$3.7MDividends−$1.1MOther financing$523KCapital spending−$400K
Peoples Bancorp of North Carolina: sources (+) and uses (−) of cash, TTM to Q3 2026Peoples Bancorp of North Carolina: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$93.5MCash drawn (+) / kept (−)$59.9MOperating cash flow$25.5MOther financing$15.0MDividends−$5.5MCapital spending−$1.5M

From profit to cash

Peoples Bancorp of North Carolina: net income to operating cash flow, Q3 2026Peoples Bancorp of North Carolina: net income to operating cash flow, Q3 2026Net income$5.7MDepreciation & amortization$684KDeferred taxes$13KPrepaid and other assets$725KOther liabilities$464KOperating cash flow$8.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$8.8M−$400K−$1.1M$3.7M$8.4M
Q2 2026$6.4M−$397K−$1.1M$379K$6.0M
Q1 2026$5.0M−$448K−$2.1M−$3.2M$4.6M
Q4 2025$5.3M−$234K−$1.1M$58.9M$5.1M
Q3 2025$4.7M−$314K−$1.1M−$15.0M$4.4M
Q2 2025$5.5M−$102K−$1.1M$520K$5.4M
Q1 2025$5.9M−$763K−$2.0M−$43.3M$5.2M
Q4 2024$5.3M−$160K−$1.0M$13.9M$5.2M

Peoples Bancorp of North Carolina: income statement and cash flow

Peoples Bancorp of North Carolina, Q3 2026: revenue $23.4M (+5% year over year), operating margin 31.5%. The chart follows the revenue to costs, profit and cash.

Peoples Bancorp of North Carolina: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.