Filing Flows › Peoples Bancorp of North Carolina (PEBK) › Q3 2026 › vs Q3 2025
Peoples Bancorp of North Carolina (PEBK) Q3 2026 vs Q3 2025 (year over year)
Peoples Bancorp of North Carolina's revenue rose $1.1M (+5%) from $22.2M in Q3 2025 to $23.4M in Q3 2026. The biggest changes: Net interest income +$1.6M (+10%); Noninterest income −$438K (-6%). Operating margin 31.5% against 21.5% (+10.0 pts).
Peoples Bancorp of North Carolina, Q3 2026: revenue $23.4M (+5% year over year), operating margin 31.5%, net earnings $5.7M, operating cash flow $8.8M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 31.5% | 21.5% | +10.0 pts |
| Net margin | 24.5% | 16.6% | +7.9 pts |
| Free cash flow margin | 35.9% | 19.7% | +16.2 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $16.7M | $15.1M | $1.6M | +10% |
| Noninterest income | $6.7M | $7.1M | −$438K | -6% |
| Revenue | $23.4M | $22.2M | $1.1M | +5% |
| Operating profit | $7.4M | $4.8M | $2.6M | +54% |
| Costs & expenses | $16.0M | $17.5M | −$1.4M | -8% |
| Pre-tax earnings | $7.4M | $4.8M | $2.6M | +54% |
| Noninterest expense | $15.8M | $16.9M | −$1.2M | -7% |
| Other operating costs | $250K | $530K | −$280K | -53% |
| Net earnings | $5.7M | $3.7M | $2.0M | +55% |
| Income tax | $1.6M | $1.1M | $539K | +49% |
| Depreciation & amortization | $684K | $735K | −$51K | -7% |
| Working capital & other | $2.4M | $261K | $2.1M | +811% |
| Operating cash flow | $8.8M | $4.7M | $4.1M | +87% |
| Free cash flow (OCF − capex) | $8.4M | $4.4M | $4.0M | +92% |
| Capital expenditures | $400K | $314K | $86K | +27% |
Questions
How much did Peoples Bancorp of North Carolina's revenue grow year over year in Q3 2026?
Peoples Bancorp of North Carolina's revenue rose $1.1M (+5%) from $22.2M in Q3 2025 to $23.4M in Q3 2026.
What drove Peoples Bancorp of North Carolina's revenue change in Q3 2026?
Net interest income +$1.6M (+10%); Noninterest income −$438K (-6%).