Filing Flows › Peoples Bancorp of North Carolina (PEBK) › Q3 2026
Peoples Bancorp of North Carolina (PEBK) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 3, 2026
Peoples Bancorp of North Carolina (PEBK) reported revenue of $23.4M for the third quarter 2026 (Q3 2026), +5% from a year earlier and +1% from the quarter before. Operating margin was 31.5%, net earnings $5.7M (24.5% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $23.4M | +1% | +5% |
| Operating profit | $7.4M | +9% | +54% |
| Net earnings | $5.7M | +9% | +55% |
| Operating cash flow | $8.8M | +37% | +87% |
| Free cash flow | $8.4M | +39% | +92% |
What changed
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.
Questions
What was Peoples Bancorp of North Carolina's revenue in the third quarter 2026?
Peoples Bancorp of North Carolina (PEBK) reported revenue of $23.4M for the third quarter 2026 (Q3 2026), +5% from a year earlier and +1% from the quarter before.
Was Peoples Bancorp of North Carolina profitable in the third quarter 2026?
Operating profit was $7.4M (31.5% of revenue) and net earnings $5.7M.
Source: Peoples Bancorp of North Carolina 10-Q on SEC EDGAR.