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First National vs Peoples Bancorp of North Carolina: FXNC and PEBK compared
First National is the larger company: $24.0M of revenue in its latest quarter (Q2 2026) against $23.4M for Peoples Bancorp of North Carolina (Q3 2026). First National is growing faster (+7% against +5% a year earlier). Peoples Bancorp of North Carolina is more profitable, with an operating margin of 31.5% against 29.7%.
Where the money goes: FXNC and PEBK
First National (FXNC) · Q2 2026
First National, Q2 2026: revenue $24.0M (+7% year over year), operating margin 29.7%, net earnings $5.7M, operating cash flow $6.9M. The chart follows the revenue to costs, profit and cash.
Peoples Bancorp of North Carolina (PEBK) · Q3 2026
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.
| First National (FXNC) | Peoples Bancorp of North Carolina (PEBK) | |
|---|---|---|
| Latest quarter | Q2 2026 | Q3 2026 |
| Revenue | $24.0M | $23.4M |
| Revenue growth, Y/Y | +7% | +5% |
| Operating margin | 29.7% | 31.5% |
| Net earnings | $5.7M | $5.7M |
| Net margin | 23.9% | 24.5% |
| Operating cash flow | $6.9M | $8.8M |
| Free cash flow | $6.5M | $8.4M |
Where the revenue comes from
Peoples Bancorp of North Carolina
- Net interest income: $16.7M (71%)
- Noninterest income: $6.7M (29%)
Questions
Which is bigger, First National or Peoples Bancorp of North Carolina?
First National is the larger company: $24.0M of revenue in its latest quarter (Q2 2026) against $23.4M for Peoples Bancorp of North Carolina (Q3 2026).
Is First National or Peoples Bancorp of North Carolina growing faster?
First National is growing faster (+7% against +5% a year earlier).
Which is more profitable, First National or Peoples Bancorp of North Carolina?
Peoples Bancorp of North Carolina is more profitable, with an operating margin of 31.5% against 29.7%.
More: First National earnings · how First National makes money · Peoples Bancorp of North Carolina earnings · how Peoples Bancorp of North Carolina makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Aug 13, 2026; 10-Q filed Nov 3, 2026). Fiscal quarters can end on different dates. Not investment advice.