Peoples Bancorp of North Carolina, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Peoples Bancorp of North Carolina, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$53Sales grew 10% in 3 years; of every extra $100 of sales, $53 became extra profit.
Higher than 78% of Financial Services companies in United States.
Asset Productivity Ratio
+10% / +5%In 3 years sales changed by +10% while total assets changed by +5%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Peoples Bancorp of North Carolina, Inc. owes $0.91 for every $1 it owns. Net profit rose 21% in the year to Dec 2025, and grew 7% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
10.9Investors pay $10.9 for every $1 of Peoples Bancorp of North Carolina, Inc.'s yearly profit, lower than 70% of Financial Services companies in United States.
P/B ratio
1.45The share price is 1.45 times Peoples Bancorp of North Carolina, Inc.'s book value per share, higher than 65% of Financial Services companies in United States.
Market cap
$234 MThe total market value of all of Peoples Bancorp of North Carolina, Inc.'s shares at today's price (share price × number of shares), smaller than 79% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$161 MWhat Peoples Bancorp of North Carolina, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$30.32Net worth divided by the number of shares. The share price of $43.90 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
14.3%Peoples Bancorp of North Carolina, Inc. earned 14.3% on its shareholders' money over the last year, higher than 73% of Financial Services companies in United States.
Owes vs Owns
0.91×Peoples Bancorp of North Carolina, Inc. owes $0.91 for every $1 it owns (high), higher than 85% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.94%Peoples Bancorp of North Carolina, Inc. pays 1.94% of its share price as dividends a year, lower than 72% of dividend-paying Financial Services companies in United States.
Revenue growth
+5%Revenue rose 5% in the year to Dec 2025, and grew 3% a year on average over 3 years.
Profit growth
+21%Net profit rose 21% in the year to Dec 2025, and grew 7% a year on average over 3 years.
Profit margin
26.6%Peoples Bancorp of North Carolina, Inc. keeps $27 of every $100 of revenue as net profit.
Questions
What is Peoples Bancorp of North Carolina, Inc.'s P/E ratio?
Investors pay $10.9 for every $1 of Peoples Bancorp of North Carolina, Inc.'s yearly profit, lower than 70% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Peoples Bancorp of North Carolina, Inc.: $234 M ÷ $161 M (30 Jun 2026) = 1.4.
What is Peoples Bancorp of North Carolina, Inc.'s return on equity?
Peoples Bancorp of North Carolina, Inc. earned 14.3% on its shareholders' money over the last year, higher than 73% of Financial Services companies in United States.
How much does Peoples Bancorp of North Carolina, Inc. owe compared with what it owns?
Peoples Bancorp of North Carolina, Inc. owes $0.91 for every $1 it owns (high), higher than 85% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Peoples Bancorp of North Carolina, Inc. pay a dividend?
Yes. Peoples Bancorp of North Carolina, Inc. pays 1.94% of its share price as dividends a year, lower than 72% of dividend-paying Financial Services companies in United States.
Is Peoples Bancorp of North Carolina, Inc.'s revenue growing?
Revenue rose 5% in the year to Dec 2025, and grew 3% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.