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Peoples Bancorp of North Carolina Inc

NAS:PEBKFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$43.89−0.98%At closeAt close · Tue 20 Oct · ≈ AED 161.17 · Market cap $239.68M

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	87.5%	96.8%	93.2%	78.2%	73.0%	77.7%	—	—
Operating margin	21.4%	29.6%	28.7%	23.2%	21.4%	22.6%	22.6%	+0.0 pts
Net margin	17.6%	23.7%	22.8%	18.1%	16.7%	17.3%	17.3%	+0.0 pts
EBITDA margin	27.9%	38.3%	37.2%	26.9%	24.4%	24.9%	—	—
Return on equity	8.1%	10.6%	15.3%	12.8%	12.5%	12.6%	12.6%	+0.0 pts
Return on assets	0.8%	0.9%	1.0%	1.0%	1.0%	1.2%	1.2%	+0.0 pts
Return on capital employed	8.7%	11.6%	16.1%	12.7%	12.5%	13.4%	—	—
Debt / equity	0.3×	0.4×	0.6×	0.9×	0.2×	0.1×	0.1×	+0.0%
Debt / assets	3.2%	3.5%	4.2%	6.5%	1.2%	1.1%	—	—
Interest coverage	3.6×	5.9×	6.1×	1.2×	0.8×	1.1×	—	—
Current ratio	0.3×	0.5×	0.4×	0.3×	0.2×	0.2×	0.2×	+0.0%
Quick ratio	0.3×	0.5×	0.4×	0.3×	0.2×	0.2×	—	—
Cash ratio	0.1×	0.2×	0.0×	0.1×	0.0×	0.0×	0.0×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	—	—
Receivables turnover	3.5×	3.3×	1.9×	—	—	—	—	—
Dividend payout	38.7%	25.1%	30.6%	32.9%	30.9%	26.5%	—	—