What is the long-term trend for Peoples Bancorp of North Carolina's free cash flow margin?

Over 2 years (2020 to 2024), Peoples Bancorp of North Carolina's free cash flow margin has grown at a 56.6% compound annual growth rate (CAGR), from 9.9% to 24.4%.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

Peoples Bancorp of North Carolina PEBK Free cash flow margin

Free cash flow margin at other companies

Pioneer Bancorp, Inc.PBFS

32.4%—

Home BancorpHBCP

33.1%+1.1pp

Peoples BancorpPEBO

28%-2.1pp

PRO

Provident Financial HoldingsPROV

18.9%—

Provident Financial ServicesPFS

47.8%-11.9pp

CB Financial ServicesCBFV

34.7%+24.6pp

Other financials

Income statement

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Revenue$21.6M+5.4%

Net income$4.4M+1.2%

EPS (diluted)$0.80+1.3%

Balance sheet

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Cash & equivalents$61.3M-40.2%

Total debt$3.4M-13.1%

Total equity$158.1M+14.2%

Total assets$1.7B+2.5%

Cash flow

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Operating cash flow$5.0M-15.1%

CapEx$448.0K-41.3%

Free cash flow$4.6M-11.3%

Valuation

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Market cap$228.8M+48.6%

Enterprise value$170.98M+204%

P/E11.5×+2.5×

P/S2.8×—

Profitability

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Net margin20.5%—

Returns & leverage

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Return on equity13.4%+0.5pp

Debt / equity0×0.0×

Where this comes from

Calculated from Peoples Bancorp of North Carolina’s reported figures.

free cash flow/total revenue=26.4%

Based on trailing twelve months.

The official record: Peoples Bancorp of North Carolina’s 10-Q, filed May 6, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Peoples Bancorp of North Carolina's free cash flow margin?: Peoples Bancorp of North Carolina (PEBK) reported free cash flow margin of 26.4% in Q1 2025.
What is the long-term trend for Peoples Bancorp of North Carolina's free cash flow margin?: Over 2 years (2020 to 2024), Peoples Bancorp of North Carolina's free cash flow margin has grown at a 56.6% compound annual growth rate (CAGR), from 9.9% to 24.4%.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.