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Peoples Bancorp of North Carolina PEBK Consolidated Amount — Capital Required For Capital Adequacy

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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%
FCF margin26.4%

Returns & leverage

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Return on equity13.4%+0.5pp
Debt / equity0.0×

Where this comes from

Reported directly by Peoples Bancorp of North Carolina in its filing.

Tagged under the XBRL concept us-gaap:CapitalRequiredForCapitalAdequacy.

The official record: Peoples Bancorp of North Carolina’s 10-K, filed March 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Peoples Bancorp of North Carolina's consolidated amount — capital required for capital adequacy?
Peoples Bancorp of North Carolina (PEBK) reported consolidated amount — capital required for capital adequacy of $106.61M in Q4 2025.
How has Peoples Bancorp of North Carolina's consolidated amount — capital required for capital adequacy changed year-over-year?
Peoples Bancorp of North Carolina's consolidated amount — capital required for capital adequacy increased by 4.4% year-over-year, from $102.13M to $106.61M.
What does consolidated amount — capital required for capital adequacy mean?
This represents the minimum amount of capital the bank is required to hold to meet regulatory capital adequacy standards. It defines the baseline capital cushion necessary to support the bank's risk profile and ongoing operations.