What does provision for credit losses mean?

Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.

Peoples Bancorp of North Carolina PEBK Provision for Credit Losses

Provision for Credit Losses at other companies

Wells Fargo & CompanyWFC

$1.14B+21.8%

PRO

Provident Financial HoldingsPROV

$326K+183%

Provident Financial ServicesPFS

$2.54M+718%

BCB BancorpBCBP

-$420K-282%

Citizens & NorthernCZNC

$13.6M+5,664%

Farmers National Banc CorpFMNB

-$1.01M-4,705%

Other financials

Income statement

See full

Revenue$21.6M+5.4%

Net income$4.4M+1.2%

EPS (diluted)$0.80+1.3%

Balance sheet

See full

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

See full

Operating cash flow$5.0M-15.1%

CapEx$448.0K-41.3%

Free cash flow$4.6M-11.3%

Valuation

See full

Market cap$228.8M+48.6%

Enterprise value$170.98M+204%

P/E11.5×+2.5×

P/S2.8×—

Profitability

See full

Net margin20.5%—

FCF margin26.4%—

Returns & leverage

See full

Return on equity13.4%+0.5pp

Debt / equity0×0.0×

Where this comes from

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

Tagged under the XBRL concept us-gaap:ProvisionForLoanAndLeaseLosses.

The official record: Peoples Bancorp of North Carolina’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Peoples Bancorp of North Carolina's provision for credit losses?: Peoples Bancorp of North Carolina (PEBK) reported provision for credit losses of $560K in Q1 2026.
How has Peoples Bancorp of North Carolina's provision for credit losses changed year-over-year?: Peoples Bancorp of North Carolina's provision for credit losses increased by 109.0% year-over-year, from $268K to $560K.
What does provision for credit losses mean?: Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.