Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $9.18M | $10.3M | $13.4M | $14.1M | $11.4M | $15.1M | $16.1M | $15.5M | $16.4M | $19.8M |
| EPS (diluted) | $1.50 | $1.69 | $2.22 | $2.36 | $1.95 | $2.63 | $2.85 | $2.77 | $2.98 | $3.62 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $12.2M | $18.6M | $17.2M | $13.2M | $9.16M | $26.9M | $22.6M | $22.8M | $20.6M | $21.4M |
| Capital expenditures | $1.61M | $5.56M | $1.74M | $2.83M | $2.49M | $484K | $4.56M | $1.95M | $587K | $1.41M |
| Free cash flow | $10.6M | $13.0M | $15.4M | $10.4M | $6.67M | $26.4M | $18.1M | $20.8M | $20.0M | $20.0M |
| Share buybacks | — | — | — | — | $3.00M | $3.60M | $710K | $2.00M | $2.00M | $0.00 |
| Dividends paid | $2.11M | $2.63M | $3.13M | $3.94M | $4.39M | $3.79M | $4.93M | $5.11M | $5.05M | $5.25M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $70.1M | $57.3M | $43.4M | $52.4M | $162M | $277M | $71.6M | $82.4M | $59.3M | $58.1M |
| Total assets | $1.09B | $1.09B | $1.09B | $1.15B | $1.42B | $1.62B | $1.62B | $1.64B | $1.65B | $1.70B |
| Total liabilities | $981M | $976M | $970M | $1.02B | $1.28B | $1.48B | $1.52B | $1.51B | $1.52B | $1.55B |
| Shareholders' equity | $107M | $116M | $124M | $134M | $140M | $142M | $105M | $121M | $131M | $157M |
| Retained earnings | $60.3M | $50.3M | $60.5M | $70.7M | $77.6M | $89.0M | $100M | $110M | $121M | $136M |
| Shares (wtd avg diluted) | 6.10M | 6.06M | 6.02M | 5.97M | 5.82M | 5.75M | 5.66M | 5.61M | 5.48M | 5.47M |
Every figure is extracted from PEOPLES BANCORP OF NORTH CAROLINA INC’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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