PEBK Peoples Bancorp of North Carolina, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 4, 2026
$44.27
· of 52w range
· above low
· to high
$27.3352w low
$45.7852w high
Market Cap (MRQ)
$242M
P/E
12.2
EPS
$3.62
your badges
52W Range
$27–$46
Analyst Rating
·
Price Target
·
P/E
12.2
ROE
13.2%
Net Profit Margin
22.0%
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PEBK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$44.27
Market Cap (MRQ)
$242M
P/E
12.2
EPS
$3.62
Div Yield
2.2%
ROE
13.2%
52W Range
$27–$46
PEBK Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| Dec. 1, 2017 | 11-for-10 | Forward |
| June 18, 2007 | 3-for-2 | Forward |
| June 1, 2006 | 11-for-10 | Forward |
| March 1, 2005 | 11-for-10 | Forward |
| April 6, 2000 | 11-for-10 | Forward |
| March 23, 1999 | 3-for-2 | Forward |
| April 29, 1997 | 11-for-10 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$3.622017-12-31 → 2025-12-31
Free Cash Flow$20M2017-12-31 → 2025-12-31
Net margin22.0%2017-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | PEBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 12.25Y avg ≈10.8 | ≈10.8 | 11.6 | Fair value | |
| P/B (MRQ) | 1.55Y avg ≈437.2 | ≈437.2 | 1.2 | Overvalued | |
| Price / FCF (TTM) | 12.15Y avg ≈2542.5 | ≈2542.5 | · | · | |
| Price / Cash Flow (TTM) | 11.35Y avg ≈2031.4 | ≈2031.4 | 8.4 | Overvalued | |
| Price / Tangible Book | 1.55Y avg ≈437.2 | ≈437.2 | · | · | |
| PEG Ratio | ≈0.9 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | PEBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 3.0%5Y avg ≈10.7% | ≈10.7% | · | · | |
| Pretax Margin | 28.7%5Y avg ≈54.3% | ≈54.3% | 31.8% | In line | |
| Net Profit Margin | 22.0%5Y avg ≈42.5% | ≈42.5% | 26.1% | In line | |
| ROA | 1.2%5Y avg ≈1.0% | ≈1.0% | 0.93% | Top tier | |
| ROE | 13.2%5Y avg ≈13.6% | ≈13.6% | 9.9% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | PEBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 10.0%5Y avg ≈7.0% | ≈7.0% | · | · | |
| Revenue CAGR 3Y | 5.7%5Y avg ≈5.3% | ≈5.3% | · | · | |
| Revenue CAGR 5Y | 6.1% | · | · | · | |
| EPS YoY | 21.5%5Y avg ≈8.7% | ≈8.7% | · | · | |
| Net Income YoY | 21.3%5Y avg ≈7.4% | ≈7.4% | · | · | |
| EPS CAGR 3Y | 8.3%5Y avg ≈8.3% | ≈8.3% | · | · | |
| EPS CAGR 5Y | 13.2% | · | · | · | |
| Net Income CAGR 3Y | 7.1%5Y avg ≈6.9% | ≈6.9% | · | · | |
| Net Income CAGR 5Y | 11.8% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | PEBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.15Y avg ≈0.0 | ≈0.0 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield2.2%
Payout Ratio26.5%
Annualized Payout≈$0.84
5Y Div CAGR≈5.9%
Growth Streak≈13
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 3, 2026 | $0.21 | USD | ≈2.3% |
| Jun 3, 2026 | $0.21 | USD | ≈2.4% |
| Mar 4, 2026 | $0.21 | USD | ≈2.6% |
| Feb 4, 2026 | $0.17 | USD | ≈2.0% |
| Dec 3, 2025 | $0.20 | USD | ≈2.9% |
| Sep 3, 2025 | $0.20 | USD | ≈3.0% |
| Jun 3, 2025 | $0.20 | USD | ≈3.4% |
| Mar 3, 2025 | $0.20 | USD | ≈3.5% |
| Feb 3, 2025 | $0.16 | USD | ≈2.6% |
| Dec 3, 2024 | $0.19 | USD | ≈2.9% |
| Sep 3, 2024 | $0.19 | USD | ≈3.2% |
| Jun 3, 2024 | $0.19 | USD | ≈3.0% |
| Mar 1, 2024 | $0.19 | USD | ≈3.5% |
| Feb 2, 2024 | $0.16 | USD | ≈2.7% |
| Dec 1, 2023 | $0.19 | USD | ≈3.3% |
| Sep 1, 2023 | $0.19 | USD | ≈4.2% |
| Jun 1, 2023 | $0.19 | USD | ≈5.1% |
| Mar 2, 2023 | $0.19 | USD | ≈2.6% |
| Feb 2, 2023 | $0.15 | USD | ≈2.1% |
| Dec 1, 2022 | $0.18 | USD | ≈2.9% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Oct 19, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| Dec. 31, 2025 | $1.21 | — | — | |
| Sept. 30, 2024 | $0.72 | — | — | |
| June 30, 2024 | $0.89 | — | — | |
| March 31, 2024 | $0.72 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | $25M | $27M | $17M | $3M | $3M | $4M | $4M | $2M | $2M | $3M | $3M | $4M | |
| Interest Income | $84M | $81M | $72M | $54M | $47M | $48M | $50M | $45M | $42M | $40M | $39M | $38M | |
| Pretax Income | $26M | $21M | $20M | $20M | $19M | $14M | $17M | $16M | $14M | $12M | $13M | $11M | |
| Income Tax | $6M | $5M | $4M | $4M | $4M | $2M | $3M | $3M | $4M | $3M | $3M | $2M | |
| Net Income | $20M | $16M | $16M | $16M | $15M | $11M | $14M | $13M | $10M | $9M | $10M | $9M | |
| EPS (Basic) | $3.74 | $3.08 | $2.87 | $2.94 | $2.71 | $2.01 | $2.43 | $2.23 | $1.71 | $1.53 | $1.57 | $1.67 | |
| EPS (Diluted) | $3.62 | $2.98 | $2.77 | $2.85 | $2.63 | $1.95 | $2.36 | $2.22 | $1.69 | $1.50 | $1.56 | $1.66 | |
| Shares (Basic) | 5,305,272 | 5,300,964 | 5,424,890 | 5,480,123 | 5,576,099 | 5,657,025 | 5,799,505 | 5,995,256 | 5,988,183 | 6,024,970 | 6,115,159 | 5,615,666 | |
| Shares (Diluted) | 5,471,174 | 5,482,787 | 5,610,214 | 5,661,189 | 5,748,865 | 5,821,622 | 5,966,485 | 6,015,496 | 6,062,850 | 6,102,777 | 6,167,908 | 5,641,992 | |
| EBITDA | $3M | $3M | $3M | $6M | $6M | $4M | · | $5M | $5M | $5M | $6M | $7M |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $58M | $59M | $82M | $72M | $277M | $162M | $52M | $43M | $57M | $70M | $40M | $69M | |
| PP&E (Net) | $14M | $15M | $17M | $18M | $16M | $19M | $19M | $18M | $20M | $16M | $17M | $17M | |
| PP&E (Gross) | $46M | $45M | $45M | $51M | $48M | $49M | $47M | $46M | $45M | $40M | $39M | $38M | |
| Accum. Depreciation | $32M | $30M | $28M | $33M | $32M | $31M | $28M | $27M | $25M | $24M | $22M | $21M | |
| Total Assets | $1.70B | $1.65B | $1.64B | $1.62B | $1.62B | $1.42B | $1.15B | $1.09B | $1.09B | $1.09B | $1.04B | $1.04B | |
| Total Liabilities | $1.55B | $1.52B | $1.51B | $1.52B | $1.48B | $1.28B | $1.02B | $970M | $976M | $981M | $934M | $942M | |
| Common Stock | $49M | $49M | $51M | $53M | $53M | $658M | $60M | $62M | $62M | $44M | $46M | $48M | |
| Retained Earnings | $136M | $121M | $110M | $100M | $89M | $78M | $71M | $61M | $50M | $60M | $53M | $45M | |
| AOCI | $-27M | $-39M | $-39M | $-48M | $96.0K | $5M | $4M | $986.0K | $4M | $3M | $6M | $5M | |
| Stockholders' Equity | $157M | $131M | $121M | $105M | $142M | $140M | $134M | $124M | $116M | $107M | $105M | $99M | |
| Liabilities + Equity | $1.70B | $1.65B | $1.64B | $1.62B | $1.62B | $1.42B | $1.15B | $1.09B | $1.09B | $1.09B | $1.04B | $1.04B | |
| Shares Outstanding | 5,459,441 | 5,457,646 | 5,534,499 | 5,636,830 | 5,661,569,000 | 5,787,504 | 5,912,300 | 5,995,256 | 5,995,256 | 5,417,800 | 5,510,538 | 5,612,588 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $3M | $3M | $3M | $6M | $6M | $4M | $4M | $5M | $5M | $5M | $6M | $7M | |
| Stock-based Comp | · | · | · | · | $181.0K | $27.0K | $270.0K | $85.0K | $592.0K | $932.0K | $487.0K | $389.0K | |
| Deferred Tax | $432.0K | $1M | $-453.0K | $-541.0K | $-227.0K | $-560.0K | $164.0K | $78.0K | $2M | $1M | $673.0K | $178.0K | |
| Other Non-cash | $-2M | $284.0K | $5M | $1M | $6M | $-6M | · | $-929.0K | $596.0K | $-4M | $-3M | $-2M | |
| Operating Cash Flow | $21M | $21M | $23M | $23M | $27M | $9M | $13M | $17M | $19M | $12M | $14M | $2M | |
| CapEx | $1M | $587.0K | $2M | $5M | $484.0K | $2M | $3M | $2M | $6M | $2M | $2M | $3M | |
| Investing Cash Flow | $-42M | $-43M | $-753.0K | $-256M | $-106M | $-149M | $-48M | $-19M | $-24M | $-24M | $-30M | $-12M | |
| Stock Repurchased | $0 | $2M | $2M | $710.0K | $4M | $3M | · | · | · | · | · | · | |
| Net Stock Activity | $0 | $-2M | $-2M | $-710.0K | · | · | · | · | · | · | · | · | |
| Dividends Paid | $5M | $5M | $5M | $5M | $4M | $4M | $4M | $3M | $3M | $2M | $2M | $1M | |
| Financing Cash Flow | $19M | $-1M | $-11M | $27M | $195M | $249M | $44M | $-13M | $-7M | $42M | $-13M | $2M | |
| Net Change in Cash | · | · | · | $-206M | $116M | $109M | $9M | $-14M | $-13M | $30M | $-29M | $-8M | |
| Taxes Paid | · | $5M | $4M | $5M | $4M | $3M | $3M | $1M | $2M | $2M | $2M | $2M | |
| Free Cash Flow | $20M | $20M | $21M | $18M | $26M | $7M | · | $15M | $13M | $11M | $12M | $11M | |
| Levered FCF | $1M | $-855.3K | $7M | $15M | $24M | $4M | · | $14M | $11M | $8M | $9M | $8M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 22.0% | 19.9% | 67.8% | 60.4% | 22.0% | 16.9% | · | 22.5% | 19.6% | 18.2% | 19.9% | 20.3% | |
| Pretax Margin | 28.7% | 25.5% | 87.0% | 76.0% | 27.5% | 20.6% | · | 27.0% | 27.1% | 23.2% | 26.3% | 24.5% | |
| EBITDA Margin | 3.0% | 3.5% | 13.6% | 22.6% | 8.1% | 6.2% | · | 7.7% | 9.6% | 10.7% | 12.5% | 14.9% | |
| ROA | 1.2% | 0.99% | 0.96% | 0.99% | 1.0% | 0.88% | · | 1.2% | 0.94% | 0.86% | 0.93% | 0.90% | |
| ROE | 13.2% | 12.3% | 13.6% | 15.4% | 10.6% | 8.1% | · | 11.2% | 9.2% | 8.6% | 9.5% | 10.3% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | · | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $28.78 | $23.92 | $21.87 | $0.02 | $24.08 | $24.17 | · | $20.62 | $19.34 | $19.83 | $19.03 | $17.58 | |
| Revenue / Share | $16.45 | $14.97 | $4.08 | $4.71 | $11.98 | $11.51 | · | $9.87 | $8.64 | $9.10 | $8.65 | $8.21 | |
| Cash Flow / Share | $3.91 | $3.75 | $4.06 | $4.00 | $4.68 | $1.57 | · | $2.86 | $3.07 | $2.21 | $2.47 | $2.56 | |
| Cash / Share | $10.64 | $10.86 | · | $0.01 | $46.94 | $27.92 | · | $7.23 | $9.56 | $12.94 | $7.22 | $12.31 | |
| Dividend / Share | $0.96 | $0.92 | $0.91 | $0.87 | $0.66 | $0.75 | $0.66 | $0.52 | $0.44 | $0.35 | $0.25 | $0.18 | |
| EPS (TTM) | $3.62 | $2.98 | $2.77 | $2.85 | $2.63 | $1.95 | $2.36 | $2.22 | $1.69 | $1.50 | $1.56 | $1.66 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 10.0% | 7.5% | -0.34% | 10.8% | 2.8% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 5.7% | 5.9% | 4.3% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 6.1% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 21.5% | 7.6% | -2.8% | 8.4% | 34.9% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 8.3% | 4.2% | 12.4% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 13.2% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 21.3% | 5.2% | -3.6% | 6.5% | 33.2% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 7.1% | 2.6% | 11.0% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 11.8% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 3.6% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $20M | $16M | $16M | $16M | $15M | $11M | $14M | $13M | $10M | $9M | $10M | $9M | |
| Market Cap | $198M | $171M | $171M | $183.54B | $163M | $133M | · | $147M | $184M | $123M | $97M | $92M | |
| P/E | 10.0 | 10.5 | 11.2 | 11.4 | 10.5 | 11.8 | 13.9 | 11.0 | 18.2 | 15.2 | 11.3 | 9.9 | |
| P/B | 1.3 | 1.3 | 1.4 | 1744.7 | 1.1 | 1.0 | · | 1.2 | 1.6 | 1.1 | 0.9 | 0.9 | |
| P / Tangible Book | 1.3 | 1.3 | 1.4 | 1744.7 | 1.1 | 1.0 | · | · | · | · | · | · | |
| P / Cash Flow | 9.2 | 8.3 | 7.5 | 8100.6 | 6.1 | 14.5 | · | 8.5 | 9.9 | 10.1 | 7.0 | 6.4 | |
| P / FCF | 9.9 | 8.5 | 8.2 | 10143.4 | 6.2 | 20.0 | · | 9.5 | 14.1 | 11.6 | 8.4 | 8.1 | |
| Dividend Yield | 2.6% | 3.0% | 3.0% | 0.00% | 2.3% | 3.3% | · | 2.1% | 1.4% | 1.7% | 1.6% | 1.1% | |
| Earnings Yield | 10.0% | 9.5% | 8.9% | 8.8% | 9.5% | 8.5% | 7.2% | 9.1% | 5.5% | 6.6% | 8.9% | 10.2% | |
| Payout Ratio | 26.5% | 30.9% | 32.9% | 30.6% | 25.1% | 38.7% | · | 23.4% | 25.6% | 22.9% | 16.3% | 10.9% | |
| Annual Payout | $5M | $5M | $5M | $5M | $4M | $4M | $4M | $3M | $3M | $2M | $2M | $1M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | $6M | $6M | $6M | $6M | $6M | $6M | $7M | $7M | $7M | $7M | $6M | $5M | $4M | $2M | $1M | $818.0K | |
| Interest Income | $22M | $21M | $22M | $21M | $21M | $20M | $20M | $20M | $20M | $20M | $19M | $18M | $18M | $17M | $16M | $15M | |
| Pretax Income | $7M | $6M | $9M | $5M | $7M | $6M | $5M | $5M | $6M | $5M | $4M | $5M | $6M | $4M | $5M | $7M | |
| Income Tax | $1M | $1M | $2M | $1M | $2M | $1M | $1M | $1M | $1M | $787.0K | $984.0K | $1M | $1M | $851.0K | $1M | $1M | |
| Net Income | $5M | $4M | $7M | $4M | $5M | $4M | $4M | $4M | $5M | $4M | $3M | $4M | $5M | $3M | $4M | $5M | |
| EPS (Basic) | $0.98 | $0.83 | $1.25 | $0.70 | $0.97 | $0.82 | $0.67 | $0.74 | $0.93 | $0.74 | $0.65 | $0.76 | $0.88 | $0.58 | $0.76 | $0.96 | |
| EPS (Diluted) | $0.96 | $0.80 | $1.21 | $0.67 | $0.95 | $0.79 | $0.65 | $0.72 | $0.89 | $0.72 | $0.62 | $0.74 | $0.85 | $0.56 | $0.74 | $0.93 | |
| Shares (Basic) | 5,320,519 | 5,310,478 | · | 5,309,028 | 5,303,370 | 5,299,155 | · | 5,295,765 | 5,290,856 | 5,318,671,000 | · | 5,402,048 | 5,451,521 | 5,475,603,000 | · | 5,473,443,000 | |
| Shares (Diluted) | 5,475,741 | 5,470,253 | · | 5,471,622 | 5,470,212 | 5,469,639 | · | 5,480,957 | 5,476,350 | 5,501,150,000 | · | 5,587,286 | 5,633,906 | 5,656,250,000 | · | 5,657,568,000 | |
| EBITDA | · | $653.0K | · | · | · | $678.0K | · | · | · | $671.0K | · | · | · | $903.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $61M | $61M | $58M | · | · | · | $59M | $73M | · | · | $82M | · | $89M | $83M | · | $155M | |
| PP&E (Net) | $14M | $14M | $14M | $14M | $15M | $15M | $15M | $15M | $16M | $16M | $17M | $17M | $17M | $18M | · | $19M | |
| PP&E (Gross) | · | · | $46M | · | · | · | $45M | · | · | · | $45M | · | · | · | · | · | |
| Accum. Depreciation | · | · | $32M | · | · | · | $30M | · | · | · | $28M | · | · | · | · | · | |
| Total Assets | $1.76B | $1.73B | $1.70B | $1.74B | $1.69B | $1.69B | $1.65B | $1.66B | $1.66B | $1.67B | $1.64B | $1.61B | $1.61B | $1.60B | · | $1.68B | |
| Total Liabilities | $1.60B | $1.58B | $1.55B | $1.59B | $1.55B | $1.55B | $1.52B | $1.53B | $1.53B | $1.55B | $1.51B | $1.50B | $1.50B | $1.49B | · | $1.57B | |
| Common Stock | $49M | $49M | $49M | $49M | $49M | $49M | $49M | $49M | $49M | $49M | $51M | $51M | $52M | $53M | · | $53M | |
| Retained Earnings | $142M | $138M | $136M | $130M | $128M | $123M | $121M | $119M | $116M | $112M | $110M | $107M | $104M | $101M | · | $97M | |
| AOCI | $-29M | $-29M | $-27M | $-29M | $-32M | $-34M | $-39M | $-31M | $-40M | $-39M | $-39M | $-51M | $-44M | $-38M | · | $-46M | |
| Stockholders' Equity | $161M | $158M | $157M | $149M | $144M | $139M | $131M | $136M | $124M | $121M | $121M | $107M | $112M | $115M | $105M | $104M | |
| Liabilities + Equity | $1.76B | $1.73B | $1.70B | $1.74B | $1.69B | $1.69B | $1.65B | $1.66B | $1.66B | $1.67B | $1.64B | $1.61B | $1.61B | $1.60B | · | $1.68B | |
| Shares Outstanding | 5,461,490 | 5,461,490 | 5,459,441 | 5,459,441 | 5,459,441 | 5,459,441 | 5,457,646 | 5,457,646 | 5,457,646 | 5,455,999 | 5,534,499 | 5,549,799 | 5,590,799 | 5,637,021,000 | · | 5,641,030 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $643.0K | $653.0K | $621.0K | $735.0K | $705.0K | $678.0K | $706.0K | $755.0K | $758.0K | $671.0K | $710.0K | $696.0K | $817.0K | $903.0K | $1M | $1M | |
| Other Non-cash | · | $-23.0K | · | · | · | $901.0K | · | · | · | $-950.0K | · | · | · | $4M | · | · | |
| Operating Cash Flow | $6M | $5M | $5M | $5M | $5M | $6M | $5M | $5M | $7M | $4M | $6M | $4M | $5M | $8M | $5M | $8M | |
| CapEx | $397.0K | $448.0K | $234.0K | $314.0K | $102.0K | $763.0K | $160.0K | $212.0K | $87.0K | $128.0K | $426.0K | $569.0K | $387.0K | $566.0K | $367.0K | $3M | |
| Investing Cash Flow | $-32M | $-31M | $-19M | $-28M | $-1M | $6M | $-14M | $-49M | $-4M | $-17M | $-14M | $-16M | $-7M | $-35M | $-32M | $-84M | |
| Stock Repurchased | · | · | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $2M | $324.0K | $840.0K | $833.0K | $0 | $116.0K | $0 | |
| Net Stock Activity | · | · | · | · | · | $0 | · | · | · | $-2M | · | · | · | $0 | · | · | |
| Dividends Paid | $1M | $2M | $1M | $1M | $1M | $2M | $1M | $1M | $1M | $2M | $1M | $1M | $1M | $2M | $1M | $1M | |
| Financing Cash Flow | $26M | $29M | $-45M | $38M | $-5M | $31M | $-5M | $-7M | $-18M | $29M | $14M | $-802.0K | $8M | $-32M | $-57M | $7M | |
| Taxes Paid | · | $0 | · | $2M | $2M | $352.0K | · | $1M | $2M | $236.0K | $986.0K | $2M | $1M | $0 | $2M | $750.0K | |
| Free Cash Flow | · | $5M | · | · | · | $5M | · | · | · | $4M | · | · | · | $7M | · | · | |
| Levered FCF | · | $84.7K | · | · | · | $512.0K | · | · | · | $-2M | · | · | · | $6M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 22.7% | 20.4% | · | 17.0% | 22.9% | 21.5% | · | 19.4% | 22.8% | 20.5% | · | 21.1% | 24.3% | 17.9% | · | 26.3% | |
| Pretax Margin | 29.1% | 26.2% | · | 22.1% | 29.6% | 27.9% | · | 26.2% | 29.3% | 24.6% | · | 27.1% | 31.2% | 22.7% | · | · | |
| EBITDA Margin | · | 3.0% | · | · | · | 3.4% | · | · | · | 3.5% | · | · | · | 5.1% | · | · | |
| ROA | 0.30% | 0.26% | · | 0.22% | 0.31% | 0.26% | · | 0.24% | 0.30% | 0.24% | · | 0.25% | 0.29% | 0.19% | · | 0.32% | |
| ROE | 3.4% | 3.0% | · | 2.6% | 3.9% | 3.4% | · | 3.2% | 4.1% | 3.4% | · | 3.9% | 4.3% | 2.6% | · | 4.3% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $29.54 | $28.95 | · | $27.38 | $26.38 | $25.37 | · | $24.97 | $22.78 | $22.19 | · | $19.34 | $20.10 | $0.02 | · | $18.42 | |
| Revenue / Share | $4.22 | $3.94 | · | $3.97 | $4.11 | $3.69 | · | $3.71 | $3.91 | $0.00 | · | $0.00 | $0.00 | $0.00 | · | $0.00 | |
| Cash Flow / Share | · | $0.92 | · | · | · | $1.08 | · | · | · | $0.00 | · | · | · | $0.00 | · | · | |
| Cash / Share | $11.15 | $11.22 | · | · | · | · | · | $13.41 | · | · | · | · | $15.93 | $0.01 | · | $27.56 | |
| Dividend / Share | $0.21 | $0.38 | $0.20 | $0.20 | $0.20 | $0.36 | $0.19 | $0.19 | $0.19 | $0.35 | $0.19 | $0.19 | $0.19 | $0.34 | $0.18 | $0.18 | |
| EPS (TTM) | $3.64 | $3.63 | · | $3.06 | $3.11 | $3.05 | · | $2.95 | $2.97 | $2.93 | · | $2.89 | $3.08 | $2.80 | · | $2.55 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $20M | $20M | · | $17M | $17M | $17M | · | $16M | $16M | $16M | · | $16M | $17M | $16M | · | $15M | |
| Market Cap | $235M | $214M | · | $167M | $158M | $149M | · | $139M | $159M | $152M | · | $122M | $102M | $179.09B | · | $140M | |
| P/E | 11.8 | 10.8 | · | 10.0 | 9.3 | 8.9 | · | 8.6 | 9.8 | 9.5 | · | 7.6 | 5.9 | 11.3 | · | 9.7 | |
| P/B | 1.5 | 1.4 | · | 1.1 | 1.1 | 1.1 | · | 1.0 | 1.3 | 1.3 | · | 1.1 | 0.9 | 1560.2 | · | 1.3 | |
| P / Tangible Book | 1.5 | 1.4 | · | 1.1 | 1.1 | 1.1 | · | 1.0 | 1.3 | 1.3 | · | 1.1 | 0.9 | 1560.2 | · | 1.3 | |
| P / Cash Flow | · | 42.5 | · | · | · | 25.1 | · | · | · | 41.4 | · | · | · | 22269.1 | · | · | |
| Dividend Yield | 2.3% | 2.5% | · | 3.1% | 3.3% | 3.4% | · | 3.6% | 3.2% | 3.4% | · | 4.2% | 5.0% | 0.00% | · | 3.5% | |
| Earnings Yield | 8.5% | 9.3% | · | 10.0% | 10.8% | 11.2% | · | 11.6% | 10.2% | 10.5% | · | 13.1% | 17.0% | 8.8% | · | 10.3% | |
| Payout Ratio | · | 47.2% | · | · | · | 45.3% | · | · | · | 48.9% | · | · | · | 60.7% | · | · | |
| Annual Payout | $5M | $5M | · | $5M | $5M | $5M | · | $5M | $5M | $5M | · | $5M | $5M | $5M | · | $5M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2023-09-30 | 2022-12-31 |
|---|---|---|---|---|---|
| Net Income | $20M | $16M | $16M | · | $16M |
| Diluted EPS | $3.62 | $2.98 | $2.77 | · | $2.85 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2023-09-30 | 2022-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $20M | $20M | $21M | · | $18M |
Institutional owners (13F) 87 filers · $116.7M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
87
Value held
$116.7M
New positions
14
Exited positions
9
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 14 (-3 vs prior Q) | 9 (+5 vs prior Q) | 40 (+20 vs prior Q) | 13 (-12 vs prior Q) | +145K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | $17,950,605 | 416,584 | 15.38% | Shares |
| BlackRock, Inc. | $13,423,913 | 311,532 | 11.50% | Shares |
| VANGUARD GROUP INC | $10,498,543 | 290,015 | 9.00% | Shares |
| GENDELL JEFFREY L | $9,383,408 | 217,763 | 8.04% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $8,585,122 | 199,237 | 7.36% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $8,017,592 | 186,063 | 6.87% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $5,065,627 | 117,517 | 4.34% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3,613,657 | 83,863 | 3.10% | Shares |
| AMERICAN CENTURY COMPANIES INC | $3,346,197 | 77,656 | 2.87% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $3,321,765 | 77,089 | 2.85% | Shares |
| STATE STREET CORP | $2,771,807 | 64,326 | 2.38% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $2,369,950 | 55,000 | 2.03% | Shares |
| CITADEL ADVISORS LLC | $1,800,903 | 41,794 | 1.54% | Shares |
| NORTHERN TRUST CORP | $1,700,030 | 39,453 | 1.46% | Shares |
| Empowered Funds, LLC | $1,637,420 | 38,000 | 1.40% | Shares |
| Pinnacle Holdings, LLC | $1,503,367 | 34,889 | 1.29% | Shares |
| AMG National Trust Bank | $1,432,829 | 33,252 | 1.23% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,413,654 | 32,807 | 1.21% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,364,790 | 31,673 | 1.17% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,316,055 | 30,542 | 1.13% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $1,254,954 | 29,124 | 1.08% | Shares |
| UBS Group AG | $1,247,585 | 28,953 | 1.07% | Shares |
| HoldCo Asset Management, LP | $1,089,488 | 25,284 | 0.93% | Shares |
| Nuveen, LLC | $1,060,272 | 24,606 | 0.91% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $984,563 | 22,849 | 0.84% | Shares |
| De Lisle Partners LLP | $924,754 | 21,461 | 0.79% | Shares |
| Trexquant Investment LP | $773,078 | 17,941 | 0.66% | Shares |
| GOLDMAN SACHS GROUP INC | $694,870 | 16,126 | 0.60% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $634,113 | 14,716 | 0.54% | Shares |
| MORGAN STANLEY | $576,202 | 13,372 | 0.49% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $555,689 | 12,896 | 0.48% | Shares |
| LPL Financial LLC | $543,055 | 12,603 | 0.47% | Shares |
| Bank of New York Mellon Corp | $457,119 | 10,608 | 0.39% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $440,465 | 10,222 | 0.38% | Shares |
| XTX Topco Ltd | $395,221 | 9,172 | 0.34% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $385,526 | 8,947 | 0.33% | Shares |
| Flywheel Private Wealth LLC | $335,671 | 7,790 | 0.29% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $314,371 | 7,296 | 0.27% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $299,648 | 6,954 | 0.26% | Shares |
| HSBC HOLDINGS PLC | $287,406 | 6,673 | 0.25% | Shares |
| FIRST TRUST ADVISORS LP | $250,525 | 5,814 | 0.21% | Shares |
| Jump Financial, LLC | $245,613 | 5,700 | 0.21% | Shares |
| Point72 Asset Management, L.P. | $243,329 | 5,647 | 0.21% | Shares |
| RHUMBLINE ADVISERS | $231,043 | 5,362 | 0.20% | Shares |
| GTS SECURITIES LLC | $219,113 | 5,085 | 0.19% | Shares |
| ALGERT GLOBAL LLC | $200,799 | 4,660 | 0.17% | Shares |
| DEUTSCHE BANK AG\ | $190,372 | 4,418 | 0.16% | Shares |
| FMR LLC | $189,251 | 4,392 | 0.16% | Shares |
| WELLS FARGO & COMPANY/MN | $163,452 | 3,793 | 0.14% | Shares |
| Russell Investments Group, Ltd. | $109,849 | 2,549 | 0.09% | Shares |
Activists & 5%+ owners 2 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Robert C. Abernethy ×3 filings | Dec. 28, 2022 | · | Initial filing | · | SEC |
| James S. Abernethy ×3 filings | Dec. 28, 2022 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 26 insiders · 9 officers · 16 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| William D Cable | President and CEO | Dec. 22, 2025 A | 25,398 | 0 | 0 | $0 |
| Lance A Sellers | President & CEO | April 27, 2023 P | 26,750 | 0 | 0 | $0 |
| Tony W Wolfe | President and CEO | Aug. 27, 2012 M | 5,511 | 0 | 0 | $0 |
| Jeffrey N. Hooper | EVP/Chief Financial Officer | Aug. 20, 2026 A | 7 | 0 | 0 | $0 |
| Carol S. Shinn | EVP, Chief Operations Officer | Aug. 20, 2026 A | 1,305 | 0 | 0 | $0 |
| Timothy Paul Turner | EVP, Chief Credit Officer | Aug. 20, 2026 A | 1,475 | 0 | 0 | $0 |
| Jody G. Street | EVP Chief Commercial Bkg Offcr | Feb. 3, 2025 A | 2,405 | 0 | 0 | $0 |
| Joseph A Lampron | EVP and CAO | May 15, 2020 P | 17,174 | 0 | 0 | $0 |
| Joseph F Beaman JR | Exec Vice Pres and CAO | May 17, 2013 S | 7,960 | 0 | 0 | $0 |
| James S Abernethy | Director | Sept. 2, 2026 S | 34,900 | 0 | 21 | $-481,381 |
| Robert C Abernethy | Director | Sept. 2, 2026 S | 101,116 | 0 | 3 | $-743,375 |
| Robert C. Abernethy JR | Director | Sept. 1, 2026 S | 57,566 | 0 | 4 | $-192,002 |
| Billy L Price JR DR | Director | Aug. 27, 2026 P | 15,244 | 1 | 0 | $17,200 |
| Ashton V. Abernethy | Director | May 26, 2026 S | 43,838 | 0 | 1 | $-40,147 |
| Benjamin I Zachary | Director | Dec. 22, 2025 A | 52,866 | 0 | 0 | $0 |
| John W Lineberger JR | Director | Dec. 20, 2024 A | 5,638 | 0 | 0 | $0 |
| William Gregory Terry | Director | Dec. 20, 2024 A | 19,430 | 0 | 0 | $0 |
| Douglas S Howard | Director | Dec. 20, 2024 A | 22,783 | 0 | 0 | $0 |
| Kim Boyd-Leaks | Director | Aug. 7, 2024 S | 1,022 | 0 | 0 | $0 |
| Dan Ray Timmerman SR | Director | Sept. 4, 2012 L | 73,865 | 0 | 0 | $0 |
| Gary E Matthews | Director | March 22, 2012 A | 22,332 | 0 | 0 | $0 |
| Larry E Robinson | Director | March 22, 2012 A | 41,594 | 0 | 0 | $0 |
| Fred L Sherrill JR | Director | March 16, 2005 J | 6,259 | 0 | 0 | $0 |
| Charles F Murray | Director | March 16, 2005 J | 1,815 | 0 | 0 | $0 |
| John H Elmore JR | Director | Aug. 26, 2003 S | 20,619 | 0 | 0 | $0 |
| Christine S Abernethy | 10% owner | Dec. 9, 2022 W | 47,994 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 20 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.05% | 15,664 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 26,279 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 3,925 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 521 SH | Oct. 1, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 127,944 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 2,180 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 18,372 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 15,898 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 3,977 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 810 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 700 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 8,606 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 559 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 417 NS | July 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.00% | 275 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 56,450 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 138,701 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 338 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 45,595 SH | Sept. 11, 2026 | Daily |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
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Source: SEC 10-Q filed Aug 4, 2026