Peoples Bancorp of North Carolina (PEBK) — Cash Flow Quality Index
Peoples Bancorp of North Carolina (PEBK) has a Cash Flow Quality Index of 1.14x as of March 2026. Operating cash flow of $5.03 Million exceeds net income of $4.40 Million, indicating high earnings quality where cash backs reported profits. Explore Peoples Bancorp of North Carolina (PEBK) investment intensity to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Peoples Bancorp of North Carolina Cash Flow Quality Index (1990–2025)
Historical Cash Flow Quality Index for Peoples Bancorp of North Carolina across 36 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check tangible net worth ratio of Peoples Bancorp of North Carolina to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Peoples Bancorp of North Carolina (1990–2025)
Year-by-year earnings quality comparison for Peoples Bancorp of North Carolina. For live market cap and the full company financial profile, see PEBK market cap.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.08x | $21.37 Million | $19.83 Million | ▼ -14.3% |
| 2024 | 1.26x | $20.56 Million | $16.35 Million | ▼ -14.2% |
| 2023 | 1.47x | $22.78 Million | $15.55 Million | ▲ +4.3% |
| 2022 | 1.41x | $22.66 Million | $16.12 Million | ▼ -20.9% |
| 2021 | 1.78x | $26.90 Million | $15.13 Million | ▲ +120.3% |
| 2020 | 0.81x | $9.16 Million | $11.36 Million | ▼ -14.0% |
| 2019 | 0.94x | $13.20 Million | $14.07 Million | ▼ -27.0% |
| 2018 | 1.28x | $17.19 Million | $13.38 Million | ▼ -29.1% |
| 2017 | 1.81x | $18.59 Million | $10.27 Million | ▲ +35.8% |
| 2016 | 1.33x | $12.24 Million | $9.18 Million | ▼ -7.3% |
| 2015 | 1.44x | $13.86 Million | $9.63 Million | ▲ +604.8% |
| 2014 | 0.20x | $1.92 Million | $9.39 Million | ▼ -94.5% |
| 2013 | 3.72x | $24.92 Million | $6.69 Million | ▲ +13.4% |
| 2012 | 3.28x | $19.03 Million | $5.79 Million | ▼ -24.2% |
| 2011 | 4.33x | $22.35 Million | $5.16 Million | ▼ -55.2% |
| 2010 | 9.67x | $17.80 Million | $1.84 Million | ▲ +498.5% |
| 2009 | 1.62x | $4.71 Million | $2.92 Million | ▼ -3.8% |
| 2008 | 1.68x | $10.73 Million | $6.39 Million | ▲ +10.9% |
| 2007 | 1.51x | $14.53 Million | $9.59 Million | ▼ -6.2% |
| 2006 | 1.61x | $14.81 Million | $9.17 Million | ▼ -31.9% |
| 2005 | 2.37x | $15.02 Million | $6.33 Million | ▲ +238.7% |
| 2004 | 0.70x | $3.10 Million | $4.43 Million | ▼ -89.6% |
| 2003 | 6.71x | $13.44 Million | $2.00 Million | ▲ +150.4% |
| 2002 | 2.68x | $9.20 Million | $3.44 Million | ▲ +253.2% |
| 2001 | 0.76x | $3.47 Million | $4.58 Million | ▼ -53.0% |
| 2000 | 1.61x | $8.68 Million | $5.38 Million | ▼ -45.9% |
| 1999 | 2.99x | $13.56 Million | $4.54 Million | ▲ +896.1% |
| 1998 | -0.38x | $-1.50 Million | $4.00 Million | ▼ -142.9% |
| 1997 | 0.88x | $2.10 Million | $2.40 Million | ▼ -50.0% |
| 1996 | 1.75x | $3.50 Million | $2.00 Million | ▼ -19.6% |
| 1995 | 2.18x | $3.70 Million | $1.70 Million | ▼ -12.9% |
| 1994 | 2.50x | $2.50 Million | $1.00 Million | ▲ +165.6% |
| 1993 | 0.94x | $1.60 Million | $1.70 Million | ▼ -28.3% |
| 1992 | 1.31x | $2.10 Million | $1.60 Million | ▲ +2.1% |
| 1991 | 1.29x | $1.80 Million | $1.40 Million | ▼ -35.7% |
| 1990 | 2.00x | $2.80 Million | $1.40 Million | — |