Peoples Bancorp of North Carolina (PEBK) — Cash Flow Quality Index
Peoples Bancorp of North Carolina (PEBK) has a Cash Flow Quality Index of 1.23x as of June 2026. Operating cash flow of $6.44 Million exceeds net income of $5.23 Million, indicating high earnings quality where cash backs reported profits. Explore Peoples Bancorp of North Carolina cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Peoples Bancorp of North Carolina (PEBK) cash flow conversion.
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.
| 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 | — |