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 PEBK cash flow conversion to assess how effectively this company generates cash.
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 PEBK cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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 stock market capitalisation.
| 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 | — |