Peoples Bancorp of North Carolina (PEBK) — Financial Flexibility Index
Peoples Bancorp of North Carolina (PEBK) has a Financial Flexibility Index of 0.00x as of March 2026. Free cash flow of $5.48 Million (operating CF $5.03 Million minus capex $448.00K) represents 0% of total liabilities ($1.58 Billion). Check PEBK strategic asset allocation to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Peoples Bancorp of North Carolina Financial Flexibility Index (1990–2025)
Historical Financial Flexibility Index trend for Peoples Bancorp of North Carolina across 36 annual periods. See Peoples Bancorp of North Carolina working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Peoples Bancorp of North Carolina (1990–2025)
Year-by-year free cash flow to debt coverage for Peoples Bancorp of North Carolina. For the full company profile including market capitalisation, see Peoples Bancorp of North Carolina market capitalisation.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $22.79 Million | $21.37 Million | $1.55 Billion | ▲ +6.1% |
| 2024 | 0.01x | $21.14 Million | $20.56 Million | $1.52 Billion | ▼ -14.9% |
| 2023 | 0.02x | $24.73 Million | $22.78 Million | $1.51 Billion | ▼ -9.1% |
| 2022 | 0.02x | $27.22 Million | $22.66 Million | $1.52 Billion | ▼ -2.8% |
| 2021 | 0.02x | $27.38 Million | $26.90 Million | $1.48 Billion | ▲ +102.2% |
| 2020 | 0.01x | $11.65 Million | $9.16 Million | $1.27 Billion | ▼ -41.8% |
| 2019 | 0.02x | $16.03 Million | $13.20 Million | $1.02 Billion | ▼ -19.5% |
| 2018 | 0.02x | $18.93 Million | $17.19 Million | $969.63 Million | ▼ -21.1% |
| 2017 | 0.02x | $24.15 Million | $18.59 Million | $976.19 Million | ▲ +75.2% |
| 2016 | 0.01x | $13.85 Million | $12.24 Million | $980.56 Million | ▼ -18.7% |
| 2015 | 0.02x | $16.22 Million | $13.86 Million | $933.62 Million | ▲ +224.8% |
| 2014 | 0.01x | $5.04 Million | $1.92 Million | $941.83 Million | ▼ -81.4% |
| 2013 | 0.03x | $27.36 Million | $24.92 Million | $950.97 Million | ▲ +32.1% |
| 2012 | 0.02x | $19.94 Million | $19.03 Million | $915.77 Million | ▼ -12.3% |
| 2011 | 0.02x | $23.95 Million | $22.35 Million | $964.04 Million | ▲ +25.4% |
| 2010 | 0.02x | $19.24 Million | $17.80 Million | $970.79 Million | ▲ +197.5% |
| 2009 | 0.01x | $6.32 Million | $4.71 Million | $949.27 Million | ▼ -54.1% |
| 2008 | 0.01x | $12.59 Million | $10.73 Million | $867.63 Million | ▼ -45.1% |
| 2007 | 0.03x | $22.14 Million | $14.53 Million | $837.16 Million | ▲ +21.7% |
| 2006 | 0.02x | $16.43 Million | $14.81 Million | $756.11 Million | ▼ -10.4% |
| 2005 | 0.02x | $16.39 Million | $15.02 Million | $675.93 Million | ▲ +234.6% |
| 2004 | 0.01x | $4.61 Million | $3.10 Million | $635.41 Million | ▼ -70.5% |
| 2003 | 0.02x | $15.35 Million | $13.44 Million | $625.48 Million | ▲ +24.0% |
| 2002 | 0.02x | $11.81 Million | $9.20 Million | $597.03 Million | ▲ +53.4% |
| 2001 | 0.01x | $7.22 Million | $3.47 Million | $560.10 Million | ▼ -58.3% |
| 2000 | 0.03x | $14.70 Million | $8.68 Million | $475.96 Million | ▼ -25.2% |
| 1999 | 0.04x | $16.29 Million | $13.56 Million | $394.44 Million | ▲ +2421.4% |
| 1998 | 0.00x | $600.00K | $-1.50 Million | $366.37 Million | ▼ -89.0% |
| 1997 | 0.01x | $4.50 Million | $2.10 Million | $302.00 Million | ▼ -18.6% |
| 1996 | 0.02x | $4.30 Million | $3.50 Million | $235.00 Million | ▼ -28.2% |
| 1995 | 0.03x | $5.10 Million | $3.70 Million | $200.00 Million | ▲ +13.7% |
| 1994 | 0.02x | $3.60 Million | $2.50 Million | $160.50 Million | ▲ +10.6% |
| 1993 | 0.02x | $3.10 Million | $1.60 Million | $152.90 Million | ▲ +13.9% |
| 1992 | 0.02x | $2.50 Million | $2.10 Million | $140.40 Million | ▲ +16.0% |
| 1991 | 0.02x | $2.00 Million | $1.80 Million | $130.30 Million | ▼ -28.4% |
| 1990 | 0.02x | $2.90 Million | $2.80 Million | $135.20 Million | — |