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 June 2026. Free cash flow of $6.83 Million (operating CF $6.44 Million minus capex $397.00K) represents 0% of total liabilities ($1.60 Billion). Check Peoples Bancorp of North Carolina (PEBK) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see cash flow conversion of Peoples Bancorp of North Carolina.
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. Explore cash flow to debt ratio of Peoples Bancorp of North Carolina to assess how comfortably operating cash covers total debt obligations.
| 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 | — |