Estados financieros detallados de Peoples Bancorp of North Carolina, Inc. (PEBK): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Peoples Bancorp of North Carolina, Inc. registró ingresos de $114.6M en el último ejercicio fiscal, con un CAGR de 5 años del 12.2%. El beneficio neto alcanzó $19.8M, con un CAGR a 5 años del 11.8%.
Márgenes de los últimos 12 meses: margen bruto 77.7%, margen operativo 22.6%, margen neto 17.3%. El flujo de caja libre creció a un CAGR del 24.5% en 5 años.
Al precio actual de $44.16, PEBK cotiza a un P/E de 12.59 y un ROE del 12.62%. La capitalización bursátil es de $241M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $52.6M | $53.6M | $57.5M | $63.5M | $64.6M | $63.9M | $70.7M | $85.8M | $97.8M | $114.6M |
| Coste de Ventas | $2.1M | $1.9M | $2.9M | $4.6M | $8.1M | $2.0M | $4.8M | $18.7M | $26.4M | $25.5M |
| Beneficio Bruto | $50.6M | $51.7M | $54.6M | $58.9M | $56.5M | $61.8M | $65.9M | $67.1M | $71.4M | $89.1M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $21.3M | $22.0M | $23.2M | $24.4M | $24.6M | $25.5M | $27.3M | $28.1M | $29.8M | $37.2M |
| Gastos Operativos | $38.8M | $37.5M | $38.6M | $41.7M | $42.6M | $42.9M | $45.6M | $47.1M | $50.5M | $63.2M |
| Beneficio Operativo | $11.7M | $14.2M | $16.0M | $17.2M | $13.8M | $18.9M | $20.3M | $19.9M | $20.9M | $25.9M |
| EBITDA | $17.2M | $19.2M | $20.6M | $21.2M | $18.0M | $24.5M | $26.3M | $23.0M | $23.8M | $28.6M |
| Gastos por Intereses | $3.3M | $2.4M | $2.1M | $3.8M | $3.8M | $3.2M | $3.3M | $17.1M | $26.7M | $24.6M |
| Beneficio Antes de Impuestos | $11.7M | $14.2M | $16.0M | $17.2M | $13.8M | $18.9M | $20.3M | $19.9M | $20.9M | $25.9M |
| Impuestos | $2.6M | $3.9M | $2.6M | $3.1M | $2.5M | $3.8M | $4.2M | $4.4M | $4.6M | $6.0M |
| Beneficio Neto | $9.2M | $10.3M | $13.4M | $14.1M | $11.4M | $15.1M | $16.1M | $15.5M | $16.4M | $19.8M |
| BPA | $1.53 | $1.71 | $2.23 | $2.37 | $1.95 | $2.71 | $2.94 | $2.87 | $3.08 | $2.94 |
| BPA Diluido | $1.50 | $1.69 | $2.22 | $2.36 | $1.95 | $2.63 | $2.85 | $2.77 | $2.98 | $2.94 |
| Acciones en Circulación (Diluidas) | $6.1M | $6.1M | $6.0M | $6.0M | $5.8M | $5.7M | $5.7M | $5.6M | $5.5M | $6.7M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $24.9M | $31.2M | $27.3M | $26.8M |
| Beneficio Bruto | $18.1M | $24.6M | $21.0M | $20.4M |
| Beneficio Operativo | $4.8M | $8.8M | $5.6M | $6.7M |
| EBITDA | $5.5M | $9.4M | $6.3M | $7.4M |
| Beneficio Neto | $3.7M | $6.6M | $4.4M | $5.2M |
| BPA | $0.70 | $0.54 | $0.83 | $0.99 |
| BPA Diluido | $0.67 | $0.54 | $0.80 | $0.95 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $70.1M | $57.3M | $43.4M | $49.1M | $161.6M | $277.5M | $71.6M | $82.4M | $59.3M | $58.1M |
| Inversiones a Corto | $249.9M | $229.3M | $194.6M | $195.7M | $245.2M | $406.5M | $445.4M | $391.9M | $233.8M | $216.9M |
| Cuentas por Cobrar | $11.7M | $13.9M | $18.3M | $16.4M | $18.2M | $19.2M | $37.9M | 0 | 0 | 0 |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $331.7M | $300.5M | $256.2M | $261.2M | $425.0M | $703.3M | $554.9M | $474.3M | $293.0M | $275.0M |
| Inmovilizado Material | $16.5M | $19.9M | $18.4M | $22.2M | $22.0M | $20.7M | $23.3M | $21.4M | $18.9M | $17.6M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Totales | $1.09B | $1.09B | $1.09B | $1.15B | $1.42B | $1.62B | $1.62B | $1.64B | $1.65B | $1.70B |
| Cuentas por Pagar | $10.6M | $10.9M | $13.7M | $10.8M | $10.1M | $11.8M | $12.2M | 0 | 0 | 0 |
| Deuda a Corto | $36.4M | $37.8M | $58.1M | $24.2M | $26.2M | $37.1M | $47.7M | $86.7M | 0 | 0 |
| Pasivos Corrientes | $939.9M | $955.6M | $949.0M | $1.00B | $1.26B | $1.46B | $1.50B | $1.48B | $1.48B | $1.51B |
| Deuda a Largo | $40.6M | $20.6M | $20.6M | $15.6M | $15.5M | $15.5M | $15.5M | $15.5M | $15.5M | $15.5M |
| Pasivos Totales | $980.6M | $976.2M | $969.6M | $1.02B | $1.28B | $1.48B | $1.52B | $1.51B | $1.52B | $1.55B |
| Reservas | $60.3M | $50.3M | $60.5M | $70.7M | $77.6M | $89.0M | $100.2M | $109.8M | $121.1M | $135.6M |
| Patrimonio Neto | $107.4M | $116.0M | $123.6M | $134.1M | $139.9M | $142.4M | $105.2M | $121.0M | $130.6M | $157.1M |
| Deuda Total | $77.1M | $58.4M | $78.7M | $43.5M | $45.1M | $57.2M | $68.3M | $107.0M | $19.6M | $19.1M |
| Deuda Neta | -$243.0M | -$228.2M | -$159.2M | -$201.3M | -$361.7M | -$626.8M | -$448.7M | -$367.3M | -$273.4M | -$255.9M |
| Capital Circulante | -$608.2M | -$655.1M | -$692.8M | -$740.3M | -$832.3M | -$758.4M | -$940.2M | -$1.00B | -$1.19B | -$1.23B |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $117.0M | $58.1M | $31.9M | $33.4M |
| Activos Totales | $1.74B | $1.70B | $1.73B | $1.76B |
| Pasivos Totales | $1.59B | $1.55B | $1.58B | $1.60B |
| Patrimonio Neto | $149.5M | $157.1M | $158.1M | $161.3M |
| Deuda Total | $19.3M | $19.1M | $18.9M | $18.7M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $9.2M | $10.3M | $13.4M | $14.1M | $11.4M | $15.1M | $16.1M | $15.5M | $16.4M | $19.8M |
| Amortizaciones | $5.4M | $5.0M | $4.6M | $4.0M | $4.2M | $5.6M | $6.0M | $3.1M | $2.9M | $2.7M |
| Compensación en Acciones | $932000 | $592000 | $85000 | $270000 | $27000 | $181000 | $249000 | $187000 | $212000 | $190000 |
| Cambio en Capital Circulante | -$831000 | -$4.0M | -$1.3M | -$2.4M | -$2.8M | $2.0M | -$4.2M | $979000 | $650000 | $488000 |
| Flujo de Caja Operativo | $12.2M | $18.6M | $17.2M | $13.2M | $9.2M | $26.9M | $22.7M | $22.8M | $20.6M | $21.4M |
| Inversiones (CapEx) | -$1.6M | -$5.6M | -$1.7M | -$2.8M | -$2.5M | -$484000 | -$4.6M | -$1.9M | -$587000 | -$1.4M |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | -$2.0M | 0 | 0 | -$2.5M | -$3.0M | -$3.6M | -$710000 | -$2.0M | -$2.0M | 0 |
| Dividendos Pagados | -$2.1M | -$2.6M | -$3.1M | -$3.9M | -$4.4M | -$3.8M | -$4.9M | -$5.1M | -$5.0M | -$5.2M |
| Flujo de Caja Libre | $10.6M | $13.0M | $15.4M | $10.4M | $6.7M | $26.4M | $18.1M | $20.8M | $20.0M | $20.0M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $4.7M | $5.3M | $5.0M | $6.4M |
| Inversiones (CapEx) | -$314000 | -$234000 | -$448000 | -$397000 |
| Flujo de Caja Libre | $4.4M | $5.1M | $4.6M | $6.0M |
| Dividendos Pagados | -$1.1M | -$1.1M | -$2.1M | -$1.1M |
| Compensación en Acciones | $53000 | $111000 | -$59000 | $193000 |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +1.8% | +7.4% | +10.4% | +1.7% | -1.1% | +10.7% | +21.3% | +14.0% | +17.2% |
| Crecimiento Beneficio Neto (anual) | | +11.9% | +30.3% | +5.1% | -19.3% | +33.2% | +6.5% | -3.6% | +5.2% | +21.3% |
| Crecimiento BPA (anual) | | +11.8% | +30.4% | +6.3% | -17.7% | +39.0% | +8.5% | -2.4% | +7.3% | -4.5% |
| Cambio en Acciones (anual) | | -0.9% | -0.8% | -0.9% | -2.3% | -1.3% | -1.5% | -0.9% | -2.2% | +23.0% |
| Crecimiento FCF (anual) | | +22.7% | +18.5% | -32.9% | -35.6% | +296.0% | -31.7% | +15.4% | -4.1% | -0.1% |
| Margen Bruto | 96.1% | 96.5% | 94.9% | 92.7% | 87.5% | 96.8% | 93.2% | 78.2% | 73.0% | 77.7% |
| Margen Operativo | 22.3% | 26.5% | 27.8% | 27.1% | 21.4% | 29.6% | 28.7% | 23.2% | 21.4% | 22.6% |
| Margen EBITDA | 32.6% | 35.9% | 35.8% | 33.3% | 27.9% | 38.3% | 37.2% | 26.9% | 24.4% | 24.9% |
| Margen Neto | 17.4% | 19.2% | 23.3% | 22.2% | 17.6% | 23.7% | 22.8% | 18.1% | 16.7% | 17.3% |
| Margen FCF | 20.2% | 24.3% | 26.9% | 16.3% | 10.3% | 41.4% | 25.5% | 24.3% | 20.4% | 17.4% |
| Tasa Impositiva Efectiva | 21.8% | 27.8% | 16.4% | 18.2% | 18.0% | 20.1% | 20.6% | 22.0% | 21.9% | 23.3% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $1.74 | $2.15 | $2.57 | $1.74 | $1.15 | $4.59 | $3.19 | $3.71 | $3.64 | $2.96 |
| Dividendo por Acción | $0.34 | $0.43 | $0.52 | $0.66 | $0.75 | $0.66 | $0.87 | $0.91 | $0.92 | $0.78 |
| Acciones en Circulación (Básicas) | $6.0M | $6.0M | $6.0M | $5.9M | $5.8M | $5.6M | $5.5M | $5.4M | $5.3M | $6.7M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 12.62% |
| Rentabilidad sobre capital invertido | 10.28% |
| Rentabilidad sobre activos | 1.16% |
| Margen bruto | 77.71% |
| Margen operativo | 22.56% |
| Margen neto | 17.30% |
Salud financiera
| Deuda / Patrimonio | 0.12 |
| Ratio corriente | 0.18 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.55 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 14.90 | 17.95 | 10.97 | 13.86 | 11.81 | 10.18 | 11.07 | 10.78 | 10.15 | 12.31 |
| P/VC | 1.27 | 1.59 | 1.19 | 1.45 | 0.96 | 1.08 | 1.70 | 1.38 | 1.27 | 1.55 |
| P/V | 2.60 | 3.44 | 2.55 | 3.07 | 2.08 | 2.41 | 2.52 | 1.95 | 1.69 | 2.13 |
| Margen Bruto | 96.1% | 96.5% | 94.9% | 92.7% | 87.5% | 96.8% | 93.2% | 78.2% | 73.0% | 77.7% |
| Margen Operativo | 22.3% | 26.5% | 27.8% | 27.1% | 21.4% | 29.6% | 28.7% | 23.2% | 21.4% | 22.6% |
| Margen Neto | 17.4% | 19.2% | 23.3% | 22.2% | 17.6% | 23.7% | 22.8% | 18.1% | 16.7% | 17.3% |