Demonstrações financeiras detalhadas de Peoples Bancorp of North Carolina, Inc. (PEBK): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Peoples Bancorp of North Carolina, Inc. registou receitas de $114.6M no último exercício, com um CAGR de 5 anos de 12.2%. O lucro líquido atingiu $19.8M, com CAGR de 5 anos de 11.8%.
Margens dos últimos 12 meses: margem bruta 77.7%, margem operacional 22.6%, margem líquida 17.3%. O fluxo de caixa livre cresceu a CAGR de 24.5% em 5 anos.
Ao preço atual de $44.16, PEBK negocia a um P/L de 12.59 e um ROE de 12.62%. A capitalização de mercado é de $241M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $52.6M | $53.6M | $57.5M | $63.5M | $64.6M | $63.9M | $70.7M | $85.8M | $97.8M | $114.6M |
| Custo da Receita | $2.1M | $1.9M | $2.9M | $4.6M | $8.1M | $2.0M | $4.8M | $18.7M | $26.4M | $25.5M |
| Lucro Bruto | $50.6M | $51.7M | $54.6M | $58.9M | $56.5M | $61.8M | $65.9M | $67.1M | $71.4M | $89.1M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $21.3M | $22.0M | $23.2M | $24.4M | $24.6M | $25.5M | $27.3M | $28.1M | $29.8M | $37.2M |
| Despesas Operacionais | $38.8M | $37.5M | $38.6M | $41.7M | $42.6M | $42.9M | $45.6M | $47.1M | $50.5M | $63.2M |
| Lucro Operacional | $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 |
| Despesas com Juros | $3.3M | $2.4M | $2.1M | $3.8M | $3.8M | $3.2M | $3.3M | $17.1M | $26.7M | $24.6M |
| Lucro Antes de Impostos | $11.7M | $14.2M | $16.0M | $17.2M | $13.8M | $18.9M | $20.3M | $19.9M | $20.9M | $25.9M |
| Imposto | $2.6M | $3.9M | $2.6M | $3.1M | $2.5M | $3.8M | $4.2M | $4.4M | $4.6M | $6.0M |
| Lucro Líquido | $9.2M | $10.3M | $13.4M | $14.1M | $11.4M | $15.1M | $16.1M | $15.5M | $16.4M | $19.8M |
| LPA | $1.53 | $1.71 | $2.23 | $2.37 | $1.95 | $2.71 | $2.94 | $2.87 | $3.08 | $2.94 |
| LPA Diluído | $1.50 | $1.69 | $2.22 | $2.36 | $1.95 | $2.63 | $2.85 | $2.77 | $2.98 | $2.94 |
| Ações em Circulação (Diluídas) | $6.1M | $6.1M | $6.0M | $6.0M | $5.8M | $5.7M | $5.7M | $5.6M | $5.5M | $6.7M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $24.9M | $31.2M | $27.3M | $26.8M |
| Lucro Bruto | $18.1M | $24.6M | $21.0M | $20.4M |
| Lucro Operacional | $4.8M | $8.8M | $5.6M | $6.7M |
| EBITDA | $5.5M | $9.4M | $6.3M | $7.4M |
| Lucro Líquido | $3.7M | $6.6M | $4.4M | $5.2M |
| LPA | $0.70 | $0.54 | $0.83 | $0.99 |
| LPA Diluído | $0.67 | $0.54 | $0.80 | $0.95 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $70.1M | $57.3M | $43.4M | $49.1M | $161.6M | $277.5M | $71.6M | $82.4M | $59.3M | $58.1M |
| Investimentos de Curto Prazo | $249.9M | $229.3M | $194.6M | $195.7M | $245.2M | $406.5M | $445.4M | $391.9M | $233.8M | $216.9M |
| Contas a Receber | $11.7M | $13.9M | $18.3M | $16.4M | $18.2M | $19.2M | $37.9M | 0 | 0 | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $331.7M | $300.5M | $256.2M | $261.2M | $425.0M | $703.3M | $554.9M | $474.3M | $293.0M | $275.0M |
| Imobilizado | $16.5M | $19.9M | $18.4M | $22.2M | $22.0M | $20.7M | $23.3M | $21.4M | $18.9M | $17.6M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Totais | $1.09B | $1.09B | $1.09B | $1.15B | $1.42B | $1.62B | $1.62B | $1.64B | $1.65B | $1.70B |
| Contas a Pagar | $10.6M | $10.9M | $13.7M | $10.8M | $10.1M | $11.8M | $12.2M | 0 | 0 | 0 |
| Dívida de Curto Prazo | $36.4M | $37.8M | $58.1M | $24.2M | $26.2M | $37.1M | $47.7M | $86.7M | 0 | 0 |
| Passivos Circulantes | $939.9M | $955.6M | $949.0M | $1.00B | $1.26B | $1.46B | $1.50B | $1.48B | $1.48B | $1.51B |
| Dívida de Longo Prazo | $40.6M | $20.6M | $20.6M | $15.6M | $15.5M | $15.5M | $15.5M | $15.5M | $15.5M | $15.5M |
| Passivos Totais | $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 |
| Patrimônio Líquido | $107.4M | $116.0M | $123.6M | $134.1M | $139.9M | $142.4M | $105.2M | $121.0M | $130.6M | $157.1M |
| Dívida Total | $77.1M | $58.4M | $78.7M | $43.5M | $45.1M | $57.2M | $68.3M | $107.0M | $19.6M | $19.1M |
| Dívida Líquida | -$243.0M | -$228.2M | -$159.2M | -$201.3M | -$361.7M | -$626.8M | -$448.7M | -$367.3M | -$273.4M | -$255.9M |
| Capital de Giro | -$608.2M | -$655.1M | -$692.8M | -$740.3M | -$832.3M | -$758.4M | -$940.2M | -$1.00B | -$1.19B | -$1.23B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $117.0M | $58.1M | $31.9M | $33.4M |
| Ativos Totais | $1.74B | $1.70B | $1.73B | $1.76B |
| Passivos Totais | $1.59B | $1.55B | $1.58B | $1.60B |
| Patrimônio Líquido | $149.5M | $157.1M | $158.1M | $161.3M |
| Dívida Total | $19.3M | $19.1M | $18.9M | $18.7M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $9.2M | $10.3M | $13.4M | $14.1M | $11.4M | $15.1M | $16.1M | $15.5M | $16.4M | $19.8M |
| Depreciação e Amortização | $5.4M | $5.0M | $4.6M | $4.0M | $4.2M | $5.6M | $6.0M | $3.1M | $2.9M | $2.7M |
| Compensação em Ações | $932000 | $592000 | $85000 | $270000 | $27000 | $181000 | $249000 | $187000 | $212000 | $190000 |
| Variação Capital de Giro | -$831000 | -$4.0M | -$1.3M | -$2.4M | -$2.8M | $2.0M | -$4.2M | $979000 | $650000 | $488000 |
| Fluxo de Caixa Operacional | $12.2M | $18.6M | $17.2M | $13.2M | $9.2M | $26.9M | $22.7M | $22.8M | $20.6M | $21.4M |
| CapEx | -$1.6M | -$5.6M | -$1.7M | -$2.8M | -$2.5M | -$484000 | -$4.6M | -$1.9M | -$587000 | -$1.4M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$2.0M | 0 | 0 | -$2.5M | -$3.0M | -$3.6M | -$710000 | -$2.0M | -$2.0M | 0 |
| Dividendos Pagos | -$2.1M | -$2.6M | -$3.1M | -$3.9M | -$4.4M | -$3.8M | -$4.9M | -$5.1M | -$5.0M | -$5.2M |
| Fluxo de Caixa Livre | $10.6M | $13.0M | $15.4M | $10.4M | $6.7M | $26.4M | $18.1M | $20.8M | $20.0M | $20.0M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $4.7M | $5.3M | $5.0M | $6.4M |
| CapEx | -$314000 | -$234000 | -$448000 | -$397000 |
| Fluxo de Caixa Livre | $4.4M | $5.1M | $4.6M | $6.0M |
| Dividendos Pagos | -$1.1M | -$1.1M | -$2.1M | -$1.1M |
| Compensação em Ações | $53000 | $111000 | -$59000 | $193000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +1.8% | +7.4% | +10.4% | +1.7% | -1.1% | +10.7% | +21.3% | +14.0% | +17.2% |
| Crescimento Lucro Líquido (anual) | | +11.9% | +30.3% | +5.1% | -19.3% | +33.2% | +6.5% | -3.6% | +5.2% | +21.3% |
| Crescimento LPA (anual) | | +11.8% | +30.4% | +6.3% | -17.7% | +39.0% | +8.5% | -2.4% | +7.3% | -4.5% |
| Variação de Ações (anual) | | -0.9% | -0.8% | -0.9% | -2.3% | -1.3% | -1.5% | -0.9% | -2.2% | +23.0% |
| Crescimento FCF (anual) | | +22.7% | +18.5% | -32.9% | -35.6% | +296.0% | -31.7% | +15.4% | -4.1% | -0.1% |
| Margem Bruta | 96.1% | 96.5% | 94.9% | 92.7% | 87.5% | 96.8% | 93.2% | 78.2% | 73.0% | 77.7% |
| Margem Operacional | 22.3% | 26.5% | 27.8% | 27.1% | 21.4% | 29.6% | 28.7% | 23.2% | 21.4% | 22.6% |
| Margem EBITDA | 32.6% | 35.9% | 35.8% | 33.3% | 27.9% | 38.3% | 37.2% | 26.9% | 24.4% | 24.9% |
| Margem Líquida | 17.4% | 19.2% | 23.3% | 22.2% | 17.6% | 23.7% | 22.8% | 18.1% | 16.7% | 17.3% |
| Margem FCF | 20.2% | 24.3% | 26.9% | 16.3% | 10.3% | 41.4% | 25.5% | 24.3% | 20.4% | 17.4% |
| Taxa Efetiva de Imposto | 21.8% | 27.8% | 16.4% | 18.2% | 18.0% | 20.1% | 20.6% | 22.0% | 21.9% | 23.3% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.74 | $2.15 | $2.57 | $1.74 | $1.15 | $4.59 | $3.19 | $3.71 | $3.64 | $2.96 |
| Dividendo por Ação | $0.34 | $0.43 | $0.52 | $0.66 | $0.75 | $0.66 | $0.87 | $0.91 | $0.92 | $0.78 |
| Ações em Circulação (Básicas) | $6.0M | $6.0M | $6.0M | $5.9M | $5.8M | $5.6M | $5.5M | $5.4M | $5.3M | $6.7M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 12.62% |
| Retorno sobre capital investido | 10.28% |
| Retorno sobre ativos | 1.16% |
| Margem bruta | 77.71% |
| Margem operacional | 22.56% |
| Margem líquida | 17.30% |
Saúde financeira
| Dívida / Patrimônio | 0.12 |
| Liquidez corrente | 0.18 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.55 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 14.90 | 17.95 | 10.97 | 13.86 | 11.81 | 10.18 | 11.07 | 10.78 | 10.15 | 12.31 |
| P/VP | 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 |
| Margem Bruta | 96.1% | 96.5% | 94.9% | 92.7% | 87.5% | 96.8% | 93.2% | 78.2% | 73.0% | 77.7% |
| Margem Operacional | 22.3% | 26.5% | 27.8% | 27.1% | 21.4% | 29.6% | 28.7% | 23.2% | 21.4% | 22.6% |
| Margem Líquida | 17.4% | 19.2% | 23.3% | 22.2% | 17.6% | 23.7% | 22.8% | 18.1% | 16.7% | 17.3% |