Peoples Bancorp of North Carolina (Peoples Bancorp of North Carolina) Net Margin % : 19.97% (As of Dec. 2023)

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Peoples Bancorp of North Carolina Net Margin % Definition

Net margin is calculated as Net Income divided by its Revenue. Peoples Bancorp of North Carolina's Net Income for the three months ended in Dec. 2023 was $3.44 Mil. Peoples Bancorp of North Carolina's Revenue for the three months ended in Dec. 2023 was $17.23 Mil. Therefore, Peoples Bancorp of North Carolina's net margin for the quarter that ended in Dec. 2023 was 19.97%.

The historical rank and industry rank for Peoples Bancorp of North Carolina's Net Margin % or its related term are showing as below:

PEBK' s Net Margin % Range Over the Past 10 Years
Min: 18.59 Med: 21.67 Max: 24.94
Current: 22.65

PEBK's Net Margin % is ranked worse than
59.47% of 1458 companies
in the Banks industry
Industry Median: 25.49 vs PEBK: 22.65

Peoples Bancorp of North Carolina Net Margin % Historical Data

The historical data trend for Peoples Bancorp of North Carolina's Net Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Peoples Bancorp of North Carolina Net Margin % Chart

Peoples Bancorp of North Carolina Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Net Margin %

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23.64

18.69

24.94

23.92

22.65

Peoples Bancorp of North Carolina Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Net Margin %	Get a 7-Day Free Trial															21.91	19.79	26.95	23.53	19.97

Competitive Comparison of Peoples Bancorp of North Carolina's Net Margin %

For the Banks - Regional subindustry, Peoples Bancorp of North Carolina's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Peoples Bancorp of North Carolina's Net Margin % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Peoples Bancorp of North Carolina's Net Margin % distribution charts can be found below:

* The bar in red indicates where Peoples Bancorp of North Carolina's Net Margin % falls into.

Peoples Bancorp of North Carolina Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Peoples Bancorp of North Carolina's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (A: Dec. 2023 )	/	Revenue (A: Dec. 2023 )
	=	15.546	/	68.635
	=	22.65 %

Peoples Bancorp of North Carolina's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (Q: Dec. 2023 )	/	Revenue (Q: Dec. 2023 )
	=	3.44	/	17.227
	=	19.97 %

Peoples Bancorp of North Carolina (NAS:PEBK) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Peoples Bancorp of North Carolina Net Margin % Related Terms

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Peoples Bancorp of North Carolina (Peoples Bancorp of North Carolina) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Peoples Bancorp of North Carolina Inc (NAS:PEBK) » Definitions » Net Margin %

Comparable Companies

Traded in Other Exchanges

N/A

Address

518 West C Street, Newton, NC, USA, 28658

Website

https://www.peoplesbanknc.com

Peoples Bancorp of North Carolina Inc is a bank holding company. It is a state-chartered commercial bank serving Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Mooresville, Raleigh, and Cary, North Carolina. It has a diversified loan portfolio with no foreign loans and few agricultural loans. The company's main source of income is dividends declared and paid by the Bank on its capital stock.

Executives

James S Abernethy	director
Douglas S Howard	director	518 WEST C. STREET, NEWTON NC 28658
Price Billy L Jr Dr	director
Benjamin I Zachary	director	P O BOX 467, NEWTON NC 286580467
Lance A Sellers	officer: EVP and Chief Credit Officer
William D Cable	officer: EVP and COO	P O BOX 467, NEWTON NC 286580467
Timothy Paul Turner	officer: EVP, Chief Credit Officer	PO BOX 467, NEWTON NC 28658
James Owen Perry	officer: EVP Chief Retail Banking Offcr	PO BOX 467, NEWTON NC 28658
Kim Boyd-leaks	director, officer: Chief Banking Support Officer	PO BOX 467, NEWTON NC 28658
Christine S Abernethy	10 percent owner	518 WEST C STREET, NEWTON NC 28658
Robert C Abernethy	director, officer: Chairman	P O BOX 467, NEWTON NC 286580467
A Joseph Lampron	officer: EVP & CFO	P O BOX 467, NEWTON NC 286580467
Jeffrey N. Hooper	officer: EVP/Chief Financial Officer	518 WEST C ST, NEWTON NC 28658
Lineberger John W Jr	director	2200 WEST LOOP STE 900, C/O IEC CO, HOUSTON TX 77027
William Gregory Terry	director	218 SOUTH MAIN STREET, NEWTON NC 28658