Peoples Bancorp Of North Carolina (PEBK) Operating Margin (2022 - 2025)

Peoples Bancorp Of North Carolina (PEBK) has 4 years of Operating Margin data on file, last reported at 43.9% in Q4 2025.

• Quarterly Operating Margin fell 10383.0% year-over-year to 43.9% in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 4.13% (down 41038.0% YoY) and the FY2025 annual result came in at 6.03%, down 40848.0% from the prior year.
• Operating Margin eased to 43.9% in Q4 2025 per PEBK's latest filing, from 67.96% in the prior quarter.
• Across five years, Operating Margin topped out at 925.03% in Q2 2025 and bottomed at 192.13% in Q4 2023.
• The 4-year median for Operating Margin is 67.48% (2025), against an average of 102.75%.
• The widest annual swing landed in 2023, when Operating Margin sank 26561 bps; it then surged 86095 bps in 2025.
• Tracing PEBK's Operating Margin over 4 years: stood at 73.48% in 2022, then plunged by 361 bps to 192.13% in 2023, then surged by 131 bps to 59.92% in 2024, then plunged by 173 bps to 43.9% in 2025.
• Per Business Quant, the three latest PEBK Operating Margin figures stand at 43.9% (Q4 2025), 67.96% (Q3 2025), and 925.03% (Q2 2025).

Peer Comparison