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 153.0% in Q4 2025.

• Operating Margin for Q4 2025 came in at 153.0%, up 1887.0% year-over-year; the trailing twelve-month figure through Dec 2025 was 7.75% (up 237.0% YoY), and the FY2025 annual result was 6.03%, up 65.0% from the prior year.
• Operating Margin eased to 153.0% in Q4 2025 per PEBK's latest filing, from 67.96% in the prior quarter.
• Over five years, Operating Margin peaked at 2772.17% in Q1 2025 and troughed at 192.13% in Q4 2023.
• A 4-year average of 210.15% and a median of 66.66% in 2022 frame the typical range for Operating Margin.
• The sharpest annual moves came in 2023 and 2025: Operating Margin tumbled 26561 bps in 2023, then surged 270338 bps in 2025.
• A 4-year view of Operating Margin shows it stood at 73.48% in 2022, then slumped by 361 bps to 192.13% in 2023, then gained by 11 bps to 171.87% in 2024, then climbed by 11 bps to 153.0% in 2025.
• Business Quant data shows PEBK's Operating Margin at 153.0% in Q4 2025, 67.96% in Q3 2025, and 65.49% in Q2 2025.