EPS: As of FY2025 Q2, the actual value is USD 0.95.EBIT: As of FY2025 Q2, the actual value is USD 6.663 M.<h3>Banking Operations</h3><ul><li>Interest Income: $20.712 million for the three months ended June 30, 2025, compared to $20.062 million for the same period in 2024.</li><li>Interest Expense: $5.881 million for the three months ended June 30, 2025, compared to $6.371 million for the same period in 2024.</li><li>Net Interest Income: $14.831 million for the three months ended June 30, 2025, compared to $13.691 million for the same period in 2024.</li><li>Provision for Credit Losses: Recovery of $213,000 for the three months ended June 30, 2025, compared to a recovery of $468,000 for the same period in 2024.</li><li>Noninterest Income: $3.720 million for the three months ended June 30, 2025, compared to $4.340 million for the same period in 2024.</li><li>Noninterest Expense: $3.138 million for the three months ended June 30, 2025, compared to $3.374 million for the same period in 2024.</li><li>Net Income: $5.177 million for the three months ended June 30, 2025, compared to $5.056 million for the same period in 2024.</li></ul><h3>CBRES</h3><ul><li>Appraisal Management Fee Income: $3.973 million for the three months ended June 30, 2025, compared to $3.181 million for the same period in 2024.</li><li>Appraisal Management Fee Expense: $3.156 million for the three months ended June 30, 2025, compared to $2.523 million for the same period in 2024.</li><li>Net Income: $315,000 for the three months ended June 30, 2025, compared to $199,000 for the same period in 2024.</li></ul><h3>Future Outlook</h3><ul><li>The company expects growth to be achieved in local markets and through expansion opportunities in contiguous or nearby markets. While willing to consider growth by acquisition, the company does not consider acquisition necessary for continued ability to provide a reasonable return to shareholders.</li></ul>

Peoples Bancorp of North Carolina | 10-Q: FY2025 Q2 EPS: USD 0.95