PEOPLES BANCORP OF NC (PEBK) Fundamental Analysis & Valuation

NASDAQ:PEBK • US7105771072

Current stock price

39.66 USD
+0.15 (+0.38%)
Last:

This PEBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. PEBK Profitability Analysis

1.1 Basic Checks

  • In the past year PEBK was profitable.
  • PEBK had a positive operating cash flow in the past year.
  • PEBK had positive earnings in each of the past 5 years.
  • In the past 5 years PEBK always reported a positive cash flow from operatings.
PEBK Yearly Net Income VS EBIT VS OCF VS FCFPEBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

1.2 Ratios

  • PEBK has a Return On Assets of 1.16%. This is in the better half of the industry: PEBK outperforms 70.26% of its industry peers.
  • PEBK has a Return On Equity of 12.62%. This is amongst the best in the industry. PEBK outperforms 84.21% of its industry peers.
Industry RankSector Rank
ROA 1.16%
ROE 12.62%
ROIC N/A
ROA(3y)1.04%
ROA(5y)1.01%
ROE(3y)12.66%
ROE(5y)12.79%
ROIC(3y)N/A
ROIC(5y)N/A
PEBK Yearly ROA, ROE, ROICPEBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a Profit Margin value of 22.03%, PEBK is not doing good in the industry: 66.32% of the companies in the same industry are doing better.
  • PEBK's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for PEBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 22.03%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.07%
PM growth 5Y5.39%
GM growth 3YN/A
GM growth 5YN/A
PEBK Yearly Profit, Operating, Gross MarginsPEBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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4

2. PEBK Health Analysis

2.1 Basic Checks

  • PEBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, PEBK has about the same amount of shares outstanding.
  • Compared to 5 years ago, PEBK has less shares outstanding
  • The debt/assets ratio for PEBK has been reduced compared to a year ago.
PEBK Yearly Shares OutstandingPEBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M 4M 5M
PEBK Yearly Total Debt VS Total AssetsPEBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • PEBK has a debt to FCF ratio of 0.77. This is a very positive value and a sign of high solvency as it would only need 0.77 years to pay back of all of its debts.
  • PEBK has a better Debt to FCF ratio (0.77) than 73.68% of its industry peers.
  • A Debt/Equity ratio of 0.10 indicates that PEBK is not too dependend on debt financing.
  • PEBK's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. PEBK outperforms 68.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.77
Altman-Z N/A
ROIC/WACCN/A
WACC16.62%
PEBK Yearly LT Debt VS Equity VS FCFPEBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PEBK Yearly Current Assets VS Current LiabilitesPEBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. PEBK Growth Analysis

3.1 Past

  • PEBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.53%, which is quite impressive.
  • The Earnings Per Share has been growing by 13.20% on average over the past years. This is quite good.
  • PEBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.03%.
  • PEBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.07% yearly.
EPS 1Y (TTM)21.53%
EPS 3Y8.34%
EPS 5Y13.2%
EPS Q2Q%86.55%
Revenue 1Y (TTM)10.03%
Revenue growth 3Y4.97%
Revenue growth 5Y6.07%
Sales Q2Q%19.74%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
PEBK Yearly Revenue VS EstimatesPEBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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3

4. PEBK Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.96, which indicates a very decent valuation of PEBK.
  • 65.79% of the companies in the same industry are more expensive than PEBK, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.17, PEBK is valued rather cheaply.
Industry RankSector Rank
PE 10.96
Fwd PE N/A
PEBK Price Earnings VS Forward Price EarningsPEBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • PEBK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PEBK is cheaper than 60.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.85
EV/EBITDA N/A
PEBK Per share dataPEBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.83
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. PEBK Dividend Analysis

5.1 Amount

  • PEBK has a Yearly Dividend Yield of 2.18%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.73, PEBK is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.89, PEBK has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.18%

5.2 History

  • The dividend of PEBK has a limited annual growth rate of 5.08%.
  • PEBK has been paying a dividend for at least 10 years, so it has a reliable track record.
  • PEBK has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)5.08%
Div Incr Years4
Div Non Decr Years4
PEBK Yearly Dividends per sharePEBK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 26.46% of the earnings are spent on dividend by PEBK. This is a low number and sustainable payout ratio.
  • PEBK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP26.46%
EPS Next 2YN/A
EPS Next 3YN/A
PEBK Yearly Income VS Free CF VS DividendPEBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
PEBK Dividend Payout.PEBK Dividend Payout, showing the Payout Ratio.PEBK Dividend Payout.PayoutRetained Earnings

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PEBK Fundamentals: All Metrics, Ratios and Statistics

PEOPLES BANCORP OF NC

NASDAQ:PEBK (4/2/2026, 8:00:01 PM)

39.66

+0.15 (+0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners43.46%
Inst Owner Change0%
Ins Owners22.96%
Ins Owner Change-0.47%
Market Cap216.54M
Revenue(TTM)90.00M
Net Income(TTM)19.83M
Analysts0
Price TargetN/A
Short Float %1.33%
Short Ratio2.34
Dividend
Industry RankSector Rank
Dividend Yield 2.18%
Yearly Dividend0.96
Dividend Growth(5Y)5.08%
DP26.46%
Div Incr Years4
Div Non Decr Years4
Ex-Date03-04
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.96
Fwd PE N/A
P/S 2.41
P/FCF 10.85
P/OCF 10.13
P/B 1.38
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)3.62
EY9.13%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.66
FCFY9.22%
OCF(TTM)3.91
OCFY9.87%
SpS16.48
BVpS28.78
TBVpS28.78
PEG (NY)N/A
PEG (5Y)0.83
Graham Number48.41
Profitability
Industry RankSector Rank
ROA 1.16%
ROE 12.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.03%
GM N/A
FCFM 22.18%
ROA(3y)1.04%
ROA(5y)1.01%
ROE(3y)12.66%
ROE(5y)12.79%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.07%
PM growth 5Y5.39%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.77
Debt/EBITDA N/A
Cap/Depr 51.59%
Cap/Sales 1.57%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 100.66%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC16.62%
ROIC/WACCN/A
Cap/Depr(3y)44.74%
Cap/Depr(5y)43.69%
Cap/Sales(3y)1.6%
Cap/Sales(5y)2.27%
Profit Quality(3y)118.93%
Profit Quality(5y)128.74%
High Growth Momentum
Growth
EPS 1Y (TTM)21.53%
EPS 3Y8.34%
EPS 5Y13.2%
EPS Q2Q%86.55%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.03%
Revenue growth 3Y4.97%
Revenue growth 5Y6.07%
Sales Q2Q%19.74%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-0.06%
FCF growth 3Y3.31%
FCF growth 5Y24.51%
OCF growth 1Y3.96%
OCF growth 3Y-1.93%
OCF growth 5Y18.47%

PEOPLES BANCORP OF NC / PEBK Fundamental Analysis FAQ

What is the ChartMill fundamental rating of PEOPLES BANCORP OF NC (PEBK) stock?

ChartMill assigns a fundamental rating of 4 / 10 to PEBK.


What is the valuation status for PEBK stock?

ChartMill assigns a valuation rating of 3 / 10 to PEOPLES BANCORP OF NC (PEBK). This can be considered as Overvalued.


What is the profitability of PEBK stock?

PEOPLES BANCORP OF NC (PEBK) has a profitability rating of 4 / 10.


How financially healthy is PEOPLES BANCORP OF NC?

The financial health rating of PEOPLES BANCORP OF NC (PEBK) is 4 / 10.