PEOPLES BANCORP OF NC(NASDAQ:PEBK) stock Fundamental Analysis

Fundamental Rating

Overall PEBK gets a fundamental rating of 3 out of 10. We evaluated PEBK against 395 industry peers in the Banks industry. While PEBK seems to be doing ok healthwise, there are quite some concerns on its profitability. PEBK has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

PEBK had positive earnings in the past year.

PEBK had a positive operating cash flow in the past year.

In the past 5 years PEBK has always been profitable.

Each year in the past 5 years PEBK had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.99%, PEBK is in the better half of the industry, outperforming 64.56% of the companies in the same industry.

The Return On Equity of PEBK (12.52%) is better than 85.57% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.99%
ROE	12.52%
ROIC	N/A

ROA(3y)0.98%

ROA(5y)0.93%

ROE(3y)13.56%

ROE(5y)11.89%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

PEBK's Profit Margin of 19.99% is on the low side compared to the rest of the industry. PEBK is outperformed by 63.04% of its industry peers.

In the last couple of years the Profit Margin of PEBK has declined.

PEBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	19.99%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.08%

PM growth 5Y-2.01%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

PEBK does not have a ROIC to compare to the WACC, probably because it is not profitable.

PEBK has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, PEBK has less shares outstanding

PEBK has a better debt/assets ratio than last year.

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 Debt to FCF ratio of 0.77. This is in the better half of the industry: PEBK outperforms 77.22% of its industry peers.

PEBK has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.

PEBK's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. PEBK outperforms 67.09% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	0.77
Altman-Z	N/A

ROIC/WACCN/A

WACC16.59%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

PEBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.19%.

Measured over the past 5 years, PEBK shows a small growth in Earnings Per Share. The EPS has been growing by 4.79% on average per year.

Looking at the last year, PEBK shows a small growth in Revenue. The Revenue has grown by 4.94% in the last year.

Measured over the past years, PEBK shows a small growth in Revenue. The Revenue has been growing by 5.17% on average per year.

EPS 1Y (TTM)5.19%

EPS 3Y4.28%

EPS 5Y4.79%

EPS Q2Q%10.07%

Revenue 1Y (TTM)4.94%

Revenue growth 3Y5.89%

Revenue growth 5Y5.17%

Sales Q2Q%5.86%

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.

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Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.74 indicates a reasonable valuation of PEBK.

82.28% of the companies in the same industry are more expensive than PEBK, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 24.85. PEBK is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.74
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PEBK is valued cheaply inside the industry as 81.01% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	8.12
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)2.03

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

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5. Dividend

5.1 Amount

PEBK has a Yearly Dividend Yield of 2.80%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.42, PEBK has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.40, PEBK has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.8%

5.2 History

On average, the dividend of PEBK grows each year by 6.76%, which is quite nice.

PEBK has been paying a dividend for at least 10 years, so it has a reliable track record.

The dividend of PEBK decreased in the last 3 years.

Dividend Growth(5Y)6.76%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

PEBK pays out 30.86% of its income as dividend. This is a sustainable payout ratio.

The dividend of PEBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP30.86%

EPS Next 2YN/A

EPS Next 3YN/A

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PEOPLES BANCORP OF NC

NASDAQ:PEBK (5/14/2025, 8:00:00 PM)

29.71

-0.28 (-0.93%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-21 2025-04-21

Earnings (Next)07-21 2025-07-21

Inst Owners41.23%

Inst Owner Change0.27%

Ins Owners18.81%

Ins Owner Change-0.15%

Market Cap162.22M

Analysts0

Price TargetN/A

Short Float %1.09%

Short Ratio7.16

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.8%

Yearly Dividend0.92

Dividend Growth(5Y)6.76%

DP30.86%

Div Incr Years2

Div Non Decr Years2

Ex-Date03-03 2025-03-03 (0.2)

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 Rank	Sector Rank
PE	9.74
Fwd PE	N/A
P/S	1.98
P/FCF	8.12
P/OCF	7.89
P/B	1.24
P/tB	1.24
EV/EBITDA	N/A

EPS(TTM)3.05

EY10.27%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)3.66

FCFY12.31%

OCF(TTM)3.77

OCFY12.67%

SpS14.98

BVpS23.91

TBVpS23.91

PEG (NY)N/A

PEG (5Y)2.03

Profitability

		Industry Rank	Sector Rank
ROA	0.99%
ROE	12.52%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	19.99%
GM	N/A
FCFM	24.42%

ROA(3y)0.98%

ROA(5y)0.93%

ROE(3y)13.56%

ROE(5y)11.89%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.08%

PM growth 5Y-2.01%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	0.77
Debt/EBITDA	N/A
Cap/Depr	20.31%
Cap/Sales	0.72%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	122.12%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC16.59%

ROIC/WACCN/A

Cap/Depr(3y)52.75%

Cap/Depr(5y)45.29%

Cap/Sales(3y)3.03%

Cap/Sales(5y)2.7%

Profit Quality(3y)122.8%

Profit Quality(5y)120.35%

High Growth Momentum

Growth

EPS 1Y (TTM)5.19%

EPS 3Y4.28%

EPS 5Y4.79%

EPS Q2Q%10.07%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)4.94%

Revenue growth 3Y5.89%

Revenue growth 5Y5.17%

Sales Q2Q%5.86%

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-4.13%

FCF growth 3Y-8.91%

FCF growth 5Y14.03%

OCF growth 1Y-9.75%

OCF growth 3Y-8.57%

OCF growth 5Y9.27%

PEOPLES BANCORP OF NC (PEBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens