33.71 USD
+0.05 (+0.15%)
Overall PEBK gets a fundamental rating of 3 out of 10. We evaluated PEBK against 387 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 expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year PEBK was profitable.
In the past year PEBK had a positive cash flow from operations.
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
PEBK has a Return On Assets (0.96%) which is comparable to the rest of the industry.
PEBK has a better Return On Equity (11.21%) than 75.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.96% | ||
| ROE | 11.21% | ||
| 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 has a worse Profit Margin (19.51%) than 67.44% of its industry peers.
PEBK's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for PEBK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.51% | ||
| 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
2. Health
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 less shares outstanding
PEBK has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, PEBK has an improved debt to assets ratio.
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 72.87% of its industry peers.
PEBK has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of PEBK (0.10) is better than 66.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.77 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.68%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.21% over the past year.
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 6.92% in the last year.
The Revenue has been growing slightly by 5.17% on average over the past years.
EPS 1Y (TTM)4.21%
EPS 3Y4.28%
EPS 5Y4.79%
EPS Q2Q%-6.55%
Revenue 1Y (TTM)6.92%
Revenue growth 3Y5.89%
Revenue growth 5Y5.17%
Sales Q2Q%7.78%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.02, the valuation of PEBK can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of PEBK indicates a somewhat cheap valuation: PEBK is cheaper than 65.37% of the companies listed in the same industry.
PEBK is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.02 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PEBK indicates a somewhat cheap valuation: PEBK is cheaper than 71.83% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.3
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
PEBK has a Yearly Dividend Yield of 2.35%.
PEBK's Dividend Yield is comparable with the industry average which is at 3.11.
PEBK's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.35% |
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.
PEBK has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)6.76%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
PEBK pays out 30.99% 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.
DP30.99%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:PEBK (12/8/2025, 4:30:01 PM)
33.71
+0.05 (+0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.21%
Inst Owner Change-0.82%
Ins Owners22.7%
Ins Owner Change-0.66%
Market Cap184.06M
Revenue(TTM)85.88M
Net Income(TTM)16.76M
Analysts0
Price TargetN/A
Short Float %1.07%
Short Ratio6.02
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.35% |
Yearly Dividend0.92
Dividend Growth(5Y)6.76%
DP30.99%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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 | 11.02 | ||
| Fwd PE | N/A | ||
| P/S | 2.14 | ||
| P/FCF | 9.19 | ||
| P/OCF | 8.62 | ||
| P/B | 1.23 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.06
EY9.08%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.67
FCFY10.88%
OCF(TTM)3.91
OCFY11.61%
SpS15.73
BVpS27.37
TBVpS27.37
PEG (NY)N/A
PEG (5Y)2.3
Graham Number43.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.96% | ||
| ROE | 11.21% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.51% | ||
| GM | N/A | ||
| FCFM | 23.32% |
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
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 3Y-3.08%
PM growth 5Y-2.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.77 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 47.42% | ||
| Cap/Sales | 1.56% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 119.51% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC15.68%
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)4.21%
EPS 3Y4.28%
EPS 5Y4.79%
EPS Q2Q%-6.55%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.92%
Revenue growth 3Y5.89%
Revenue growth 5Y5.17%
Sales Q2Q%7.78%
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-2.51%
FCF growth 3Y-8.91%
FCF growth 5Y14.03%
OCF growth 1Y-4.71%
OCF growth 3Y-8.57%
OCF growth 5Y9.27%
PEOPLES BANCORP OF NC / PEBK FAQ
What is the ChartMill fundamental rating of PEOPLES BANCORP OF NC (PEBK) stock?
ChartMill assigns a fundamental rating of 3 / 10 to PEBK.
Can you provide the valuation status for PEOPLES BANCORP OF NC?
ChartMill assigns a valuation rating of 3 / 10 to PEOPLES BANCORP OF NC (PEBK). This can be considered as Overvalued.
Can you provide the profitability details for PEOPLES BANCORP OF NC?
PEOPLES BANCORP OF NC (PEBK) has a profitability rating of 3 / 10.
What are the PE and PB ratios of PEOPLES BANCORP OF NC (PEBK) stock?
The Price/Earnings (PE) ratio for PEOPLES BANCORP OF NC (PEBK) is 11.02 and the Price/Book (PB) ratio is 1.23.