PEOPLES BANCORP OF NC (PEBK) Stock Fundamental Analysis
USA - NASDAQ:PEBK - US7105771072 - Common Stock
29.65 USD
+0.05 (+0.17%)
We assign a fundamental rating of 3 out of 10 to PEBK. PEBK was compared to 390 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.
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.
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.
1.2 Ratios
With a decent Return On Assets value of 1.00%, PEBK is doing good in the industry, outperforming 64.36% of the companies in the same industry.
PEBK's Return On Equity of 11.82% is amongst the best of the industry. PEBK outperforms 80.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 11.82% | ||
| 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 20.20% is on the low side compared to the rest of the industry. PEBK is outperformed by 64.10% 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) | 20.2% | ||
| 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.
PEBK has less shares outstanding than it did 1 year ago.
The number of shares outstanding for PEBK has been reduced compared to 5 years ago.
Compared to 1 year ago, PEBK has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of PEBK is 0.76, which is an excellent value as it means it would take PEBK, only 0.76 years of fcf income to pay off all of its debts.
PEBK's Debt to FCF ratio of 0.76 is fine compared to the rest of the industry. PEBK outperforms 77.69% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that PEBK is not too dependend on debt financing.
The Debt to Equity ratio of PEBK (0.11) is better than 67.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.76 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.35%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PEBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.54%.
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.
The Revenue has been growing slightly by 5.63% in the past year.
PEBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.17% yearly.
EPS 1Y (TTM)5.54%
EPS 3Y4.28%
EPS 5Y4.79%
EPS Q2Q%5.68%
Revenue 1Y (TTM)5.63%
Revenue growth 3Y5.89%
Revenue growth 5Y5.17%
Sales Q2Q%6.45%
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
With a Price/Earnings ratio of 9.53, the valuation of PEBK can be described as very reasonable.
Based on the Price/Earnings ratio, PEBK is valued a bit cheaper than the industry average as 78.97% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 25.83. PEBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.53 | ||
| Fwd PE | N/A |
4.2 Price Multiples
PEBK's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PEBK is cheaper than 82.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.94 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.99
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
PEBK has a Yearly Dividend Yield of 2.72%. Purely for dividend investing, there may be better candidates out there.
PEBK's Dividend Yield is comparable with the industry average which is at 3.42.
PEBK's Dividend Yield is comparable with the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
5.2 History
On average, the dividend of PEBK grows each year by 6.76%, which is quite nice.
PEBK has paid a dividend for at least 10 years, which is 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 30.19% of its income as dividend. This is a sustainable payout ratio.
PEBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP30.19%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:PEBK (11/7/2025, 4:06:20 PM)
29.65
+0.05 (+0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.52%
Inst Owner Change-0.04%
Ins Owners22.72%
Ins Owner Change-0.58%
Market Cap161.89M
Revenue(TTM)84.28M
Net Income(TTM)17.02M
Analysts0
Price TargetN/A
Short Float %0.96%
Short Ratio6.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
Yearly Dividend0.92
Dividend Growth(5Y)6.76%
DP30.19%
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 | 9.53 | ||
| Fwd PE | N/A | ||
| P/S | 1.92 | ||
| P/FCF | 7.94 | ||
| P/OCF | 7.49 | ||
| P/B | 1.12 | ||
| P/tB | 1.12 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.11
EY10.49%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.73
FCFY12.59%
OCF(TTM)3.96
OCFY13.36%
SpS15.44
BVpS26.37
TBVpS26.37
PEG (NY)N/A
PEG (5Y)1.99
Graham Number42.96
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 11.82% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.2% | ||
| GM | N/A | ||
| FCFM | 24.19% |
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-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.76 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 43.5% | ||
| Cap/Sales | 1.47% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 119.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC16.35%
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)5.54%
EPS 3Y4.28%
EPS 5Y4.79%
EPS Q2Q%5.68%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.63%
Revenue growth 3Y5.89%
Revenue growth 5Y5.17%
Sales Q2Q%6.45%
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-8.37%
FCF growth 3Y-8.91%
FCF growth 5Y14.03%
OCF growth 1Y-18.92%
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 4 / 10 to PEOPLES BANCORP OF NC (PEBK). This can be considered as Fairly Valued.
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 9.53 and the Price/Book (PB) ratio is 1.12.