PEOPLES BANCORP OF NC (PEBK) Stock Fundamental Analysis

NASDAQ:PEBK • US7105771072

39.51 USD
+0.2 (+0.51%)
Last: Feb 26, 2026, 03:12 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, PEBK scores 3 out of 10 in our fundamental rating. PEBK was compared to 379 industry peers in the Banks industry. PEBK scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PEBK is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

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.
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 5M 10M 15M 20M 25M

1.2 Ratios

  • PEBK has a Return On Assets (0.96%) which is in line with its industry peers.
  • Looking at the Return On Equity, with a value of 11.21%, PEBK is in the better half of the industry, outperforming 75.20% of the companies in the same industry.
Industry RankSector 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
PEBK Yearly ROA, ROE, ROICPEBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • With a Profit Margin value of 19.51%, PEBK is not doing good in the industry: 69.13% of the companies in the same industry are doing better.
  • 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 RankSector 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
PEBK Yearly Profit, Operating, Gross MarginsPEBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • PEBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for PEBK has been reduced compared to 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.
PEBK Yearly Shares OutstandingPEBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 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.
  • With a decent Debt to FCF ratio value of 0.77, PEBK is doing good in the industry, outperforming 73.09% of the companies in the same industry.
  • PEBK has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
  • PEBK has a better Debt to Equity ratio (0.10) than 66.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.77
Altman-Z N/A
ROIC/WACCN/A
WACC14.83%
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 50M 100M

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 20M 40M 60M 80M 100M

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

2

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 4.21% over the past year.
  • The Earnings Per Share has been growing slightly by 4.79% on average over the past years.
  • Looking at the last year, PEBK shows a small growth in Revenue. The Revenue has grown by 6.92% in the last 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)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.
PEBK Yearly Revenue VS EstimatesPEBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.91 indicates a correct valuation of PEBK.
  • Compared to the rest of the industry, the Price/Earnings ratio of PEBK is on the same level as its industry peers.
  • PEBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.05.
Industry RankSector Rank
PE 12.91
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

  • Based on the Price/Free Cash Flow ratio, PEBK is valued a bit cheaper than 65.44% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.77
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)2.69
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • PEBK has a Yearly Dividend Yield of 2.04%.
  • Compared to an average industry Dividend Yield of 2.74, PEBK is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.80, PEBK has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.04%

5.2 History

  • The dividend of PEBK is nicely growing with an annual growth rate of 6.76%!
  • 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
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

  • 30.99% of the earnings are spent on dividend by PEBK. This is a low number and sustainable payout ratio.
  • PEBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP30.99%
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 5M 10M 15M 20M 25M
PEBK Dividend Payout.PEBK Dividend Payout, showing the Payout Ratio.PEBK Dividend Payout.PayoutRetained Earnings

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PEOPLES BANCORP OF NC

NASDAQ:PEBK (2/26/2026, 3:12:58 PM)

39.51

+0.2 (+0.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners42.23%
Inst Owner Change4.57%
Ins Owners22.73%
Ins Owner Change-0.29%
Market Cap215.72M
Revenue(TTM)85.88M
Net Income(TTM)16.76M
Analysts0
Price TargetN/A
Short Float %0.97%
Short Ratio2.47
Dividend
Industry RankSector Rank
Dividend Yield 2.04%
Yearly Dividend0.92
Dividend Growth(5Y)6.76%
DP30.99%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-04
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 12.91
Fwd PE N/A
P/S 2.51
P/FCF 10.77
P/OCF 10.1
P/B 1.44
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)3.06
EY7.74%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.67
FCFY9.28%
OCF(TTM)3.91
OCFY9.9%
SpS15.73
BVpS27.37
TBVpS27.37
PEG (NY)N/A
PEG (5Y)2.69
Graham Number43.41
Profitability
Industry RankSector 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 RankSector 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
WACC14.83%
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.


What is the valuation status for PEBK stock?

ChartMill assigns a valuation rating of 2 / 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.


Can you provide the financial health for PEBK stock?

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


How sustainable is the dividend of PEOPLES BANCORP OF NC (PEBK) stock?

The dividend rating of PEOPLES BANCORP OF NC (PEBK) is 5 / 10 and the dividend payout ratio is 30.99%.