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PEBK Stock Chart & Stats
$32.62
$0.01(0.03%)
At close: 4:00 PM EST
$32.62
$0.01(0.03%)
Day’s Range― - ―
52-Week Range$26.81 - $45.78
Previous CloseN/A
Volume5.61K
Average Volume (3M)11.36K
Market Cap
$229.33M
Enterprise Value$217.40M
Total Cash (Recent Filing)$31.87M
Total Debt (Recent Filing)$18.91M
Price to Earnings (P/E)12.6
Beta0.77
Next Earnings
Jul 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.58%
Share Statistics
EPS (TTM)3.30
Shares Outstanding5,461,490
10 Day Avg. Volume14,555
30 Day Avg. Volume11,359
Financial Highlights & Ratios
PEG Ratio-2.39
Price to Book (P/B)1.57
Price to Sales (P/S)2.15
P/FCF Ratio12.33
Enterprise Value/Market Cap0.95
Enterprise Value/Revenue2.01
Enterprise Value/Gross Profit2.62
Enterprise Value/Ebitda7.61
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Durable ProfitabilityPeoples Bancorp exhibits stable, mid-to-high-teens net margins and consistent earnings generation. This durable profitability supports reinvestment, dividend coverage and capital accumulation, giving the bank long-term capacity to fund organic growth and absorb cyclical shocks.
Improved Balance Sheet LeverageMaterial improvement in debt-to-equity and a larger equity base reduces funding and solvency risk, increasing regulatory headroom and financial flexibility. A stronger capital posture enhances resilience to credit stress and supports measured loan growth and dividend policy over months to years.
Consistent Cash GenerationPositive and closely correlated operating and free cash flows indicate high earnings quality and reliable internal funding for lending, branch operations and shareholder distributions. Persistent cash conversion supports strategic flexibility without dependence on volatile external funding.
Bears Say
Margin CompressionEroding net interest margins relative to prior peaks reduce incremental earnings power and constrain return-on-assets over the medium term. For a regional bank, sustained margin pressure can limit capital generation and slow balance-sheet expansion even if core loan demand persists.
Uneven Free Cash Flow MomentumVolatility in free cash flow and a recent TTM decline weaken predictability of internal funding for loans, dividends and reserves. Inconsistent cash conversion complicates multi-quarter planning and may force reliance on funding markets or balance-sheet adjustments during stress periods.
Historical Leverage VolatilityPast swings in leverage signal the bank can be exposed to funding or capital cycle volatility. If elevated again during adverse credit or deposit conditions, leverage reacceleration could amplify losses, restrict lending, and necessitate equity issuance or asset sales.
Peoples Bancorp Of North Carolina News
PEBK FAQ
What was Peoples Bancorp Of North Carolina’s price range in the past 12 months?
Peoples Bancorp Of North Carolina lowest stock price was $26.81 and its highest was $45.78 in the past 12 months.
What is Peoples Bancorp Of North Carolina’s market cap?
Peoples Bancorp Of North Carolina’s market cap is $229.33M.
When is Peoples Bancorp Of North Carolina’s upcoming earnings report date?
Peoples Bancorp Of North Carolina’s upcoming earnings report date is Jul 27, 2026 which is in 15 days.
How were Peoples Bancorp Of North Carolina’s earnings last quarter?
Peoples Bancorp Of North Carolina released its earnings results on Apr 20, 2026. The company reported $0.804 earnings per share for the quarter, beating the consensus estimate of N/A by $0.804.
Is Peoples Bancorp Of North Carolina overvalued?
According to Wall Street analysts Peoples Bancorp Of North Carolina’s price is currently Overvalued.
Does Peoples Bancorp Of North Carolina pay dividends?
Peoples Bancorp Of North Carolina pays a Quarterly dividend of $0.21 which represents an annual dividend yield of 2.58%. See more information on Peoples Bancorp Of North Carolina dividends here
What is Peoples Bancorp Of North Carolina’s EPS estimate?
Peoples Bancorp Of North Carolina’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Peoples Bancorp Of North Carolina have?
Peoples Bancorp Of North Carolina has 5,461,490 shares outstanding.
What happened to Peoples Bancorp Of North Carolina’s price movement after its last earnings report?
Peoples Bancorp Of North Carolina reported an EPS of $0.804 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.57%.
Which hedge fund is a major shareholder of Peoples Bancorp Of North Carolina?
Currently, no hedge funds are holding shares in PEBK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Peoples Bancorp Of North Carolina Stock Smart Score
Underperform
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10
Blogger Sentiment
Bullish
PEBK Sentiment 100%
Sector Average 67%
Sector Average 67%
Insider Transactions
Sold Shares
Worth $206.6K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
22.18%
12-Months-Change
Fundamentals
Return on Equity
13.07%
Trailing 12-Months
Asset Growth
2.45%
Trailing 12-Months
Company Description
Peoples Bancorp Of North Carolina
Peoples Bancorp of North Carolina, Inc. functions as the holding company for Peoples Bank, delivering a broad spectrum of financial products and services to individuals and small to medium-sized enterprises. Its deposit offerings encompass checking, savings, money market, and demand accounts, along with certificates of deposit (CDs) and time deposits. The bank also handles borrowed funds. For lending, Peoples Bank provides various credit options, including commercial real estate and general commercial loans, construction and land development financing, and agricultural loans. For personal needs, it extends single-family residential, standard residential mortgage, and Individual Taxpayer Identification Number (ITIN) mortgage loans. Beyond traditional banking, the company furnishes investment advisory services and a range of non-deposit investment instruments, such as stocks, bonds, mutual funds, and tax-deferred annuities, supported by brokerage services. It also handles real estate appraisal and brokerage. Furthermore, Peoples Bancorp operates an appraisal clearing-house for other community banks and manages, acquires, and sells real property and other assets obtained through debt collection. An insurance agency is also part of its service portfolio. As of year-end 2021, the company maintained a substantial presence across North Carolina, with 17 full-service banking branches in cities including Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Mooresville, Raleigh, and Cary. Additionally, it operates loan production offices in Charlotte, Denver, Salisbury, and Winston-Salem, North Carolina. Established in 1912, Peoples Bancorp of North Carolina, Inc. maintains its headquarters in Newton, North Carolina.
Technical Analysis
Ownership Overview
12.77% Insiders
10.10% Mutual Funds
13.00% Other Institutional Investors
52.27% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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