Peoples Bancorp Of North Carolina (PEBK)
NASDAQ:PEBK
Want to see PEBK full AI Analyst Report?
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$25.36 - $42.63
Previous CloseN/A
Volume5.61K
Average Volume (3M)11.36K
Market Cap
$227.20M
Enterprise Value$221.61M
Total Cash (Recent Filing)$405.08M
Total Debt (Recent Filing)$19.08M
Price to Earnings (P/E)12.4
Beta0.79
Next Earnings
Apr 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.58%
Share Statistics
EPS (TTM)1.22
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 Cap0.98
Enterprise Value/Revenue2.11
Enterprise Value/Gross Profit2.79
Enterprise Value/Ebitda7.75
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
De-risked Capital StructureA materially lower debt-to-equity (~0.10 in 2025) and stable ~12–13% ROE indicate a de-risked capital structure that improves resilience to funding stress and interest-rate shocks. This durable positioning supports prudent credit capacity, dividend flexibility, and steadier capital planning over months.
Sustained Revenue GrowthConsistent multi-year revenue expansion, including a ~16% rise in 2025, signals persistent demand for the bank’s lending and deposit services. Durable top-line momentum underpins loan growth potential and fee income stability, supporting medium-term earnings and strategic reinvestment capacity.
Earnings Backed By CashFree cash flow roughly tracking net income (~0.8–1.0x) suggests earnings are supported by underlying cash generation, enhancing credibility of reported profits. Over the medium term this improves ability to fund dividends, satisfy regulatory capital needs, and finance organic loan growth without excessive external funding.
Bears Say
Cash Flow VolatilityInconsistent free cash flow and year-to-year swings in operating cash flow reduce predictability of internally generated funds. This volatility can constrain durable capacity for lending and dividends, necessitate precautionary liquidity buffers, or force reliance on deposit or wholesale funding during weaker quarters.
Historical Leverage VolatilityA history of material leverage swings in 2022–2023 indicates management and balance-sheet sensitivity to business cycles or strategic adjustments. Such variability raises concern about execution consistency and the potential for renewed capital actions under stress, affecting medium-term stability and planning.
Margin ModerationProfit margins have declined from earlier peak levels and now sit in the high-teens. Persistent margin compression—driven by funding costs or competitive pressures—would structurally reduce earnings power, limiting the bank’s ability to absorb higher credit costs or invest for growth over the next several quarters.
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 $25.36 and its highest was $42.63 in the past 12 months.
What is Peoples Bancorp Of North Carolina’s market cap?
Peoples Bancorp Of North Carolina’s market cap is $227.20M.
When is Peoples Bancorp Of North Carolina’s upcoming earnings report date?
Peoples Bancorp Of North Carolina’s upcoming earnings report date is Apr 27, 2026 which is in 9 days.
How were Peoples Bancorp Of North Carolina’s earnings last quarter?
Peoples Bancorp Of North Carolina released its earnings results on Jan 26, 2026. The company reported $1.215 earnings per share for the quarter, beating the consensus estimate of N/A by $1.215.
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 $0.2 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 $1.215 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.13%.
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
Neutral
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
PEBK Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth $121.9K 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
13.46%
Trailing 12-Months
Asset Growth
3.05%
Trailing 12-Months
Company Description
Peoples Bancorp Of North Carolina
Peoples Bancorp of North Carolina (PEBK) is a financial holding company headquartered in Newton, North Carolina, primarily engaged in providing a broad range of banking and financial services through its wholly-owned subsidiary, Peoples Bank. The company serves various sectors, including retail banking, commercial banking, and investment services, focusing on the needs of individuals, businesses, and communities. Core products and services include checking and savings accounts, loans, mortgages, and wealth management services, aimed at fostering economic growth and financial well-being within its operational regions.
Technical Analysis
Ownership Overview
10.97% Insiders
9.98% Mutual Funds
10.44% Other Institutional Investors
58.90% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---