Peoples Bancorp Of North Carolina (PEBK) AI Stock Analysis

• Market Cap: $144.08M
• Dividend Yield: 2.88%
• Average Volume (3M): 7.55K
• Price to Earnings (P/E): 8.9
• Beta (1Y): 0.97
• Revenue Growth: 15.83%
• EPS Growth: 2.51%
• Country: US
• Employees: 292
• Sector: Financial
• Sector Strength: 77
• Industry: Banking
• EPS (TTM): 2.98
• Shares Outstanding: 5,457,646
• 10 Day Avg. Volume: 6,881
• 30 Day Avg. Volume: 7,547
• PEG Ratio: 1.07
• Price to Book (P/B): N/A
• Price to Sales (P/S): 1.83
• Price to Cash Flow (P/CF): 7.30
• P/FCF Ratio: 3.60
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Peoples Bancorp Of North Carolina is well-positioned financially, with strong profitability and cash flow metrics, although its revenue growth is moderate. The stock appears undervalued with a low P/E ratio and an attractive dividend yield. However, technical analysis indicates bearish trends, which could suggest caution in the short term. The absence of recent corporate events or earnings call data means these factors do not influence the current score.

Peoples Bancorp Of North Carolina Business Overview & Revenue Model

Company Description

Peoples Bancorp of North Carolina, Inc. is a holding company of the Peoples Bank, which engages in the provision of full suite of commercial and personal banking products and services, including personal banking, business banking, online banking, mobile banking, personal loans, business loans, treasury management, and wealth management services. It has no operations and conducts no business of its own other than owning the bank. The company was founded in 1999 and is headquartered in Newton, NC.

How the Company Makes Money

Peoples Bancorp of North Carolina generates revenue primarily through the interest income from its lending activities, including commercial, residential, and consumer loans. The bank also earns money from fees and service charges related to deposit accounts and other financial services. Additionally, the company benefits from non-interest income sources, such as gains from the sale of securities and mortgage banking activities. Peoples Bancorp's financial performance is influenced by its ability to manage interest rate spreads, maintain asset quality, and expand its customer base in a competitive banking environment.

Peoples Bancorp Of North Carolina Financial Statement Overview

Summary

Peoples Bancorp Of North Carolina demonstrates solid financial health with strong profitability margins and prudent debt management. While revenue growth is moderate, the company maintains a robust cash flow position, ensuring liquidity and operational efficiency. The balance sheet is stable, although there is potential for higher returns on equity. Overall, the financial statements reflect a well-managed company with room for growth.

Income Statement

Peoples Bancorp Of North Carolina shows solid gross profit margins with a TTM (Trailing-Twelve-Months) Gross Profit Margin of 93.2%, which is strong within the banking industry. The company's net profit margin for TTM stands at 16.8%, indicating stable profitability. However, the revenue growth rate from the previous year is relatively modest at 27%, suggesting moderate growth. Overall, profitability metrics are solid, but revenue growth is on a slower trajectory.

Balance Sheet

The company's balance sheet exhibits a strong equity position with an Equity Ratio of 8.2% for the TTM, although this is relatively low for the industry. The Debt-to-Equity Ratio is 0.15, demonstrating prudent leverage management. However, the Return on Equity (ROE) for the TTM is 11.9%, reflecting decent but not exceptional returns on shareholders' equity. The balance sheet is stable, with manageable debt levels but room for improvement in equity returns.

Cash Flow

Cash flow analysis reveals a robust Operating Cash Flow to Net Income Ratio of 1.26, indicating efficient cash generation relative to net profits. The Free Cash Flow to Net Income Ratio is 1.21, reflecting healthy free cash flow management. However, the Free Cash Flow Growth Rate is negative at -6.0%, which could be a concern if this trend continues. Overall, cash flow metrics are strong, with efficient cash utilization and management.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
96.60M	76.07M	1.14M	61.78M	61.76M	60.16M
	Gross Profit
90.00M	94.78M	1.14M	61.78M	61.76M	60.16M
	EBIT
52.04M	39.00M	23.62M	18.93M	13.85M	17.20M
	EBITDA
11.49M	0.00	26.33M	24.50M	16.83M	21.17M
	Net Income Common Stockholders
16.23M	15.55M	16.12M	15.13M	11.36M	14.07M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
237.95M	82.38M	516.99M	684.05M	406.83M	244.80M
	Total Assets
1.09B	1.64B	1.62B	1.62B	1.41B	1.15B
	Total Debt
20.62M	20.30M	15.46M	15.46M	15.46M	15.62M
	Net Debt
-22.75M	-62.08M	-56.13M	-262.04M	-146.12M	-33.44M
	Total Liabilities
969.63M	1.51B	1.52B	1.48B	1.27B	1.02B
	Stockholders Equity
123.62M	121.02M	105.19M	142.37M	139.90M	134.12M
Cash Flow		Free Cash Flow
19.58M	20.83M	18.09M	26.42M	6.67M	10.36M
	Operating Cash Flow
20.43M	22.78M	22.66M	26.90M	9.16M	13.20M
	Investing Cash Flow
-41.12M	-753.00K	-255.98M	-106.14M	-148.97M	-48.18M
	Financing Cash Flow
17.23M	-11.25M	27.42M	195.16M	249.00M	44.00M

Peoples Bancorp Of North Carolina Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 26.60
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PEBK, the sentiment is Negative. The current price of 26.6 is below the 20-day moving average (MA) of 27.35, below the 50-day MA of 28.55, and below the 200-day MA of 28.26, indicating a bearish trend. The MACD of -0.67 indicates Negative momentum. The RSI at 41.31 is Neutral, neither overbought nor oversold. The STOCH value of 56.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PEBK.

Peoples Bancorp Of North Carolina Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HTB	77 Outperform	$579.12M	10.33	10.34%	1.36%	11.01%	8.09%
CFFI	72 Outperform	$214.90M	11.03	8.95%	2.65%	10.65%	-12.80%
BHB	68 Neutral	$459.06M	10.55	9.78%	4.00%	7.81%	-3.54%
HWBK	65 Neutral	$180.96M	9.92	14.14%	2.86%	20.37%	1821.94%
Sector *	64 Neutral	$13.79B	10.52	9.20%	4.24%	17.25%	-7.60%
PEBK	63 Neutral	$144.08M	8.86	9.91%	2.88%	15.83%	2.51%
CARE	57 Neutral	$367.78M	15.54	6.60%	―	13.23%	8.42%

Peoples Bancorp Of North Carolina Corporate Events

Peoples Bancorp NC Appoints New Board Directors

Peoples Bancorp of North Carolina has appointed Robert C. Abernethy, Jr., Ashton V. Abernethy, and Dan R. Timmerman, Jr. to the Boards of Directors of both the Company and its subsidiary, Peoples Bank. These appointments are expected to enhance the governance framework of the company, although they have not yet been assigned to any specific committees.