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Peoples Bancorp Of North Carolina (PEBK)
NASDAQ:PEBK
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Peoples Bancorp Of North Carolina (PEBK) AI Stock Analysis

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PEBK

Peoples Bancorp Of North Carolina

(NASDAQ:PEBK)

Rating:79Outperform
Price Target:
$34.00
▲(6.58% Upside)
Peoples Bancorp Of North Carolina's strong financial performance and attractive valuation are the primary drivers of its high score. The technical indicators support a stable outlook, reinforcing the stock's potential for growth. The absence of earnings call data and corporate events does not detract from the positive assessment.

Peoples Bancorp Of North Carolina (PEBK) vs. SPDR S&P 500 ETF (SPY)

Peoples Bancorp Of North Carolina Business Overview & Revenue Model

Company DescriptionPeoples Bancorp of North Carolina, Inc. is a financial holding company headquartered in Newton, North Carolina. The company primarily operates through its wholly-owned subsidiary, Peoples Bank, which provides a wide range of banking services to retail and commercial customers. Its core offerings include checking and savings accounts, loans (including personal, mortgage, and commercial loans), and investment services. Peoples Bancorp focuses on serving communities in North Carolina, emphasizing customer service and community involvement.
How the Company Makes MoneyPeoples Bancorp generates revenue primarily through net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. The company offers various loan products, including residential mortgages, personal loans, and commercial loans, which contribute significantly to its interest income. Additionally, Peoples Bancorp earns non-interest income from service charges on deposit accounts, fees for financial services, and investment advisory services. The company also engages in mortgage banking activities, generating fee income from the origination and sale of mortgage loans. Strategic partnerships with local businesses and community organizations enhance its customer base and service offerings, contributing to overall earnings.

Peoples Bancorp Of North Carolina Financial Statement Overview

Summary
Peoples Bancorp of North Carolina exhibits strong profitability with a healthy gross profit margin of 96.73% and a net profit margin of 22.64%. The company shows robust operational efficiency with EBIT and EBITDA margins at 37% and 33%, respectively. The balance sheet is stable with a low debt-to-equity ratio of 0.14 and a strong ROE of 12.1%. Cash flow is strong with a free cash flow growth rate of 8.12% and good cash conversion ratios. Overall, the financial profile is solid, though the equity ratio is relatively low.
Income Statement
78
Positive
Peoples Bancorp of North Carolina shows strong profitability with a healthy gross profit margin of 96.73% for TTM, driven by effective cost management. The net profit margin stands at 22.64% for TTM, indicating solid net earnings relative to revenue. Revenue growth is moderate, with a 4% increase from 2024 to 2025 TTM. EBIT and EBITDA margins are robust at 37% and 33%, respectively, highlighting operational efficiency. The company maintains consistent revenue growth and profitability, although the revenue growth rate could be stronger.
Balance Sheet
75
Positive
The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.14 for TTM, suggesting conservative leverage. The return on equity (ROE) is strong at 12.1%, indicating effective use of equity capital to generate profits. The equity ratio is 8.18%, showing modest equity financing compared to total assets, which is typical for banks. The company's conservative debt strategy and high ROE are strengths, though the relatively low equity ratio may pose risks during economic downturns.
Cash Flow
82
Very Positive
Cash flow analysis reveals a healthy free cash flow growth rate of 8.12% for TTM, indicating strong cash generation capabilities. The operating cash flow to net income ratio of 1.36 suggests good cash conversion from earnings. The free cash flow to net income ratio of 1.29 further reinforces the firm's ability to generate cash. The company's strong cash flow performance supports its operational stability and growth initiatives.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue98.39M97.79M85.78M70.72M63.88M64.59M
Gross Profit72.60M71.42M67.07M65.92M61.84M56.49M
EBITDA25.06M23.82M23.05M26.33M24.50M18.03M
Net Income17.02M16.35M15.55M16.12M15.13M11.36M
Balance Sheet
Total Assets1.69B1.65B1.64B1.62B1.62B1.42B
Cash, Cash Equivalents and Short-Term Investments404.63M293.05M474.30M516.99M684.05M406.83M
Total Debt19.31M19.60M107.01M68.34M57.23M45.14M
Total Liabilities1.55B1.52B1.51B1.52B1.48B1.28B
Stockholders Equity144.00M130.56M121.02M105.19M142.37M139.90M
Cash Flow
Free Cash Flow20.39M19.97M20.83M18.05M26.42M6.67M
Operating Cash Flow21.63M20.56M22.78M22.66M26.90M9.16M
Investing Cash Flow-16.44M-42.62M-753.00K-255.98M-106.14M-148.97M
Financing Cash Flow13.98M-1.04M-11.25M27.42M195.16M249.00M

Peoples Bancorp Of North Carolina Technical Analysis

Technical Analysis Sentiment
Positive
Last Price31.90
Price Trends
50DMA
29.45
Positive
100DMA
28.52
Positive
200DMA
28.51
Positive
Market Momentum
MACD
0.74
Negative
RSI
64.05
Neutral
STOCH
68.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PEBK, the sentiment is Positive. The current price of 31.9 is above the 20-day moving average (MA) of 30.07, above the 50-day MA of 29.45, and above the 200-day MA of 28.51, indicating a bullish trend. The MACD of 0.74 indicates Negative momentum. The RSI at 64.05 is Neutral, neither overbought nor oversold. The STOCH value of 68.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PEBK.

Peoples Bancorp Of North Carolina Risk Analysis

Peoples Bancorp Of North Carolina disclosed 39 risk factors in its most recent earnings report. Peoples Bancorp Of North Carolina reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Peoples Bancorp Of North Carolina Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
$163.13M15.237.97%3.10%20.82%-48.08%
79
Outperform
$171.48M10.0912.69%3.03%6.08%4.61%
78
Outperform
$166.39M16.195.31%5.08%-12.60%
75
Outperform
$177.54M11.049.64%3.18%12.41%34.20%
68
Neutral
$18.05B11.7310.24%3.73%9.66%1.70%
67
Neutral
$154.14M78.991.24%3.18%-2.35%-76.38%
66
Neutral
$160.90M14.735.69%1.80%8.34%-2.33%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
PEBK
Peoples Bancorp Of North Carolina
31.90
4.90
18.15%
BFIN
Bankfinancial
12.59
1.45
13.02%
CBFV
CB Financial Services
33.15
7.48
29.14%
MRBK
Meridian Bank
15.74
4.58
41.04%
HNVR
Hanover Bancorp Inc
22.59
5.63
33.20%
BVFL
BV Financial, Inc.
16.75
2.58
18.21%

Peoples Bancorp Of North Carolina Corporate Events

Executive/Board Changes
Peoples Bancorp NC Appoints New Board Directors
Neutral
Dec 23, 2024

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 20, 2025