Peoples Bancorp Of North Carolina (PEBK) AI Stock Analysis

• Market Cap: $170.23M
• Dividend Yield: 3.05%
• Average Volume (3M): 6.29K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.93
• Revenue Growth: 6.08%
• EPS Growth: 4.61%
• Country: US
• Employees: 281
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.94
• Shares Outstanding: 5,459,441
• 10 Day Avg. Volume: 8,615
• 30 Day Avg. Volume: 6,287
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.85
• Enterprise Value/Revenue: 1.46
• Enterprise Value/Gross Profit: 1.98
• Enterprise Value/Ebitda: 5.75
• 1Y Price Target: $34.00
• Price Target Upside: 9.04% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 79 Outperform
• Price Target: $34.00 ▲(9.04% 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 Business Overview & Revenue Model

Company Description

Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various commercial and consumer banking products and services to individuals and small to medium-sized businesses. It offers checking, savings, money market, and time deposits; demand deposits; and certificates of deposit, as well as borrowed funds. The company's loan products comprise commercial real estate, commercial, construction and land development, single-family residential, residential mortgage, and individual taxpayer identification number mortgage loans, as well as agricultural loans. It also provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. In addition, the company operates as a clearing-house for the provision of appraisal services for community banks; and acquires, manages, and disposes real property, other collateral, and other assets obtained in the ordinary course of collecting debts, as well as offers insurance agency services. As of December 31, 2021, it operated 17 banking offices located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Mooresville, Raleigh, and Cary, North Carolina. The company also operates loan production offices in Charlotte, Denver, Salisbury, and Winston-Salem, North Carolina. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.

How the Company Makes Money

Peoples 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

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	98.39M	97.79M	85.78M	70.72M	63.88M	64.59M
Gross Profit	72.60M	71.42M	67.07M	65.92M	61.84M	56.49M
EBITDA	25.06M	23.82M	23.05M	26.33M	24.50M	18.03M
Net Income	17.02M	16.35M	15.55M	16.12M	15.13M	11.36M
Balance Sheet
Total Assets	1.69B	1.65B	1.64B	1.62B	1.62B	1.42B
Cash, Cash Equivalents and Short-Term Investments	404.63M	293.05M	474.30M	516.99M	684.05M	406.83M
Total Debt	19.31M	19.60M	107.01M	68.34M	57.23M	45.14M
Total Liabilities	1.55B	1.52B	1.51B	1.52B	1.48B	1.28B
Stockholders Equity	144.00M	130.56M	121.02M	105.19M	142.37M	139.90M
Cash Flow
Free Cash Flow	20.39M	19.97M	20.83M	18.05M	26.42M	6.67M
Operating Cash Flow	21.63M	20.56M	22.78M	22.66M	26.90M	9.16M
Investing Cash Flow	-16.44M	-42.62M	-753.00K	-255.98M	-106.14M	-148.97M
Financing Cash Flow	13.98M	-1.04M	-11.25M	27.42M	195.16M	249.00M

Peoples Bancorp Of North Carolina Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 31.18
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PEBK, the sentiment is Neutral. The current price of 31.18 is below the 20-day moving average (MA) of 31.52, above the 50-day MA of 30.17, and above the 200-day MA of 28.64, indicating a neutral trend. The MACD of 0.28 indicates Positive momentum. The RSI at 51.28 is Neutral, neither overbought nor oversold. The STOCH value of 39.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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
CBFV	80 Outperform	$169.31M	15.81	8.55%	2.97%	20.82%	-48.08%
PEBK	79 Outperform	$170.23M	10.02	12.69%	3.05%	6.08%	4.61%
MRBK	75 Outperform	$181.50M	9.95	10.30%	3.11%	12.20%	71.87%
BVFL	71 Outperform	$163.31M	15.89	5.41%	―	5.08%	-12.60%
BFIN	67 Neutral	$152.77M	78.29	1.25%	3.26%	-2.35%	-76.38%
HNVR	66 Neutral	$166.31M	15.22	―	1.74%	8.34%	-2.33%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

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.