Peoples Bancorp Of North Carolina (PEBK) AI Stock Analysis

• Market Cap: $155.70M
• Dividend Yield: 2.81%
• Average Volume (3M): 5.38K
• Price to Earnings (P/E): 9.3
• Beta (1Y): 0.93
• Revenue Growth: 9.07%
• EPS Growth: 4.44%
• Country: US
• Employees: 281
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 0.79
• Shares Outstanding: 5,459,441
• 10 Day Avg. Volume: 7,691
• 30 Day Avg. Volume: 5,380
• PEG Ratio: 1.30
• Price to Book (P/B): 1.70
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 9.86
• Enterprise Value/Market Cap: 0.79
• Enterprise Value/Revenue: 0.43
• Enterprise Value/Gross Profit: 1.71
• Enterprise Value/Ebitda: 1.28
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 75 Outperform
• Price Target: $31.00 ▲(11.55%Upside)

Peoples Bancorp of North Carolina has a solid financial performance with strong profitability and cash flow, which is the most significant factor in the overall score. The stock is undervalued based on its P/E ratio, enhancing its attractiveness. Technical analysis presents mixed signals, slightly dampening the score but not significantly affecting the overall positive outlook.

Peoples Bancorp Of North Carolina Business Overview & Revenue Model

Company Description

Peoples Bancorp of North Carolina, Inc. (PEBK) is a financial holding company headquartered in Newton, North Carolina. It operates primarily through its wholly-owned subsidiary, Peoples Bank, which provides a wide range of personal and commercial banking services. The bank offers traditional banking products such as checking and savings accounts, mortgage and consumer loans, as well as business financing solutions. Peoples Bank serves its clients through a network of branch locations across North Carolina, focusing on community-oriented banking services that cater to individuals and small to medium-sized businesses.

How the Company Makes Money

Peoples Bancorp of North Carolina generates revenue primarily through interest income from its loan portfolio, which includes residential and commercial real estate loans, consumer loans, and business loans. The company also earns income from non-interest sources such as service charges on deposit accounts, fees from financial services, and treasury management services. Additionally, the bank invests in securities, contributing to its income through interest and dividends. The company's financial performance is influenced by factors such as interest rate changes, economic conditions in its operating regions, and its ability to manage credit risk. Peoples Bank focuses on maintaining strong customer relationships and expanding its service offerings to enhance its revenue streams.

Peoples Bancorp Of North Carolina Financial Statement Overview

Summary

Peoples Bancorp of North Carolina exhibits strong profitability with a high gross profit margin and net profit margin, driven by effective cost management. The company's balance sheet is stable, with a low debt-to-equity ratio and strong ROE, although the equity ratio is relatively low. Cash flow is robust, indicating strong cash generation capabilities.

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
73.98M	71.14M	85.78M	67.39M	60.68M	60.75M
	Gross Profit
71.56M	71.14M	67.07M	67.39M	60.68M	60.75M
	EBIT
27.38M	20.93M	39.00M	20.38M	18.82M	12.64M
	EBITDA
24.72M	23.82M	23.05M	26.33M	24.50M	16.83M
	Net Income Common Stockholders
16.75M	16.35M	15.55M	16.12M	15.13M	11.36M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
320.36M	293.05M	82.38M	516.99M	277.50M	406.83M
	Total Assets
1.69B	1.65B	1.64B	1.62B	1.62B	1.42B
	Total Debt
19.42M	19.60M	20.30M	20.65M	20.14M	18.93M
	Net Debt
-83.10M	-39.67M	-62.08M	-50.95M	-257.36M	-142.65M
	Total Liabilities
1.55B	1.52B	1.51B	1.52B	1.48B	1.28B
	Stockholders Equity
138.51M	130.56M	121.02M	105.19M	142.37M	139.90M
Cash Flow		Free Cash Flow
21.59M	19.97M	20.83M	18.05M	26.42M	6.67M
	Operating Cash Flow
22.81M	20.56M	22.78M	22.66M	26.90M	9.16M
	Investing Cash Flow
-19.37M	-42.62M	-753.00K	-255.98M	-106.14M	-148.97M
	Financing Cash Flow
984.00K	-1.04M	-11.25M	27.42M	195.16M	249.00M

Peoples Bancorp Of North Carolina Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 27.79
• 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 Negative. The current price of 27.79 is below the 20-day moving average (MA) of 28.46, above the 50-day MA of 27.47, and above the 200-day MA of 27.67, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 47.79 is Neutral, neither overbought nor oversold. The STOCH value of 54.14 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
PEBK	75 Outperform	$155.70M	9.32	11.21%	2.81%	9.07%	4.44%
CBFV	68 Neutral	$142.91M	14.81	7.11%	3.53%	24.57%	-54.50%
MRBK	68 Neutral	$147.72M	9.20	9.64%	3.82%	12.41%	34.20%
HNVR	66 Neutral	$157.15M	16.69	4.99%	1.84%	28.86%	-20.64%
Sector *	64 Neutral	$12.85B	9.81	7.79%	78.20%	12.23%	-7.93%
BVFL	64 Neutral	$154.25M	13.77	5.63%	―	4.11%	-23.57%
BFIN	63 Neutral	$146.54M	32.98	2.83%	3.40%	0.83%	-47.11%

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.