Peoples Bancorp Of North Carolina (PEBK) AI Stock Analysis

• Market Cap: $206.69M
• Dividend Yield: 2.54%
• Average Volume (3M): 10.75K
• Price to Earnings (P/E): 12.4
• Beta (1Y): 0.81
• Revenue Growth: 4.52%
• EPS Growth: 3.47%
• Country: US
• Employees: 281
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.68
• Shares Outstanding: 5,459,441
• 10 Day Avg. Volume: 14,028
• 30 Day Avg. Volume: 10,746
• PEG Ratio: 1.38
• Price to Book (P/B): 1.27
• Price to Sales (P/S): 1.69
• P/FCF Ratio: 8.29
• Enterprise Value/Market Cap: 0.77
• Enterprise Value/Revenue: 1.61
• Enterprise Value/Gross Profit: 2.17
• Enterprise Value/Ebitda: 6.46
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $37.00 ▲(13.43% Upside)

Peoples Bancorp Of North Carolina scores well due to its strong financial performance and positive technical indicators. The reasonable valuation further supports the stock's attractiveness. However, caution is advised due to potential overbought conditions in the technical analysis.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.

Balance Sheet Health

A low debt-to-equity ratio suggests financial stability and flexibility, enabling the company to manage economic fluctuations effectively.

Profitability

Strong profitability margins indicate efficient cost management and robust business operations, enhancing long-term financial performance.

Negative Factors

Free Cash Flow Decline

A decline in free cash flow growth can limit the company's ability to invest in growth opportunities and manage financial obligations.

Cost Pressures

Rising costs may pressure profit margins, potentially impacting long-term profitability if not managed effectively.

Cash Flow Efficiency

Lack of detailed cash flow efficiency metrics hinders comprehensive assessment of the company's ability to convert income into cash.

Peoples Bancorp Of North Carolina Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Peoples Bancorp of North Carolina generates revenue primarily through interest income from loans and securities. The company earns interest on loans provided to consumers and businesses, which constitutes a significant portion of its earnings. Additionally, it collects fees from various banking services, including account maintenance, transaction fees, and loan origination fees. Non-interest income also comes from wealth management services, investment advisory fees, and other financial services. The bank's strategic partnerships with local businesses and community organizations further enhance its ability to attract deposits and generate lending opportunities, thereby boosting its overall revenue.

Peoples Bancorp Of North Carolina Financial Statement Overview

Summary

Peoples Bancorp Of North Carolina shows strong financial health with impressive revenue growth and profitability. The balance sheet is robust with low leverage, and while cash flow management shows some areas for improvement, the company maintains a strong cash conversion rate.

Income Statement

Peoples Bancorp Of North Carolina has demonstrated strong revenue growth with a TTM increase of 39.5% compared to the previous year. The gross profit margin remains robust at 73.8%, indicating efficient cost management. Net profit margin has improved to 17.3%, reflecting enhanced profitability. EBIT and EBITDA margins are healthy at 22.6% and 25.5%, respectively, showcasing operational efficiency.

Balance Sheet

The company's balance sheet is stable with a low debt-to-equity ratio of 0.13, indicating conservative leverage. Return on equity is solid at 12.4%, suggesting effective use of equity capital. The equity ratio stands at 8.5%, reflecting a strong equity position relative to total assets.

Cash Flow

Operating cash flow is positive, although the operating cash flow to net income ratio is low at 0.014, indicating potential cash flow management challenges. Free cash flow growth has declined by 5.6%, but the free cash flow to net income ratio remains strong at 0.94, suggesting good cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	98.47M	97.79M	85.78M	70.72M	63.88M	64.59M
Gross Profit	73.08M	71.42M	67.07M	65.92M	61.84M	56.49M
EBITDA	24.50M	23.82M	23.05M	26.33M	24.50M	18.03M
Net Income	16.76M	16.35M	15.55M	16.12M	15.13M	11.36M
Balance Sheet
Total Assets	1.74B	1.65B	1.64B	1.62B	1.62B	1.42B
Cash, Cash Equivalents and Short-Term Investments	493.88M	293.05M	474.30M	516.99M	684.05M	406.83M
Total Debt	19.26M	19.60M	107.01M	68.34M	57.23M	45.14M
Total Liabilities	1.59B	1.52B	1.51B	1.52B	1.48B	1.28B
Stockholders Equity	149.47M	130.56M	121.02M	105.19M	142.37M	139.90M
Cash Flow
Free Cash Flow	20.02M	19.97M	20.83M	18.05M	26.42M	6.67M
Operating Cash Flow	21.36M	20.56M	22.78M	22.66M	26.90M	9.16M
Investing Cash Flow	-36.88M	-42.62M	-753.00K	-255.98M	-106.14M	-148.97M
Financing Cash Flow	59.37M	-1.04M	-11.25M	27.42M	195.16M	249.00M

Peoples Bancorp Of North Carolina Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 32.62
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 32.62 is below the 20-day moving average (MA) of 34.52, above the 50-day MA of 31.67, and above the 200-day MA of 29.26, indicating a bullish trend. The MACD of 1.91 indicates Negative momentum. The RSI at 81.55 is Negative, neither overbought nor oversold. The STOCH value of 87.09 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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
UBFO	78 Outperform	$181.93M	15.78	8.41%	4.66%	-2.00%	-36.25%
PEBK	76 Outperform	$206.69M	12.35	11.73%	2.54%	4.52%	3.47%
MRBK	75 Outperform	$205.59M	10.09	11.39%	2.80%	9.77%	76.75%
HNVR	68 Neutral	$171.61M	15.85	5.60%	1.68%	0.99%	-6.35%
OVBC	68 Neutral	$194.09M	13.71	8.95%	2.21%	10.35%	22.05%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CBFV	67 Neutral	$187.56M	92.86	1.78%	2.73%	-1.39%	-88.66%