Peoples Bancorp Of North Carolina (PEBK) AI Stock Analysis

• Market Cap: $157.45M
• Dividend Yield: 2.82%
• Average Volume (3M): 7.35K
• Price to Earnings (P/E): 9.4
• Beta (1Y): 1.01
• Revenue Growth: 9.07%
• EPS Growth: 4.44%
• Country: US
• Employees: 281
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 3.06
• Shares Outstanding: 5,459,441
• 10 Day Avg. Volume: 4,784
• 30 Day Avg. Volume: 7,351
• PEG Ratio: 2.13
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.84
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 1.85
• 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's stock score reflects its strong financial performance, with solid profitability and low leverage. The company is financially stable, although revenue growth remains a concern. The technical indicators suggest a neutral to slightly bearish trend, with potential for upward movement. The valuation is compelling, with a low P/E ratio and a decent dividend yield, adding an attractive income element for investors.

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 demonstrates strong financial stability with solid profitability and low leverage. While revenue has slightly declined, the company maintains excellent profit margins and cash conversion efficiency. The balance sheet is robust, reflecting prudent financial management, though growth in revenue is an area to monitor.

Income Statement

The income statement shows stable revenue with a recent decline, but strong profitability. The gross profit margin remains high as gross profit equals total revenue. The net profit margin was approximately 22.98% in 2024, reflecting strong cost control. However, revenue has decreased, indicating potential concern for growth.

Balance Sheet

The balance sheet indicates a strong equity position with a Debt-to-Equity ratio of approximately 0.15, showcasing low leverage. The Return on Equity (ROE) for 2024 is 12.52%, highlighting efficient use of equity. The Equity Ratio is 7.90%, showing a solid equity foundation relative to assets.

Cash Flow

The cash flow statement shows positive free cash flow, though with a slight decline in operating cash flow. The Free Cash Flow to Net Income ratio is 1.22, indicating good cash generation relative to earnings. The Operating Cash Flow to Net Income ratio is 1.26, suggesting effective cash conversion.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
71.14M	76.07M	1.14M	61.78M	61.76M
	Gross Profit
71.14M	94.78M	1.14M	61.78M	61.76M
	EBIT
0.00	39.00M	23.62M	18.93M	13.85M
	EBITDA
0.00	0.00	26.33M	24.50M	16.83M
	Net Income Common Stockholders
16.35M	15.55M	16.12M	15.13M	11.36M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
293.05M	82.38M	516.99M	684.05M	406.83M
	Total Assets
1.65B	1.64B	1.62B	1.62B	1.41B
	Total Debt
19.60M	20.30M	15.46M	15.46M	15.46M
	Net Debt
-39.67M	-62.08M	-56.13M	-262.04M	-146.12M
	Total Liabilities
1.52B	1.51B	1.52B	1.48B	1.27B
	Stockholders Equity
130.56M	121.02M	105.19M	142.37M	139.90M
Cash Flow		Free Cash Flow
19.97M	20.83M	18.09M	26.42M	6.67M
	Operating Cash Flow
20.56M	22.78M	22.66M	26.90M	9.16M
	Investing Cash Flow
-42.62M	-753.00K	-255.98M	-106.14M	-148.97M
	Financing Cash Flow
-1.04M	-11.25M	27.42M	195.16M	249.00M

Peoples Bancorp Of North Carolina Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 27.33
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 27.33 is above the 20-day moving average (MA) of 26.53, above the 50-day MA of 26.80, and below the 200-day MA of 27.96, indicating a bullish trend. The MACD of 0.22 indicates Negative momentum. The RSI at 63.03 is Neutral, neither overbought nor oversold. The STOCH value of 77.67 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 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PEBK	74 Outperform	$157.45M	9.43	10.07%	2.82%	9.07%	4.44%
CBFV	68 Neutral	$150.31M	15.32	7.11%	3.44%	24.57%	-54.50%
MRBK	68 Neutral	$153.82M	9.58	9.65%	3.67%	12.41%	34.20%
HNVR	66 Neutral	$168.36M	18.01	5.01%	1.72%	28.86%	-20.64%
BVFL	64 Neutral	$168.97M	14.99	5.63%	―	4.11%	-23.57%
Sector *	64 Neutral	$12.65B	9.74	8.04%	17044.64%	12.65%	-5.11%
BFIN	63 Neutral	$153.27M	34.49	2.83%	3.25%	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.