Peoples Bancorp Of North Carolina (PEBK) AI Stock Analysis

• Market Cap: $161.22M
• Dividend Yield: 3.2%
• Average Volume (3M): 6.30K
• Price to Earnings (P/E): 9.6
• Beta (1Y): 0.88
• 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: 7,248
• 30 Day Avg. Volume: 6,298
• 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: 0.98
• Enterprise Value/Revenue: 1.67
• Enterprise Value/Gross Profit: 2.88
• Enterprise Value/Ebitda: 6.66
• 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: 71 Outperform
• Price Target: $33.00 ▲(9.67% Upside)

Peoples Bancorp Of North Carolina's strong financial performance and attractive valuation are the primary drivers of its score. Technical indicators suggest some short-term weakness, but the stock's fundamentals remain solid.

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 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	95.00M	97.79M	85.78M	70.72M	63.88M	64.59M
Gross Profit	55.02M	71.42M	67.07M	65.92M	61.84M	56.49M
EBITDA	23.77M	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	405.58M	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: Neutral
• Last Price: 30.09
• 50DMA: Negative
• 100DMA: Negative
• 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 30.09 is above the 20-day moving average (MA) of 29.98, below the 50-day MA of 30.59, and above the 200-day MA of 28.66, indicating a neutral trend. The MACD of -0.26 indicates Positive momentum. The RSI at 46.70 is Neutral, neither overbought nor oversold. The STOCH value of 70.18 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
UBFO	77 Outperform	$162.88M	14.21	8.41%	4.90%	-2.00%	-36.25%
PEBK	71 Outperform	$161.22M	9.64	11.73%	3.20%	4.52%	3.47%
OVBC	68 Neutral	$165.83M	11.71	8.95%	2.56%	10.35%	22.05%
MRBK	68 Neutral	$169.42M	8.31	11.39%	3.38%	9.77%	76.75%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HNVR	66 Neutral	$154.69M	14.25	5.60%	1.93%	0.99%	-6.35%
CBFV	61 Neutral	$159.09M	79.16	1.78%	3.01%	-1.39%	-88.66%