Peoples Bancorp Of North Carolina (PEBK) AI Stock Analysis

• Market Cap: $154.01M
• Dividend Yield: 2.73%
• Average Volume (3M): 5.38K
• Price to Earnings (P/E): 9.2
• Beta (1Y): 0.93
• Revenue Growth: 9.07%
• EPS Growth: 4.44%
• Country: US
• Employees: 281
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.79
• Shares Outstanding: 5,459,441
• 10 Day Avg. Volume: 7,048
• 30 Day Avg. Volume: 5,385
• PEG Ratio: 3.44
• Price to Book (P/B): 1.08
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.13
• Enterprise Value/Market Cap: 0.46
• Enterprise Value/Revenue: 0.25
• Enterprise Value/Gross Profit: 0.99
• Enterprise Value/Ebitda: 0.74
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 71 Outperform
• Price Target: $31.00 ▲(10.67%Upside)

The overall stock score for Peoples Bancorp of North Carolina is driven by its solid financial performance and attractive valuation. The company's strong profitability, efficient operations, and robust cash flow generation underpin its financial strength. Despite neutral technical indicators, the stock's low P/E ratio and appealing dividend yield enhance its investment potential. The absence of recent earnings call and corporate events data does not detract from the stock's overall positive outlook.

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 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 a solid financial profile with a high gross profit margin, strong net profit margin, and robust EBIT and EBITDA margins. The balance sheet is stable with a low debt-to-equity ratio, and cash flow analysis shows strong cash generation capabilities. The company maintains consistent revenue growth, although the growth rate could be stronger. Overall, the financial performance is strong, with efficient operations and conservative leverage.

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
219.75M	293.05M	82.38M	516.99M	277.50M	406.83M
	Total Assets
1.11B	1.65B	1.64B	1.62B	1.62B	1.42B
	Total Debt
24.81M	19.60M	20.30M	20.65M	20.14M	18.93M
	Net Debt
-26.40M	-39.67M	-62.08M	-50.95M	-257.36M	-142.65M
	Total Liabilities
984.56M	1.52B	1.51B	1.52B	1.48B	1.28B
	Stockholders Equity
126.58M	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: Positive
• Last Price: 28.01
• 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 Positive. The current price of 28.01 is below the 20-day moving average (MA) of 28.59, above the 50-day MA of 27.44, and above the 200-day MA of 27.67, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 51.75 is Neutral, neither overbought nor oversold. The STOCH value of 28.77 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	71 Outperform	$154.01M	9.22	11.21%	2.73%	9.07%	4.44%
CBFV	68 Neutral	$143.82M	14.90	7.11%	3.49%	24.57%	-54.50%
MRBK	68 Neutral	$147.84M	9.21	9.64%	3.82%	12.41%	34.20%
HNVR	66 Neutral	$157.30M	16.71	4.99%	1.84%	28.86%	-20.64%
Sector *	64 Neutral	$12.86B	9.79	7.78%	16985.65%	12.28%	-7.82%
BVFL	64 Neutral	$156.35M	13.96	5.63%	―	4.11%	-23.57%
BFIN	63 Neutral	$145.91M	32.84	2.83%	3.42%	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.