Peoples Bancorp Of North Carolina (PEBK)
NASDAQ:PEBK
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Peoples Bancorp Of North Carolina
(NASDAQ:PEBK)
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Rating:74Outperform
Price Target:
$42.00
â–²(28.76% Upside)
Action:ReiteratedDate:03/17/26
The score is driven primarily by solid fundamentals (revenue growth, healthy profitability, improved leverage and stable ROE), partially offset by inconsistent and recently weaker free cash flow trends. Technicals are broadly neutral with a supportive longer-term trend, while valuation is reasonable with a modest dividend yield.
Positive Factors
De-risked capital structure
A near-0.10 debt-to-equity ratio meaningfully reduces solvency and funding risk, giving management durable flexibility to support lending, absorb credit shocks, and pursue growth without relying on heavy external borrowing. This strengthens long-term stability and regulatory resilience.
Negative Factors
Free cash flow volatility
Material year-to-year swings in operating and free cash flow reduce confidence in sustained internal funding for lending, capital expenditures, and shareholder returns. For a regional bank, inconsistent cash generation complicates planning for credit cycles and contingency buffers.
Read all positive and negative factors
Positive Factors
Negative Factors
De-risked capital structure
A near-0.10 debt-to-equity ratio meaningfully reduces solvency and funding risk, giving management durable flexibility to support lending, absorb credit shocks, and pursue growth without relying on heavy external borrowing. This strengthens long-term stability and regulatory resilience.
Read all positive factors
Peoples Bancorp Of North Carolina (PEBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$229.16M
Dividend Yield2.58%
Average Volume (3M)11.36K
Price to Earnings (P/E)12.4
Beta (1Y)0.78
Revenue Growth4.52%
EPS Growth3.47%
CountryUS
Employees281
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.22
Shares Outstanding5,461,490
10 Day Avg. Volume14,555
30 Day Avg. Volume11,359
Financial Highlights & Ratios
PEG Ratio-2.39
Price to Book (P/B)1.57
Price to Sales (P/S)2.15
P/FCF Ratio12.33
Enterprise Value/Market Cap0.96
Enterprise Value/Revenue2.09
Enterprise Value/Gross Profit2.77
Enterprise Value/Ebitda7.68
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 ...
How the Company Makes Money
Peoples Bancorp of North Carolina primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income from banking-related fees. Net interest income is driven by the spread between interest...
Peoples Bancorp Of North Carolina Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
81
Very Positive
Cash Flow
62
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 114.60M | 97.79M | 85.78M | 70.72M | 63.88M |
| Gross Profit | 89.06M | 71.42M | 67.07M | 65.92M | 61.84M |
| EBITDA | 25.85M | 23.82M | 23.05M | 26.33M | 24.50M |
| Net Income | 19.83M | 16.35M | 15.55M | 16.12M | 15.13M |
Balance Sheet | |||||
| Total Assets | 1.70B | 1.65B | 1.64B | 1.62B | 1.62B |
| Cash, Cash Equivalents and Short-Term Investments | 405.08M | 293.05M | 474.30M | 516.99M | 684.05M |
| Total Debt | 19.08M | 19.60M | 107.01M | 68.34M | 57.23M |
| Total Liabilities | 1.55B | 1.52B | 1.51B | 1.52B | 1.48B |
| Stockholders Equity | 157.12M | 130.56M | 121.02M | 105.19M | 142.37M |
Cash Flow | |||||
| Free Cash Flow | 19.96M | 19.97M | 20.83M | 18.05M | 26.42M |
| Operating Cash Flow | 21.37M | 20.56M | 22.78M | 22.66M | 26.90M |
| Investing Cash Flow | -41.83M | -42.62M | -753.00K | -255.98M | -106.14M |
| Financing Cash Flow | 19.30M | -1.04M | -11.25M | 27.42M | 195.16M |
Peoples Bancorp Of North Carolina Technical Analysis
Positive
32.62
Price Trends
38.30
Positive
36.42
Positive
32.95
Positive
Market Momentum
0.85
Negative
77.07
Negative
88.60
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 38.83, below the 50-day MA of 38.30, and below the 200-day MA of 32.95, indicating a bullish trend. The MACD of 0.85 indicates Negative momentum. The RSI at 77.07 is Negative, neither overbought nor oversold. The STOCH value of 88.60 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 Risk Analysis
Peoples Bancorp Of North Carolina disclosed 39 risk factors in its most recent earnings report. Peoples Bancorp Of North Carolina reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Peoples Bancorp Of North Carolina Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $229.16M | 12.41 | 13.46% | 2.58% | 4.52% | 3.47% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $181.36M | 14.13 | 9.03% | 4.66% | -2.00% | -36.25% | |
64 Neutral | $184.15M | 35.81 | 3.23% | 2.90% | -1.39% | -88.66% | |
63 Neutral | $214.63M | 12.07 | 9.58% | 2.27% | 10.35% | 22.05% | |
58 Neutral | $244.63M | 9.12 | 11.39% | 2.87% | 9.77% | 76.75% | |
49 Neutral | $161.73M | 23.06 | 5.60% | 1.70% | 0.99% | -6.35% |
* Financial Sector Average
PEBK
Peoples Bancorp Of North Carolina
41.96
16.79
66.68%
OVBC
Ohio Valley Banc
45.56
17.47
62.16%
CBFV
CB Financial Services
36.28
10.26
39.44%
UBFO
United Security Bancshares
10.51
3.23
44.41%
MRBK
Meridian Bank
20.60
7.96
62.96%
HNVR
Hanover Bancorp Inc
22.55
3.73
19.84%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.