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Peoples Bancorp of North Carolina, Inc. PEBK R2K

Financial Services · Banks - Regional · United States
https://www.peoplesbanknc.com
Company Profile ↓
$41.97
+44.75% 1Y
Mkt Cap$222.85M
P/E11.56
P/B1.49
Div. Yield1.89%
52W High$44.37
52W Low$27.10
Book Value$29.78
EPS (TTM)$3.63

Company Overview

Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses in the North Carolina, United States. The company offers deposit products. It also originates commercial real estate loans, commercial loans, construction and land development loans, single-family residential mortgage loans, as well as agricultural loans. In addition, the company 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. Further, it operates as a clearinghouse for the provision of appraisal services for community banks; and acquires, manages, and disposes of real property, other collateral, and other assets obtained in the ordinary course of collecting debts. The company was founded in 1912 and is headquartered in Newton, North Carolina.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 12.7% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 11.6, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 22.1%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.12.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +4.0%, earnings +1.3%.
  • 5-Year Trend Long-term compounding — profit CAGR 12.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:4.00%

Compounded Profit Growth

5 Years:12.73%
1 Year:1.30%

Stock Price Performance

1 Year:+44.75%
6 Months:+18.36%
3 Months:+0.91%
1 Month:-4.74%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 86% of range
$27.10 $44.37
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)45.62 · Neutral
Price Performance
1M-4.74%
3M+0.91%
6M+18.36%
1Y+44.75%
Valuation vs Sector

P/E of 11.56 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 22.1%.
  • Profit CAGR of 12.7% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
11.56
Industry PE
13.30
Forward P/E est.
11.41
PEG Ratio
-
Book Value
$29.78
Price to Book
1.49
P/S
2.62
EV/EBITDA
-
Dividend Yield
1.89%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
12.73%
Revenue (YoY)
4.00%
Earnings (YoY)
1.30%

Profitability & Returns

ROCE
-
ROE
13.41%
ROA
1.16%
Profit Margin
22.12%
Op Margin
27.80%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.80
EPS (TTM)
$3.63

Balance Sheet & Liquidity

Debt/Equity
0.12
Quick Ratio
-
Current Ratio
-
Debt
$18.91M
Total Assets
$1.73B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
19.22%
Chg in Prom Hold
-
FII / Inst Holding
44.55%
Chg in FII Hold
0.09%

Financial Snapshot

Enterprise Value
$222.85M
Total Revenue (TTM)
$89.87M
EBITDA
-
Free Cash Flow
$19.96M
Operating Cash Flow
$20.48M
Shares Outstanding
5.31M
Gross Margin
0.00%
Payout Ratio
22.31%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PEBK Peoples Bancorp of North Carolina, Inc. R2K 41.97 11.56 $222.85M 1.89% - 13.41% - 12.73%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue ------------------4.70M---------------------
Net Income 2.19M2.45M2.96M2.46M1.30M2.21M2.81M3.24M2.01M3.30M3.18M3.47M3.44M3.67M3.81M3.62M2.97M2.37M2.56M4.51M1.92M4.12M4.62M3.39M3.01M3.45M3.22M5.31M4.15M3.17M4.81M4.13M3.44M3.95M4.89M3.96M4.34M5.16M3.69M4.40M
Diluted EPS 0.390.400.480.400.220.360.460.530.340.550.530.570.570.610.640.610.500.400.440.780.330.710.800.590.530.610.570.930.740.560.850.740.620.720.890.720.790.950.670.80

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 2.92M1.84M5.16M5.79M6.69M9.39M9.63M9.18M10.27M13.38M14.07M11.36M15.13M16.12M15.55M16.35M19.83M
Diluted EPS 0.300.080.680.861.071.661.561.501.692.222.361.952.632.852.772.983.62

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.07B1.07B1.01B1.03B1.04B1.04B1.09B1.09B1.09B1.15B1.42B1.62B1.62B1.64B1.65B1.70B
Total Equity 101.13M99.22M96.86M103.03M97.75M83.72M98.67M104.86M107.43M115.97M123.62M134.12M139.90M142.37M105.19M121.02M130.56M157.12M
Cash & Equivalents 27.93M31.34M23.98M29.24M48.84M76.77M69.10M39.76M70.09M57.30M43.37M52.39M161.58M277.50M71.60M82.38M59.27M58.10M
Total Liabilities --970.79M964.04M915.77M950.97M941.83M933.62M980.56M976.19M969.63M1.02B1.28B1.48B1.52B1.51B1.52B1.55B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 4.71M17.80M22.35M19.03M24.92M1.92M13.86M12.24M18.59M17.19M13.20M9.16M26.90M22.62M22.78M20.56M21.37M
Investing Cash Flow -80.43M-44.02M-7.72M64.80M-19.23M-11.90M-30.13M-23.62M-24.11M-18.59M-48.18M-148.97M-106.14M-255.98M-753.00K-42.62M-41.83M
Financing Cash Flow 79.13M18.86M-9.37M-64.22M22.24M2.31M-13.07M41.71M-7.28M-12.53M44.00M249.00M195.16M27.46M-11.25M-1.04M19.30M
Capital Expenditure -1.61M-1.44M-1.60M-917.00K-2.43M-3.12M-2.35M-1.61M-5.56M-1.74M-2.83M-2.49M-484.00K-4.56M-1.95M-587.00K-1.41M
Free Cash Flow 3.10M16.36M20.75M18.11M22.49M-1.20M11.51M10.63M13.04M15.45M10.36M6.67M26.42M18.05M20.83M19.97M19.96M
Share Buybacks -----------3.00M3.60M710.00K2.00M2.00M0

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % 2.9%1.9%5.0%5.9%8.0%9.5%9.2%8.5%8.9%10.8%10.5%8.1%10.6%15.3%12.8%12.5%12.6%
ROCE % -----------------

Shareholding Pattern

Insiders
19.22%
Institutions
44.55%
Public Float
55.15%

Top Institutional Holders

#Holder% HeldSharesValue
1 Wellington Management Group, LLP 7.66% 418.61K $18.08M
2 Blackrock Inc. 5.31% 289.87K $12.52M
3 Vanguard Capital Management LLC 4.19% 229.01K $9.89M
4 Gendell, Jeffrey L. 3.99% 217.76K $9.40M
5 Fourthstone LLC 3.57% 194.92K $8.42M
6 Dimensional Fund Advisors LP 3.06% 167.28K $7.22M
7 Geode Capital Management, LLC 1.95% 106.26K $4.59M
8 Bridgeway Capital Management, LLC 1.49% 81.13K $3.50M
9 Arrowstreet Capital, Limited Partnership 1.11% 60.85K $2.63M
10 State Street Corporation 1.00% 54.78K $2.37M

Analyst View

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Latest News

Recent headlines for PEBK

Google News hu, 09 Jul 2026

Trading the Move, Not the Narrative: (PEBK) Edition - Stock Traders Daily

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Google News hu, 25 Jun 2026

PEBK vs. HTB: Which Regional Bank Stock Is the Better Buy Right Now? - The Globe and Mail

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Google News ue, 14 Jul 2026

Hello, I'm "MK Signal," an AI reporter who analyzes U.S. stock hot issues.On the 13th, People's Banc.. - 매일경제

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Google News ue, 26 May 2026

Insider Sale: Director at $PEBK Sells 950 Shares - Quiver Quantitative

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Google News Fri, 26 Jun 2026

Price to earnings forward of Peoples Bancorp of North Carolina, Inc. – NASDAQ:PEBK - TradingView

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Google News Wed, 08 Jul 2026

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PEBK — Frequently Asked Questions

What is the current share price of Peoples Bancorp of North Carolina, Inc. (PEBK)?

As of 2026-07-14 21:23 PDT, Peoples Bancorp of North Carolina, Inc. (PEBK) trades at $41.97 on NasdaqGM. Its 52-week range is $27.10 to $44.37.

What is the market capitalisation of PEBK?

Peoples Bancorp of North Carolina, Inc. (PEBK) has a market capitalisation of $222.85M on NasdaqGM.

What is the P/E ratio of PEBK?

PEBK trades at a trailing price-to-earnings (P/E) ratio of 11.56. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.49.

Does PEBK pay a dividend?

Peoples Bancorp of North Carolina, Inc. (PEBK) currently offers a dividend yield of 1.89%.

What is the return on equity (ROE) of PEBK?

PEBK has a return on equity (ROE) of 13.41%.

Is PEBK a good stock to buy?

This page provides a data-driven analysis of Peoples Bancorp of North Carolina, Inc. (PEBK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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