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Peoples Bancorp of North Carolina, Inc. PEBK R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.peoplesbanknc.com
Company Profile ↓
$44.14
+47.10% 1Y
Mkt Cap$234.88M
P/E12.13
P/B1.42
Div. Yield1.96%
52W High$45.03
52W Low$27.47
Book Value$30.32
EPS (TTM)$3.64

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 12.1, below the sector median of 14.5.

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 +1.4%, earnings +1.1%.
  • 5-Year Trend Long-term compounding — profit CAGR 12.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:1.40%

Compounded Profit Growth

5 Years:12.73%
1 Year:1.10%

Stock Price Performance

1 Year:+47.10%
6 Months:+18.99%
3 Months:+2.95%
1 Month:+3.05%

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

Technical Snapshot Bullish
52-Week Range 95% of range
$27.47 $45.03
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)55.53 · Neutral
Price Performance
1M+3.05%
3M+2.95%
6M+18.99%
1Y+47.10%
Valuation vs Sector

P/E of 12.13 is below the sector median of 14.52 — 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
12.13
Industry PE
14.52
Forward P/E est.
12.00
PEG Ratio
-
Book Value
$30.32
Price to Book
1.42
P/S
2.54
EV/EBITDA
-
Dividend Yield
1.96%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
12.73%
Revenue (YoY)
1.40%
Earnings (YoY)
1.10%

Profitability & Returns

ROCE
-
ROE
13.07%
ROA
1.15%
Profit Margin
22.13%
Op Margin
30.36%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.96
EPS (TTM)
$3.64

Balance Sheet & Liquidity

Debt/Equity
0.12
Quick Ratio
-
Current Ratio
-
Debt
$18.75M
Total Assets
$1.76B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
19.16%
Chg in Prom Hold
-0.02%
FII / Inst Holding
47.15%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
$234.88M
Total Revenue (TTM)
$90.18M
EBITDA
-
Free Cash Flow
$19.96M
Operating Cash Flow
$21.44M
Shares Outstanding
5.32M
Gross Margin
0.00%
Payout Ratio
22.53%

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. R2KFINANCIAL 44.14 12.13 $234.88M 1.96% - 13.07% - 12.73%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 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 2026Jun 2026
Revenue -----------------4.70M----------------------
Net Income 2.45M2.96M2.46M1.30M2.21M2.81M3.24M2.01M3.30M3.18M3.47M3.44M3.67M3.81M3.62M2.97M2.37M2.56M4.51M1.92M4.12M4.62M3.39M3.01M3.45M3.22M5.31M4.15M3.17M4.81M4.13M3.44M3.95M4.89M3.96M4.34M5.16M3.69M4.40M5.23M
Diluted EPS 0.400.480.400.220.360.460.530.340.550.530.570.570.610.640.610.500.400.440.780.330.710.800.590.530.610.570.930.740.560.850.740.620.720.890.720.790.950.670.800.96

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
19.16%
Institutions
47.15%
Public Float
58.32%

Top Institutional Holders

#Holder% HeldSharesValue
1 Wellington Management Group, LLP 7.63% 416.58K $18.25M
2 Blackrock Inc. 5.70% 311.53K $13.65M
3 Gendell, Jeffrey L. 3.99% 217.76K $9.54M
4 Vanguard Capital Management LLC 3.65% 199.24K $8.73M
5 Dimensional Fund Advisors LP 3.41% 186.06K $8.15M
6 Geode Capital Management, LLC 2.15% 117.52K $5.15M
7 Bridgeway Capital Management, LLC 1.54% 83.86K $3.67M
8 American Century Companies Inc 1.42% 77.66K $3.40M
9 Arrowstreet Capital, Limited Partnership 1.41% 77.09K $3.38M
10 State Street Corporation 1.18% 64.33K $2.82M

Analyst View

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Latest News

Recent headlines for PEBK

Google News Wed, 02 Sep 2026

Insider Sale: Director at $PEBK Sells 500 Shares - quiverquant.com

<a href="https://news.google.com/rss/articles/CBMijgFBVV95cUxPVWVfQ3d5eDg3a19iV1piRzI2VjVmWFg3ZGg3S1l4UVo0dlNTSmhjZG5abVpkQnU2QXpnelJyVXhMUE1vVlhOUEhTZWhKaVpaRkxaT3hUa3JEU3dyZTlZQkU1R0JtX2Z6ZGU3YlI4N3VRX05DWEw4VXpfQzJPUVItR0R4Mlk0aHM4ZGY3Tz…

Google News Wed, 02 Sep 2026

Peoples Bancorp (NASDAQ: PEBK) director sells 7,000 shares with no preset trading plan disclosed - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiywFBVV95cUxNaXhNYVlqbnZ3QmJWZE02b0lkUVl4RjF3cEdOZ3I1VkQzVTA0WXVxTGtqRTh4Y2NGSXZRRFJ4dkp3ekFUU2lKRVJscUVnUC0tUWlvNlAzV2xjQmplV1ZKQ1VnZDROczBoRW5TdkNSY2ZJbTduOUlBY2ZOeXAtRHpYTnlSX2hHTGhVM0ZMdk…

Google News Wed, 02 Sep 2026

Peoples Bancorp of North Carolina (NASDAQ:PEBK) Director Sells $21,750.00 in Stock - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMi1gFBVV95cUxNeHdrbmlwVVRXM2VJWFBUMzg4U0FBYWxGTkxPVmRmdGo0c0NsVWNfV2J1b2ZtemFYV3I1MExHVmNqMVVhLWdKOFg0ZWEyb2NWTXBlalZFeFlnTHpHYXBWUFhlbzdHTHhrejdHVVZYUU42Ul9ZbXJPYmNZdWp0anVkR0xmUkV6Tk5Ib2xWS2…

Google News ue, 01 Sep 2026

PEBK vs. FCBC: Which Community Banking Stock Is the Better Buy Today? - Zacks Investment Research

<a href="https://news.google.com/rss/articles/CBMiqwFBVV95cUxObE03ekNXTkxuNmN3cUN5Z0d4ZVZiWEp3VVI2b0JJQkN4Wk0tdm9GanZDRl9WUGdDeTdTaVhoUUdEckt5T2NaenZRUjVqdS1KR3p3OEIwOEFwblNPSFVvT2dLVlRJc3EtLVEzbEFDam9WVHZIOFBRY1R3VDVBUVJudFBVbHVfTFpYUWdTST…

Google News Fri, 04 Sep 2026

Peoples Bancorp of North Carolina (NASDAQ: PEBK) Stock Price, News & Analysis - Kalkine

<a href="https://news.google.com/rss/articles/CBMiVkFVX3lxTE50a3JQMHBBakxmVjFYV01ydmtiZ3E2cGM3MDhISEFYS3ZaUU5hVEV4OEZEYkVYOEFQOC03cGlpWjNMdkhXNy1tT0djdld2ZlBOUzJNendn?oc=5" target="_blank">Peoples Bancorp of North Carolina (NASDAQ: PEBK) St…

Google News Wed, 02 Sep 2026

Peoples Bancorp (NASDAQ: PEBK) director lines up new stock sale - Stock Titan

<a href="https://news.google.com/rss/articles/CBMitAFBVV95cUxNUzUyYVFVOFFnNWZpTm81Qm0xUVJ4eEZibzVMTnoySUtJWTMyVGpDNHMycE9faktIX2NZWHViX0FXOU9XdmJ2YjBUZVZqMGlQRkQ0aHFDOXIxc3NOSHZlU2kxOHdjUkpaQzdXN2V0aUxUandjUmxoZHF2VGVoWS1Udzk5TlFEUjdocnlJR0…

PEBK — Frequently Asked Questions

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

As of 2026-09-07 16:24 PDT, Peoples Bancorp of North Carolina, Inc. (PEBK) trades at $44.14 on NasdaqGM. Its 52-week range is $27.47 to $45.03.

What is the market capitalisation of PEBK?

Peoples Bancorp of North Carolina, Inc. (PEBK) has a market capitalisation of $234.88M on NasdaqGM.

What is the P/E ratio of PEBK?

PEBK trades at a trailing price-to-earnings (P/E) ratio of 12.13. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.42.

Does PEBK pay a dividend?

Peoples Bancorp of North Carolina, Inc. (PEBK) currently offers a dividend yield of 1.96%.

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

PEBK has a return on equity (ROE) of 13.07%.

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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