Peoples Bancorp of North Carolina, Inc. PEBK R2K

Financial Services · Banks - Regional · United States

https://www.peoplesbanknc.com

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.

Market & Price

Market Cap

$223.54M

Current Price

$42.10

High / Low (52W)

$42.56 / $26.72

Beta

0.30

Valuation

Stock P/E

11.60

Industry PE

12.01

Forward P/E

PEG Ratio

Book Value

$29.78

Price to Book

1.41

P/S

2.49

EV/EBITDA

Dividend Yield

1.99%

Profitability & Returns

ROCE

ROE

13.41%

ROA

1.16%

Profit Margin

22.12%

Op Margin

27.80%

EPS (Latest Qtr)

$0.80

EPS (TTM)

$3.63

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$18.91M

Total Assets

$1.70B

Current Assets

Working Capital

Ownership

Promoter Holding

19.24%

Chg in Prom Hold

FII / Inst Holding

44.45%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$181.19M

Total Revenue (TTM)

$89.87M

EBITDA

Free Cash Flow

Operating Cash Flow

$20.48M

Shares Outstanding

5.31M

Gross Margin

0.00%

Payout Ratio

22.31%

Growth (CAGR)

Revenue 5Y

3.36%

Profit 5Y

7.14%

Revenue (YoY)

4.00%

Earnings (YoY)

1.30%

PROS

Excellent profit margin of 22.1%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	PEBK Peoples Bancorp of North Carolina, Inc. R2K	42.10	11.60	$223.54M	1.99%	-	13.41%	3.36%	7.14%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.70M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	17.82M	18.91M	18.58M	19.11M	19.05M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.03M	6.12M	6.29M	6.17M	5.77M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.63M	6.66M	4.79M	8.76M	5.65M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.29M	1.50M	1.10M	2.13M	1.25M
Net Income	2.45M	2.96M	2.46M	1.30M	2.21M	2.81M	3.24M	2.01M	3.30M	3.18M	3.47M	3.44M	3.67M	3.81M	3.62M	2.97M	2.37M	2.56M	4.51M	1.92M	4.12M	4.62M	3.39M	3.01M	3.45M	3.22M	5.31M	4.15M	3.17M	4.81M	4.13M	3.44M	3.95M	4.89M	3.96M	4.34M	5.16M	3.69M	6.63M	4.40M
Diluted EPS	0.40	0.48	0.40	0.22	0.36	0.46	0.53	0.34	0.55	0.53	0.57	0.57	0.61	0.64	0.61	0.50	0.40	0.44	0.78	0.33	0.71	0.80	0.59	0.53	0.61	0.57	0.93	0.74	0.56	0.85	0.74	0.62	0.72	0.89	0.72	0.79	0.95	0.67	1.21	0.80

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	67.39M	68.64M	71.14M	74.41M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	3.32M	17.14M	26.65M	24.60M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	20.30M	19.92M	20.93M	25.85M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	4.17M	4.38M	4.58M	6.02M
Net Income	2.92M	1.84M	5.16M	5.79M	6.69M	9.39M	9.63M	9.18M	10.27M	13.38M	14.07M	11.36M	-	16.12M	15.55M	16.35M	19.83M
Diluted EPS	0.30	0.08	0.68	0.86	1.07	1.66	1.56	1.50	1.69	2.22	2.36	1.95	-	2.85	2.77	2.98	3.62

Compounded Sales Growth

5 Years:	3.36%
1 Year:	4.00%

Compounded Profit Growth

5 Years:	7.14%
1 Year:	1.30%

Stock Price Performance

1 Year:	+57.58%
6 Months:	+32.73%
3 Months:	+10.79%
1 Month:	+7.76%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.07B	1.07B	1.01B	1.03B	1.04B	1.04B	1.09B	1.09B	1.09B	1.15B	1.42B	-	1.62B	1.64B	1.65B	1.70B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	27.93M	31.34M	23.98M	29.24M	48.84M	76.77M	69.10M	39.76M	70.09M	57.30M	43.37M	52.39M	161.58M	-	71.60M	82.38M	59.27M	58.10M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	19.25M	37.93M	-	-	-
Total Liabilities	-	-	970.79M	964.04M	915.77M	950.97M	941.83M	933.62M	980.56M	976.19M	969.63M	1.02B	1.28B	-	1.52B	1.51B	1.52B	1.55B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	15.46M	15.46M	15.46M	15.46M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	20.65M	20.30M	19.60M	19.08M
Total Equity	-	-	96.86M	103.03M	97.75M	83.72M	98.67M	104.86M	107.43M	115.97M	123.62M	134.12M	139.90M	-	105.19M	121.02M	130.56M	157.12M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.64M	5.53M	5.46M	5.46M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	4.71M	17.80M	22.35M	19.03M	24.92M	1.92M	13.86M	12.24M	18.59M	17.19M	13.20M	9.16M	-	22.62M	22.78M	20.56M	21.37M
Investing Cash Flow	-80.43M	-44.02M	-7.72M	64.80M	-19.23M	-11.90M	-30.13M	-23.62M	-24.11M	-18.59M	-48.18M	-148.97M	-	-255.98M	-753.00K	-42.62M	-41.83M
Financing Cash Flow	79.13M	18.86M	-9.37M	-64.22M	22.24M	2.31M	-13.07M	41.71M	-7.28M	-12.53M	44.00M	249.00M	-	27.46M	-11.25M	-1.04M	19.30M
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	-	-4.56M	-1.95M	-587.00K	-1.41M
Free Cash Flow	3.10M	16.36M	20.75M	18.11M	22.49M	-1.20M	11.51M	10.63M	13.04M	15.45M	10.36M	6.67M	-	18.05M	20.83M	19.97M	19.96M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-205.90M	10.78M	-23.11M	-1.16M
Share Buybacks	-	-	-	-	-	-	-	-	-	-	-	3.00M	3.60M	710.00K	2.00M	2.00M	0

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	23.9%	22.7%	23.0%	26.6%
ROE %	-	1.9%	5.0%	5.9%	8.0%	9.5%	9.2%	8.5%	8.9%	10.8%	10.5%	8.1%	-	15.3%	12.8%	12.5%	12.6%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

19.24%

Institutions

44.45%

Public Float

55.04%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Wellington Management Group, LLP	7.66%	418.61K	$17.62M
2	Blackrock Inc.	5.31%	289.87K	$12.20M
3	Vanguard Capital Management LLC	4.19%	229.01K	$9.64M
4	Gendell, Jeffrey L.	3.99%	217.76K	$9.17M
5	Fourthstone LLC	3.57%	194.92K	$8.21M
6	Dimensional Fund Advisors LP	3.06%	167.28K	$7.04M
7	Geode Capital Management, LLC	1.95%	106.26K	$4.47M
8	Bridgeway Capital Management, LLC	1.49%	81.13K	$3.42M
9	Arrowstreet Capital, Limited Partnership	1.11%	60.85K	$2.56M
10	State Street Corporation	1.00%	54.78K	$2.31M

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PEBK · Financial Services