NASDAQ: PEBKPeoples Bancorp Of North Carolina Inc Stock
$25.72-0.19 (-0.73%)
Updated Apr 17, 2025
PEBK Price
$25.72
Fair Value Price
$31.92
Market Cap
$140.33M
52 Week Low
$23.74
52 Week High
$33.31
P/E
8.35x
P/B
1.07x
P/S
2.08x
PEG
2.36x
Dividend Yield
3.62%
Revenue
$82.08M
Earnings
$16.35M
Gross Margin
100%
Operating Margin
25.5%
Profit Margin
19.9%
Debt to Equity
11.65
Operating Cash Flow
$21M
Beta
0.57
Next Earnings
Apr 21, 2025
Ex-Dividend
N/A
Next Dividend
N/A
PEBK Overview
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.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine PEBK's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
PEBK
Ranked#92 of 295
Ranked#92 of 295
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $12.64 | B | |
| $31.51 | B | |
| $23.63 | B |
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PEBK News
Overview
Due Diligence Score
–
Industry Average (32)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how PEBK scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
PEBK ($25.72) is undervalued by 19.42% relative to our estimate of its Fair Value price of $31.92 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
PEBK ($25.72) is not significantly undervalued (19.42%) relative to our estimate of its Fair Value price of $31.92 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
PEBK ($25.72) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more PEBK due diligence checks available for Premium users.
Valuation
PEBK fair value
Fair Value of PEBK stock based on Discounted Cash Flow (DCF)
Price
$25.72
Fair Value
$31.92
Undervalued by
19.42%
PEBK ($25.72) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
PEBK ($25.72) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
PEBK ($25.72) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
PEBK price to earnings (PE)
For valuing profitable companies with steady earnings
Company
8.35x
Industry
13x
Market
27.98x
PEBK is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
PEBK is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
PEBK price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.07x
Industry
1.08x
PEBK is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
PEBK price to earnings growth (PEG)
For valuing profitable companies with growth potential
PEBK is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
PEBK's financial health
Profit margin
Revenue
$21.1M
Net Income
$3.6M
Profit Margin
16.9%
PEBK's Earnings (EBIT) of $20.93M... subscribe to Premium to read more.
Interest Coverage Financials
PEBK's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.7B
Liabilities
$1.5B
Debt to equity
11.65
PEBK's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
PEBK's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$5.3M
Investing
-$14.5M
Financing
-$4.7M
PEBK's operating cash flow ($20.56M)... subscribe to Premium to read more.
Debt Coverage Financials
PEBK vs Bank Stocks
Peoples Bancorp Of North Carolina Stock FAQ
Company
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