Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

PEBK stock hub

Peoples Bancorp of North Carolina, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

219.3M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

PEBK

In the news

Latest news · PEBK

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 8.8P50 10.4P75 13.1

Trailing P/E11.4

P25 10.9P50 14.7P75 36.2

ROE13.4

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All PEBK market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

199

Groups with data

Currency

USD

Showing 199 of 199 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001093672
Company name	Peoples Bancorp of North Carolina, Inc.
Country	United States
Country code	US
Cusip	710577107
Employees	276
Employees Change	-18%
Employees Change Percent	-6.12
Enterprise value	$173.6M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US7105771072
Last refreshed	2026-05-10
Market cap	$219.3M
Market cap category	Micro-Cap
Price	$41.31
Price currency	USD
Rev Per Employee	325,605.07x
Sector	Financials
Sic	6022
Symbol	PEBK
Website	https://www.peoplesbanknc.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	9.06%
EV Earnings	8.73x
EV/Sales	1.93x
P/B ratio	1.39x
P/E ratio	11.38x
P/S ratio	2.44x
PE Ratio10 Y	11.62x
PE Ratio3 Y	9.11x
PE Ratio5 Y	9.81x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$89.9M
Net Income	$19.9M
Net Income Growth	18.7%
Net Income Growth Q	1.22%
Net Income Growth Quarters	1%
Net Income Growth Years	2%
Net Income Growth3 Y	7.87%
Net Income Growth5 Y	8.68%
Pretax Margin	28.78%
Profit Margin	22.12%
Profit Per Employee	$72,040
Profitable Years	29
ROA	1.16
Roa5y	1.02
ROE	13.41
Roe5y	12.86

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	12.29%
Cagr15y	16.63%
Cagr1y	49.19%
Cagr20y	7.26%
Cagr3y	27.6%
Cagr5y	15.82%
Div CAGR10	13.64%
Div CAGR3	3.65%
Div CAGR5	9.95%
EPS Growth	19.02
EPS Growth Q	1.27
EPS Growth Quarters	1
EPS Growth Years	2
EPS Growth3 Y	9.04
EPS Growth5 Y	9.93
Revenue Growth	8.23x
Revenue Growth Q	4x
Revenue Growth Quarters	8x
Revenue Growth Years	2x
Revenue Growth3 Y	5.56x
Revenue Growth5 Y	6.39x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$1.7B
Cash	$61.3M
Debt	$15.5M
Equity	$158.1M
Liabilities	$1.6B
Net Cash	$45.8M
Net Cash By Market Cap	$20.88
Net Cash Growth	-44.89%
Net Debt Equity	$-0.29
Tangible Book Value	$158.1M
Tangible Book Value Per Share	$29.78
WACC	5.5

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-1.5B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	0.08%
Dividend Growth	5.38%
Dividend Growth Years	4%
Dividend per share	$1.01
Dividend Years	42
Dividend Yield	2.44%
Ex Div Date	2026-03-04
Last Dividend	$0.21
Payout Frequency	Quarterly
Payout Ratio	27%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	218.76%
1Y total return	49.15%
200-day SMA	34.54
3Y total return	107.77%
50-day SMA	39.39
50-day SMA vs 200-day SMA	50over200
5Y total return	108.37%
All Time High	42.63
All Time High Change	-3.09%
All Time High Date	2026-04-17
All Time Low	2.58
All Time Low Change	1,502.4%
All Time Low Date	1987-04-03
ATR	1.04
Beta	0.3
Beta1y	0.71
Beta2y	0.77
Ch YTD	14.12
High	41.65
High52	42.63
High52 Date	2026-04-20
High52ch	-3.09%
Low	41.15
Low52	26.81
Low52 Date	2025-08-07
Low52ch	54.08%
Ma50ch	4.87%
Price vs 200-day SMA	19.61%
RSI	60.28
RSI Monthly	70.77
RSI Weekly	64.66
Sharpe ratio	1.37x
Sortino ratio	2.29
Total Return	2.52%
Tr YTD	15.27
Tr15y	904.45%
Tr1m	2.1%
Tr1w	2.81%
Tr3m	7.58%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	$26.6M
Operating margin	29.65

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	4,520,748%
Float Percent	85.14%
Shares Insiders	11.2%
Shares Institutions	44.66%
Shares Out	5,309,769
Shares Qo Q	0.29%
Shares Yo Y	-0.08%
Short Float	1.1%
Short Ratio	1.47
Short Shares	0.94

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	35,753.5x
Bv Per Share	29.78
Ch10y	142.1
Ch15y	608.9
Ch1m	2.1
Ch1w	2.81
Ch1y	44.74
Ch20y	149.9
Ch3m	6.99
Ch3y	87.6
Ch5y	77.14
Ch6m	39.33
Change	0.32%
Change From Open	0.39
Close	41.18
Days Gap	-0.07
Dollar Volume	964,712.4
Earnings Date	2026-04-20
Earnings Time	bmo
EPS	$3.63
F Score	2
Fiscal Year End	December
Founded	1,912
Graham Number	49.31762
Graham Upside	19.38
Income Tax	$6M
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-20
Last Report Date	2026-03-31
Last Split Date	2017-12-01
Last Split Type	Forward
Last10k Filing Date	2026-03-11
Lynch Fair Value	$31.53
Lynch Upside	-23.68
Ma150	35.93
Ma150ch	14.97%
Ma20	40.48
Ma20ch	2.04%
Next Earnings Date	2026-07-20
Open	41.15
Optionable	No
Payment Date	2026-03-16
Position In Range	32
Ppne	14,133,000
Price Date	2026-05-08
Ptbv Ratio	1.39
Relative Volume	0.65x
Revenue	89,867,000x
Tax By Revenue	6.66x
Tax Rate	23.13%
Tr20y	306.21%
Tr6m	41.62%
Us State	North Carolina
Volume	23,353

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

PEBK dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+2.4%

$1.01 annual per share

Payout ratio

+27.0%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+9.9%

4 consecutive years of growth

Total shareholder yield

+2.5%

Next ex-dividend date: 2026-03-04

Performance

PEBK stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns PEBK?

Insider, institutional, and short-interest positioning.

Institutional ownership

+44.7%

Float: +85.1% of shares outstanding

Insider ownership

+11.2%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

PEBK momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

60.3

Neutral momentum band

Price vs 200-day MA

+19.6%

50/200-day relationship not available

Beta (5Y)

0.30

Less volatile than the market

Sharpe ratio

1.37

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

PEBK vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Ridurre
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Ridurre
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Ridurre

Questions

About PEBK

Hub-level FAQ points readers to the deeper analysis pages.

What is the current PEBK stock rating?

Peoples Bancorp of North Carolina, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full PEBK analysis?

The full report lives at /stocks/PEBK/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for PEBK?

The latest report frames PEBK around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the PEBK page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.