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PEBK

BUY

Peoples Bancorp of North Carolina, Inc. · Financial Services · United States · $229M · Avg Vol: $2M/d

76
StockRank
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Q
58
V
50
M
63
P/E (TTM)
11.8x
ROE
13.4%
D/E
0.1x
Dividend %
2.3%
Dir. Trades · 180d
−$419.7K →
Buybacks · 180d
None →

COMPANY DESCRIPTION

Peoples Bancorp of North Carolina, Inc. is the holding company for Peoples Bank, a community bank serving Catawba and surrounding counties in North Carolina. The bank offers traditional retail and commercial banking services, competing through its local presence and relationship-based banking model. It focuses on serving the financial needs of individuals and small businesses in its target markets.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM
Revenue67.4M68.6M71.1M74.4M3.4%89.9M
EPS2.942.873.083.748.4%3.63
Shares5.6M5.4M5.3M5.3M-5.8%5.3M
Debt20.6M20.3M19.6M19.1M-2.6%18.9M
Equity105.2M121.0M130.6M157.1M14.3%—
Op CF22.6M22.8M20.6M21.4M-1.9%20.5M
Inv CF-256.0M-0.8M-42.6M-41.8M——
Fin CF27.5M-11.2M-1.0M19.3M——
Loading 1Y...
PRICE (1Y)-2.4%
41.6042.2942.9843.6844.37Jun 11Jul 6Jul 24
SMA 50SMA 200
Close
$43.02
RSI (14)
48.4
52W High
$45.78
From 52W High
0.9%

SCORE BREAKDOWN

Quality
58
ROIC (ROA)
1.2%*41.4
ROE
13.4%68.7
GP/Assets
5.3%N/A
Op. Margin
27.8%46.4
FCF/Assets
1.1%N/A
Piotroski
683.6
Int. Cover
—50.0
D/E Ratio
0.12xN/A
Current Ratio
bankN/A
Value
50
P/E (TTM)
11.8x60.3
EV/EBITDA
bankN/A
P/FCF
11.8xN/A
P/B
1.4x37.1
P/S
2.5x69.2
Div Yield
2.3%27.1
Momentum
63
52W High %
94%53.9
RS 6M
11%77.0
SMA 50/200
1.14x84.8
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
1%31.5

FUNDAMENTALS

Market Cap
$229M
P/E (Forward)
—
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PEBK are excluded.

TickerCompanyMkt CapStockRankSignal
PEBKPeoples Bancorp of North Carolina, Inc.(you)$229M76BUY
NKSHNational Bankshares, Inc.$233M76BUY
CFFIC&F Financial Corporation$254M77BUY
BPRNPrinceton Bancorp, Inc.$278M78BUY
CMTVCommunity Bancorp$227M82STRONG BUY
CBNAChain Bridge Bancorp, Inc.$277M74BUY
FUNCFirst United Corporation$288M79BUY
BVFLBV Financial, Inc.$177M78BUY
FXNCFirst National Corporation$269M72BUY
EBMTEagle Bancorp Montana, Inc.$186M80BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Peoples Bancorp of North Carolina, Inc. (PEBK) — Stock Score Summary

Peoples Bancorp of North Carolina, Inc. (PEBK) has a MoatMap StockRank of 76/100 based on Quality (58/100), Value (50/100), and Momentum (63/100) factor scores. The current signal is BUY.

Peoples Bancorp of North Carolina, Inc. is the holding company for Peoples Bank, a community bank serving Catawba and surrounding counties in North Carolina. The bank offers traditional retail and commercial banking services, competing through its local presence and relationship-based banking model. It focuses on serving the financial needs of individuals and small businesses in its target markets.

Key Financial Metrics

Price$43.02
Market Cap$229M
P/E (TTM)11.77
Price/Book1.44
Return on Equity13.4%
Debt/Equity0.12x
Operating Margin27.8%
Revenue Growth4.0%
Dividend Yield2.3%
Free Cash Flow$19M

Peoples Bancorp of North Carolina, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Peoples Bancorp of North Carolina, Inc.’s (PEBK) StockRank?
MoatMap’s StockRank for Peoples Bancorp of North Carolina, Inc. (PEBK) is 76/100, with a Buy signal. It is a composite of Quality (58), Value (50), and Momentum (63) factor ranks across MoatMap’s 20,000+ stock universe.
Does Peoples Bancorp of North Carolina, Inc. have an economic moat?
Peoples Bancorp of North Carolina, Inc. (PEBK) has a Quality factor score of 58/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Peoples Bancorp of North Carolina, Inc. a buy, hold, or sell?
MoatMap’s current signal for Peoples Bancorp of North Carolina, Inc. (PEBK) is Buy, based on a StockRank of 76/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Peoples Bancorp of North Carolina, Inc. in?
Peoples Bancorp of North Carolina, Inc. (PEBK) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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