What is Peoples Bancorp of North Carolina, Inc.'s (PEBK) StockRank?

MoatMap's StockRank for Peoples Bancorp of North Carolina, Inc. (PEBK) is 75/100, with a Buy signal. This is a composite score combining Quality (58), Value (47), and Momentum (66) factor ranks across MoatMap's universe of 25,000+ stocks.

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 financial 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 75/100. 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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PEBK

BuyPremium Grower

Peoples Bancorp of North Carolina, Inc. · Financial Services · United States · $233M · Avg Vol: $2M/d

StockRank

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P/E (TTM)

12.1x

ROE

13.1%

D/E

0.1x

Dividend %

1.9%

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)

Year	2022	2023	2024	2025	CAGR	TTM
Revenue	67.4M	68.6M	71.1M	74.4M	3.4%	90.2M
EPS	2.94	2.87	3.08	3.74	8.4%	3.64
Shares	5.6M	5.4M	5.3M	5.3M	-5.8%	5.3M
Debt	20.6M	20.3M	19.6M	19.1M	-2.6%	18.7M
Equity	105.2M	121.0M	130.6M	157.1M	14.3%	—
Op CF	22.6M	22.8M	20.6M	21.4M	-1.9%	21.4M
Inv CF	-256.0M	-0.8M	-42.6M	-41.8M	—	—
Fin CF	27.5M	-11.2M	-1.0M	19.3M	—	—

Loading 1Y...

PRICE (1Y)+3.1%

SMA 50SMA 200

$44.34

RSI (14)

51.9

52W High

$45.56

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.2%*40.7

ROE

13.1%66.6

GP/Assets

5.3%N/A

Op. Margin

30.4%46.8

FCF/Assets

1.1%N/A

Piotroski

685.8

Int. Cover

—50.0

D/E Ratio

0.12xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

12.1x55.2

EV/EBITDA

bankN/A

P/FCF

12.0xN/A

P/B

1.5x38.5

P/S

2.6x66.5

Div Yield

1.9%23.2

Momentum

52W High %

97%87.5

RS 6M

5%63.4

SMA 50/200

1.09x69.6

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

1%28.0

FUNDAMENTALS

Market Cap

$233M

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.

Ticker	Company	Mkt Cap	StockRank	Signal
PEBK	Peoples Bancorp of North Carolina, Inc.(you)	$233M	75	Buy
NKSH	National Bankshares, Inc.	$261M	75	Buy
FRAF	Franklin Financial Services Corporation	$279M	75	Buy
ATLO	Ames National Corporation	$280M	74	Buy
FUNC	First United Corporation	$279M	74	Buy
FCAP	First Capital, Inc.	$209M	79	Buy
CMTV	Community Bancorp	$229M	70	Buy
OPBK	OP Bancorp	$226M	82	Strong Buy
CBNA	Chain Bridge Bancorp, Inc.	$300M	77	Buy
BVFL	BV Financial, Inc.	$181M	78	Buy

Peer medians: ROE 9.5% · P/E 13.1x · 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 75/100 based on Quality (58/100), Value (47/100), and Momentum (66/100) factor scores. The current signal is BUY.

Key Financial Metrics

Price	$44.34
Market Cap	$233M
P/E (TTM)	12.13
Price/Book	1.46
Return on Equity	13.1%
Debt/Equity	0.12x
Operating Margin	30.4%
Revenue Growth	1.4%
Dividend Yield	1.9%
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 75/100, with a Buy signal. It is a composite of Quality (58), Value (47), and Momentum (66) factor ranks across MoatMap’s universe of 25,000+ stocks.
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 75/100. 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).