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Peoples Bancorp of North Carolina, Inc.(PEBK)Earnings, Financials & Key Ratios
PEBK•NASDAQ•Banking & Credit
$43.01
14.6× P/E·Price updated Jun 27, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutPeoples 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.Show more
- Net Interest Income$59M+9.1%
- Total Revenue$115M+17.2%
- Net Income$20M+21.3%
- Return on Equity13.79%+6.0%
- Net Interest Margin3.47%+5.9%
- Efficiency Ratio55.16%+6.8%
- ROA1.18%+18.9%
- Equity / Assets9.23%+16.8%
- Book Value per Share23.28-2.1%
PEBK Price & Volume
Peoples Bancorp of North Carolina, Inc. (PEBK) stock price & volume — 10-year historical chart
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Disciplined Niche Lending Supports Stable Capital Base
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial Position:Healthy
Cash Flow:Stable
Primary Risk:Regional real estate concentration
"Peoples Bancorp of North Carolina maintains a stable $1.7 billion asset base by leveraging specialized lending niches, such as ITIN mortgages, to navigate competitive regional pressures. While the bank demonstrates consistent internal capital generation with an OCF/NI ratio averaging above 1.0, investors should monitor the persistent efficiency ratio, which has fluctuated between 49.4% and 56.2%, as it reflects significant operational overhead. The bank's conservative credit culture and active securities rotation strategy appear to provide a defensive buffer, though reliance on transactional fee income remains a potential volatility risk."
Verdict Logic
while the bank maintains a healthy balance sheet with an equity-to-assets ratio of 0.09, the forward P/E of 132.34 suggests that current valuation levels may already account for near-term growth expectations.
PEBK Growth Metrics
Peoples Bancorp of North Carolina, Inc. (PEBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.43%
5 Years12.15%
3 Years17.46%
TTM-
Profit CAGR
10 Years7.49%
5 Years11.79%
3 Years7.14%
TTM18.7%
EPS CAGR
10 Years6.54%
5 Years8.56%
3 Years1.04%
TTM-3.28%
Return on Capital
10 Years11.64%
5 Years13.44%
3 Years13.78%
Last Year14.36%
PEBK Recent Earnings
Peoples Bancorp of North Carolina, Inc. (PEBK) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 20, 2026Metric
Actual
Est
EPS
$0.80
—
Rev
$27M
—
Q1 2026
Feb 11, 2026Metric
Actual
Est
EPS
$0.65
—
Rev
$31M
—
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$1.21
—
Rev
$31M
—
Q4 2025
Oct 20, 2025Metric
Actual
Est
EPS
$0.67
—
Rev
$25M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 20, 2026 | $0.80 | $27M |
| Q1 2026 | Feb 11, 2026 | $0.65 | $31M |
| Q1 2026 | Jan 26, 2026 | $1.21 | $31M |
| Q4 2025 | Oct 20, 2025 | $0.67 | $25M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Peoples Bancorp of North Carolina, Inc. (PEBK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $43.01 | $234.9M | 14.63 | 17.18% | 17.3% | 13.79% | 1.81% | |
| $63.53 | $2.63B | 23.71 | 2.32% | 21.81% | 7.47% | — | |
| $33.75 | $634.33M | 13.66 | 2.63% | 14.27% | 9.68% | — | |
| $23.54 | $227.02M | 16.12 | -9.41% | 16.49% | 8% | — | |
| $44.40 | $1.24B | 14.05 | 3.58% | 18.28% | 10.19% | — | |
| $49.59 | $2.58B | 14.89 | 10.36% | 19.66% | 9.83% | — |
Compare PEBK vs Peers
Peoples Bancorp of North Carolina, Inc. (PEBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PEBK SEC Filings & Documents
Peoples Bancorp of North Carolina, Inc. (PEBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
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PEBK Frequently Asked Questions
Peoples Bancorp of North Carolina, Inc. (PEBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Peoples Bancorp of North Carolina, Inc. growing?
Peoples Bancorp of North Carolina, Inc. (PEBK) grew revenue by 17.2% over the past year. This is strong growth.
Is PEBK profitable?
Yes, Peoples Bancorp of North Carolina, Inc. (PEBK) is profitable, generating $19.9M in net income for fiscal year 2025 (17.3% net margin).
Dividend & Returns
Does PEBK pay dividends?
Yes, Peoples Bancorp of North Carolina, Inc. (PEBK) pays a dividend with a yield of 1.81%. This makes it attractive for income-focused investors.
What is PEBK's return on equity?
Peoples Bancorp of North Carolina, Inc. (PEBK) has a return on equity (ROE) of 13.8%. This is reasonable for most industries.
Industry Metrics
What is Peoples Bancorp of North Carolina, Inc.'s net interest margin?
Peoples Bancorp of North Carolina, Inc. (PEBK) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
What is Peoples Bancorp of North Carolina, Inc.'s efficiency ratio?
Peoples Bancorp of North Carolina, Inc. (PEBK) has an efficiency ratio of 55.2%. This is reasonable for a bank.