Latest Ratios: P/E Ratio 14.7x · EV/EBITDA 6.9x · ROE 13.8%. (1996–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $237M | $244M | $172M | $174M | $184M | $159M | $134M | $196M | $147M | $186M | $139M |
| Enterprise Value | $198M | $205M | $132M | $198M | $181M | $-61649090 | $18M | $190M | $182M | $187M | $146M |
| P/E Ratio → | 14.75 | 12.31 | 10.49 | 11.17 | 11.42 | 10.49 | 11.81 | 13.92 | 11.02 | 18.16 | 15.19 |
| P/S Ratio | 2.07 | 2.13 | 1.75 | 2.02 | 2.61 | 2.48 | 2.08 | 3.08 | 2.56 | 3.47 | 2.65 |
| P/B Ratio | 1.86 | 1.55 | 1.31 | 1.43 | 1.75 | 1.11 | 0.96 | 1.46 | 1.19 | 1.60 | 1.30 |
| P/FCF | 11.86 | 12.24 | 8.59 | 8.33 | 10.21 | 6.00 | 20.09 | 18.90 | 9.53 | 14.27 | 13.12 |
| P/OCF | 11.08 | 11.43 | 8.34 | 7.62 | 8.14 | 5.90 | 14.63 | 14.84 | 8.56 | 10.01 | 11.39 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.79 | 1.35 | 2.31 | 2.56 | -0.97 | 0.27 | 3.00 | 3.17 | 3.49 | 2.78 |
| EV / EBITDA | 6.92 | 7.18 | 5.53 | 8.60 | 6.88 | -2.52 | 0.98 | 8.99 | 8.87 | 9.73 | 8.53 |
| EV / EBIT | 7.65 | 7.94 | 6.30 | 9.95 | 8.92 | -3.26 | 1.27 | 11.06 | 11.40 | 13.17 | 12.47 |
| EV / FCF | — | 10.28 | 6.60 | 9.51 | 10.03 | -2.33 | 2.64 | 18.36 | 11.81 | 14.35 | 13.77 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 77.7% | 77.7% | 73.0% | 78.2% | 93.2% | 96.8% | 87.5% | 92.7% | 94.9% | 96.5% | 96.1% |
| Operating Margin | 22.6% | 22.6% | 21.4% | 23.2% | 28.7% | 29.6% | 21.4% | 27.1% | 27.8% | 26.5% | 22.3% |
| Net Profit Margin | 17.3% | 17.3% | 16.7% | 18.1% | 22.8% | 23.7% | 17.6% | 22.2% | 23.3% | 19.2% | 17.4% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.8% | 13.8% | 13.0% | 13.7% | 13.0% | 10.7% | 8.3% | 10.9% | 11.2% | 9.2% | 8.6% |
| ROA | 1.2% | 1.2% | 1.0% | 1.0% | 1.0% | 1.0% | 0.9% | 1.3% | 1.2% | 0.9% | 0.9% |
| ROIC | 11.9% | 11.9% | 8.3% | 7.4% | 8.2% | 7.4% | 5.7% | 6.8% | 6.4% | 5.9% | 4.6% |
| ROCE | 14.4% | 14.4% | 12.9% | 14.1% | 14.1% | 11.8% | 8.9% | 11.6% | 11.4% | 10.0% | 7.4% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.12 | 0.12 | 0.15 | 0.88 | 0.65 | 0.40 | 0.32 | 0.32 | 0.64 | 0.50 | 0.72 |
| Debt / EBITDA | 0.67 | 0.67 | 0.82 | 4.64 | 2.60 | 2.34 | 2.50 | 2.05 | 3.83 | 3.04 | 4.49 |
| Net Debt / Equity | — | -0.25 | -0.30 | 0.20 | -0.03 | -1.55 | -0.83 | -0.04 | 0.29 | 0.01 | 0.06 |
| Net Debt / EBITDA | -1.37 | -1.37 | -1.67 | 1.07 | -0.12 | -8.99 | -6.46 | -0.26 | 1.72 | 0.06 | 0.41 |
| Debt / FCF | — | -1.96 | -1.99 | 1.18 | -0.18 | -8.34 | -17.46 | -0.54 | 2.29 | 0.08 | 0.65 |
| Interest Coverage | 1.05 | 1.05 | 0.79 | 1.16 | 6.11 | 5.91 | 3.61 | 4.58 | 7.46 | 5.98 | 3.59 |
Net cash position: cash ($58M) exceeds total debt ($19M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.18 | 0.18 | 0.20 | 0.32 | 0.37 | 0.48 | 0.34 | 0.26 | 0.27 | 0.31 | 0.35 |
| Quick Ratio | 0.18 | 0.18 | 0.20 | 0.32 | 0.37 | 0.48 | 0.34 | 0.26 | 0.27 | 0.31 | 0.35 |
| Cash Ratio | 0.04 | 0.04 | 0.04 | 0.06 | 0.05 | 0.19 | 0.13 | 0.05 | 0.05 | 0.06 | 0.07 |
| Asset Turnover | — | 0.07 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.8% | 2.1% | 2.9% | 2.9% | 2.7% | 2.4% | 3.3% | 2.0% | 2.1% | 1.4% | 1.5% |
| Payout Ratio | 26.5% | 26.5% | 30.9% | 32.9% | 30.6% | 25.1% | 38.7% | 28.0% | 23.4% | 25.7% | 22.9% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.8% | 8.1% | 9.5% | 9.0% | 8.8% | 9.5% | 8.5% | 7.2% | 9.1% | 5.5% | 6.6% |
| FCF Yield | 8.4% | 8.2% | 11.6% | 12.0% | 9.8% | 16.7% | 5.0% | 5.3% | 10.5% | 7.0% | 7.6% |
| Buyback Yield | 0.0% | 0.0% | 1.2% | 1.2% | 0.4% | 2.3% | 2.2% | 1.3% | 0.0% | 0.0% | 1.4% |
| Total Shareholder Yield | 1.8% | 2.1% | 4.1% | 4.1% | 3.1% | 4.7% | 5.5% | 3.3% | 2.1% | 1.4% | 2.9% |
| Shares Outstanding | — | $7M | $5M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M |
Regional real estate concentration
Based on recent market data, PEBK trades at a P/B of 1.85, which appears to command a premium relative to peers like Citizens Community, suggesting investors assign value to the bank's specialized ITIN lending niche and its proprietary appraisal clearing-house infrastructure over simple book value metrics.
The current P/B multiple indicates that the market views PEBK as a defensive franchise rather than a commodity balance sheet. This valuation implies an expectation of consistent, albeit moderate, returns on tangible equity that are insulated from broader regional banking volatility by the bank's unique service-based revenue streams.
As reported in quarterly financial statements, PEBK's ROE has remained in a narrow 2.5% to 4.3% range, indicating that profitability is primarily constrained by a high efficiency ratio and limited operating leverage inherent in its branch-heavy, community-focused business model across North Carolina.
The decomposition of profitability suggests that while the bank maintains a stable NIM, the lack of significant non-interest income scaling prevents a breakout in ROE. Investors should monitor whether the bank can improve asset utilization in its newer Raleigh and Charlotte offices to drive higher returns without sacrificing its conservative credit culture.
According to recent SEC filings, PEBK's efficiency ratio has fluctuated between 49.4% and 56.2%, reflecting the persistent fixed-cost burden of its 17-branch network and specialized subsidiary operations, which effectively caps the potential for significant operating leverage despite successful loan book repricing in a higher-rate environment.
The bank's NIM stability at approximately 0.9% suggests that its specialized lending niches provide a necessary buffer against industry-wide margin compression. However, the high efficiency ratio indicates that the bank's cost structure remains a primary headwind, requiring careful management of deposit betas to preserve profitability in competitive urban markets.
Based on reported figures, PEBK maintains an equity-to-assets ratio of approximately 0.09, which provides a stable capital foundation that appears sufficient to support current organic growth initiatives while maintaining a defensive posture against potential volatility in the regional real estate market.
This capital level suggests a disciplined approach to balance sheet management that prioritizes long-term stability over aggressive expansion. The bank's ability to generate sufficient internal capital to support its dividend policy without external equity financing indicates a healthy, self-sustaining capital structure that is well-aligned with its conservative risk profile.
The P/E ratio is frequently misapplied to PEBK, as it obscures the impact of lumpy non-interest income from the appraisal clearing-house and potential volatility in provision for credit losses, which can distort earnings and lead to an inaccurate assessment of the bank's core operational profitability.
Investors should prioritize P/TBV and ROE over P/E, as the latter fails to account for the bank's unique service-based revenue streams and conservative provisioning. Relying on P/E may lead to an undervaluation of the bank's structural advantages, particularly the scalability of its appraisal subsidiary and the resilience of its ITIN mortgage portfolio.
Includes 30+ ratios · 30 years · Updated daily
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Quick answers to the most common questions about buying PEBK stock.
Peoples Bancorp of North Carolina, Inc.'s current P/E ratio is 14.7x. The historical average is 17.9x. This places it at the 67th percentile of its historical range.
Peoples Bancorp of North Carolina, Inc.'s current EV/EBITDA is 6.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.6x.
Peoples Bancorp of North Carolina, Inc.'s return on equity (ROE) is 13.8%. The historical average is 9.7%.
Based on historical data, Peoples Bancorp of North Carolina, Inc. is trading at a P/E of 14.7x. This is at the 67th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Peoples Bancorp of North Carolina, Inc.'s current dividend yield is 1.79% with a payout ratio of 26.5%.
Peoples Bancorp of North Carolina, Inc. has 77.7% gross margin and 22.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Peoples Bancorp of North Carolina, Inc.'s Debt/EBITDA ratio is 0.7x, indicating low leverage. A ratio below 2x is generally considered financially healthy.