About PEBK Dividend Returns
Peoples Bancorp of North Carolina, Inc. (PEBK) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.
How We Calculate Total Return
Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.
Frequently Asked Questions
Q1What is the total return of PEBK over the past year?
Peoples Bancorp of North Carolina, Inc. (PEBK) delivered a total return of 58.75% over the past year when dividends are reinvested. The price-only return was 55.25%, meaning dividends contributed an additional 3.50 percentage points to total returns.
Q2How much would $10,000 invested in PEBK be worth today?
A $10,000 investment in Peoples Bancorp of North Carolina, Inc. one year ago would be worth $15,875 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $15,525. Dividend reinvestment added $350 to the portfolio value.
Q3Does PEBK pay dividends?
Yes, Peoples Bancorp of North Carolina, Inc. (PEBK) pays dividends. In the last year, PEBK paid approximately $0.78 per share in dividends (1.81% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.
Q4Did PEBK beat the S&P 500?
Yes, Peoples Bancorp of North Carolina, Inc. (PEBK) outperformed the S&P 500 by 37.91 percentage points over the past year. PEBK delivered a total return of 58.75%, compared to the S&P 500's 20.84%. This 37.91pp alpha means investors in PEBK earned more than a passive S&P 500 index fund.
Q5What is PEBK's worst drawdown?
Peoples Bancorp of North Carolina, Inc. (PEBK) experienced a maximum drawdown of -12.94% over the past year, declining from its peak on 2025-09-18 to its trough on 2025-10-16. The stock recovered to its prior peak by 2025-11-26. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.
Q6What is PEBK's long-term total return over 10, 20, or 30 years?
Here are Peoples Bancorp of North Carolina, Inc. (PEBK)'s long-term returns with dividends reinvested. Over 10 years, the total return is 190.2% (11.2% CAGR) — $10,000 would have grown to $29,017. Over 20 years: 254.2% total return (6.5% CAGR) — $10,000 → $35,415. Over 30 years: 793.6% total return (7.6% CAGR) — $10,000 → $89,357. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.
Q7What was PEBK's best and worst year?
Peoples Bancorp of North Carolina, Inc.'s best calendar year was 1997 with a total return of 65.1%. Its worst year was 2009 with a total return of -46.1%. This range shows the volatility investors should expect — the difference between the best and worst year is 111.2 percentage points.
Find the Best Total Return Stocks
Screen for dividend stocks with the strongest long-term returns, including DRIP compounding.
How much would $100/month in PEBK be worth today?
Dollar cost averaging calculator · DCA vs lump sum · see how regular investing compounds
PEBK outperformed the S&P 500 by 
FBNC
AMSF
CZWI
UVSP
NBTB
SRCE
FFIN
HFWA
CHMG
FUNC