Peoples Bancorp of North Carolina, Inc. (PEBK)
Valuation Overview•Is Peoples Bancorp of North Carolina, Inc. Overvalued or Undervalued?
Commands a premium valuation multiple over its peers, likely pricing in superior execution.
Moderate quality score of 63/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street sentiment is generally neutral. However, capital return yields remain modest, anchored by a strong, well-covered dividend yield.
PEBK demonstrates strong business quality with robust profitability and healthy margins. This is backed by a fortress balance sheet, holding significant net cash ($39M) and minimal debt risk.
The company maintains stable top-line performance paired with stable bottom-line earnings. The company maintains healthy operational efficiency with a 23.9% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $27.3M | +17.2% | — | — | +8.4% | |
| EBITDA | $6.3M | — | +2.8% | — | — | |
| Net Income | $4.4M | +21.3% | +7.1% | — | +7.5% | |
| EPS (Diluted) | $0.80 | -1.3% | +1.0% | +8.6% | +6.5% | |
| Free Cash Flow | $4.6M | -0.1% | +3.4% | +24.5% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 76.4% | 76.3% | 83.8% | 88.7% |
| Operating Margin | 23.9% | 22.4% | 25.1% | 25.1% |
| Net Margin | 18.3% | 17.4% | 19.7% | 19.8% |
| FCF Margin | 17.9% | 20.7% | 25.8% | 22.7% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | — | $0.80 | — | ||
| Q1'26 | — | $0.65 | — | ||
| Q1'26 | — | $1.21 | — | ||
| Q4'25 | — | $0.67 | — | ||
| Q3'25 | — | $0.95 | — | ||
| Q2'25 | — | $0.79 | — | ||
| Q1'25 | — | $0.65 | — | ||
| Q4'24 | — | $0.72 | — |
Total return is +58.7% (1Y), outperforming the benchmark by +37.9%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +24.6% | +17.3% | — |
| 1Y | +58.7% | +37.9% | +3.5% |
| 3YCAGR | +37.9% | +18.6% | +16.0% |
| 5YCAGR | +14.2% | +2.8% | +18.3% |
| 10YCAGR | +11.2% | -2.4% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Peoples Bancorp of North Carolina, Inc. (PEBK) valuation, health, and returns.
Based on peer relative multiples, Peoples Bancorp of North Carolina, Inc. appears Expensive versus peers compared to industry peers.
Peoples Bancorp of North Carolina, Inc. has multiple valuation anchors: Peer Relative Fair Value: $32.75. A convergence of these signals offers higher conviction.
Peoples Bancorp of North Carolina, Inc. displays good financial health with a composite quality score of 63/100, supported by a Piotroski F-Score of 7/9, Return on Invested Capital (ROIC) of 11.9%.
Peoples Bancorp of North Carolina, Inc. pays a 1.8% dividend yield, covered by a 26% payout ratio with 1 years of growth, supplemented by a 0.0% buyback yield.
Peoples Bancorp of North Carolina, Inc.'s current growth trajectory is Accelerating. The company achieved +17.2% 1Y revenue growth and -1.3% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 0 analysts. The consensus price target represents a N/A change from current levels.
Investment risks for Peoples Bancorp of North Carolina, Inc. include: -12.9% 1-year max drawdown. Volatility risk is characterized by a beta of 0.68x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.