Peoples Bancorp of North Carolina, Inc. PEBK

43.24 (0.27) (0.62%) as of 25 Sep
Market cap
$237.6M
P/E
11.5×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.02
Total sells 1.46
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — 1 —
Sell 1 2 1 — 4 1 2 2 2 4 3 3
Insider Ownership 11.09%

Capital & Financial Ratios

Market Cap 237.63
Revenue 115.70
Net Income 19.96
Free Cash Flow 20.05
Net Debt (45.41)
Current Ratio 0.86
Debt/Equity 0.10
P/E ratio 11.50
P/S ratio 1.99
P/B ratio 1.43
Past 5Y EPS Growth 4.82%
This Y EPS Growth —
Next Y EPS Growth —
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio 0.24
Annual Dividend Rate 0.75
Annual Dividend Yield 2.94%
total individual payouts
2026 0.63
0.17
0.21
0.21
0.21
2025 0.80
0.16
0.20
0.20
0.20
0.20
2024 0.76
0.16
0.19
0.19
0.19
0.19
2023 0.76
0.15
0.19
0.19
0.19
0.19
2022 0.72
0.15
0.18
0.18
0.18
0.18
2021 0.66
0.16
0.16
0.17
0.17
2020 0.60
0.15
0.15
0.15
0.15
0.15
2019 0.56
0.10
0.14
0.14
0.14
0.14
2018 0.52
0.13
0.13
0.13
0.13
2017 0.44
0.11
0.11
0.11
0.11
2016 0.35
0.07
0.09
0.09
0.09
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 82 59 58 61
Receivables — — — —
Inventory — — — —
Other — — — —
1,202 1,224 1,287 1,363
2023 2024 2025 Q'26
Payables 1,392 1,485 1,509 1,567
ST’ Debt — — — —
Other — — — —
1,495 1,502 1,526 1,585
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 8.23% 10.09% 12.21%
Cash Flow 4.42% 18.46% (1.87%)
Earnings 7.49% 11.79% 7.14%
Book Value 4.13% 2.35% 14.31%

Revenue

Mar Jun Sep Dec Year
’26 27 29 — — —
’25 26 28 29 31 115
’24 26 28 28 27 108
’23 20 24 25 25 95
’22 18 19 21 22 81
’21 18 19 17 18 72
’20 17 17 19 18 71
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 5 6 — — —
’25 6 5 5 5 21
’24 4 7 5 5 21
’23 8 5 4 6 23
’22 7 2 8 5 23
’21 12 5 1 10 27
’20 2 4 2 1 9
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 5 6 — — —
’25 5 5 4 5 20
’24 4 7 5 5 20
’23 7 6 4 5 22
’22 7 1 5 5 18
’21 12 5 1 9 27
’20 1 3 1 1 7
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.80 0.96 — — —
’25 0.79 0.95 0.67 1.21 3.62
’24 0.72 0.89 0.72 0.65 2.98
’23 0.56 0.85 0.74 0.62 2.77
’22 0.61 0.57 0.93 0.74 2.85
’21 0.71 0.80 0.59 0.53 2.63
’20 0.40 0.44 0.78 0.33 1.95
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
16.62 19.65 20.03 22.09 13.30 19.71 24.42 16.35 23.74 23.74

Analyst estimates 2026–2028

Powerpack
Low Price
24.45 36.12 33.49 34.32 33.18 29.69 32.56 34.88 33.31 38.46
High Price
331 335 345 337 317 311 300 292 294 276
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
56 57 62 67 71 72 81 95 108 115
Revenue
94.16% 95.85% 96.51% 94.42% 94.59% 95.55% 95.90% 81.91% 75.42% 78.53%
Gross Margin
12 14 16 17 14 19 20 20 21 26
EBT
20.94% 24.80% 26.02% 25.55% 19.54% 26.25% 25.02% 21.02% 19.30% 22.56%
EBT Margin
9 10 13 14 11 15 16 16 16 20
Net Income
5 5 5 4 4 6 6 3 3 3
Depreciation
9.30 9.57 10.26 11.61 12.53 12.93 14.80 17.47 20.46 21.60
Revenue/Sh
1.53 1.71 2.23 2.37 1.95 2.71 2.94 2.87 3.08 3.74
Earnings/Sh
2.03 3.11 2.87 2.28 1.62 4.82 4.13 4.20 3.88 4.03
Cash Flow/Sh
(0.09) (0.92) (0.02) (0.46) (0.44) 0.03 (0.83) (0.09) (0.11) (0.19)
Capex/Sh
1.94 2.18 2.85 1.82 1.18 4.86 3.29 4.11 3.77 3.83
Free CF/Sh
17.83 19.37 20.62 23.12 24.73 25.53 19.20 22.31 24.63 29.62
Book Value/Sh
6 6 6 6 6 6 5 5 5 5
Shares
15.99 17.74 10.97 13.86 11.81 10.26 11.01 10.70 10.15 9.68
PE Ratio
2.62 3.20 2.38 2.83 1.84 2.13 2.19 1.75 1.53 1.68
PS Ratio
1.37 1.58 1.19 1.42 0.93 1.08 1.69 1.37 1.27 1.22
PB Ratio
2.10 2.56 2.01 2.28 (0.22) (1.50) 1.49 1.05 1.12 1.30
EV/Sales
10.04 11.21 7.25 14.57 (2.38) (4.00) 6.71 4.45 6.10 7.34
EV/FCF
12 19 17 13 9 27 23 23 21 21
Op' Cash Flow
(1) (6) 0 (3) (2) 0 (5) 0 (1) (1)
Capex
12 13 17 11 7 27 18 22 20 20
FCF
(136) (130) (89) (85) (130) (286) (363) (293) (277) (239)
Working Cap'
41 21 21 16 15 15 15 15 15 15
Total Debt
(29) (37) (23) (37) (146) (262) (56) (67) (44) (43)
Net Debt
107 116 124 134 140 142 105 121 131 157
Sh' Equity
0.86% 0.94% 1.22% 1.25% 0.88% 1.00% 0.99% 0.95% 0.99% 1.18%
ROA
9.41% 11.20% 9.92% 11.04% 0.00% 0.00% 25.85% 23.01% 15.08% 14.11%
ROIC
8.65% 9.19% 11.17% 10.92% 8.29% 10.72% 13.03% 13.74% 13.00% 13.79%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Peoples Bancorp of North Carolina, Inc. peers in Banks Regional

All 325 Banks Regional stocks →

Peoples Bancorp of North Carolina, Inc. (PEBK) key facts

  • Peoples Bancorp of North Carolina, Inc. (PEBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Peoples Bancorp of North Carolina, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $114.6 million, up 5.67% from fiscal 2024.
  • Net income was $19.8 million, or $3.74 per share (basic), a net margin of 17.3%.
  • As of September 25, 2026, PEBK traded at $43.24, a market capitalization of $237.6 million.
  • At that price the stock trades at 11.5× trailing-twelve-month earnings and 2.0× sales.
  • Peoples Bancorp of North Carolina, Inc. pays an annual dividend of $0.75 per share, a yield of 2.94%, with a payout ratio of 24.0%.
  • Return on equity was 13.8% and debt-to-equity 0.10.

Source: company filings (standardised) and stockrow calculations.

Peoples Bancorp of North Carolina, Inc. (PEBK) Latest News

News by impact score

Fine-tune

20 Jul

3

Peoples Bancorp of North Carolina, Inc. announced its second quarter 2026 financial results. Quarterly earnings releases deliver core financial data that can shift near-term stock valuation and sentiment.

23 Apr

3

Peoples Bancorp of North Carolina, Inc. (PEBK) stock declined after Q1 earnings release, despite net interest margin rising. Q1 earnings triggered stock decline despite NIM improvement, moderately affecting financial performance and market sentiment.

20 Apr

4

Peoples Bancorp of North Carolina, Inc. (PEBK) announced first quarter 2026 results, highlighting key financial metrics and performance updates. Quarterly earnings releases like Q1 2026 results directly impact PEBK's stock price, investor sentiment, and future trajectory through revealed financial health.

7 Feb

4

Peoples Bancorp of North Carolina, Inc. (PEBK) has demonstrated strong earnings growth, surpassing expectations in a recent stock scan. The company's financial performance reflects a robust operational strategy and effective management, positioning it favorably in the market. Analysts highlight the potential for continued growth, driven by strategic initiatives and a solid market presence. Strong earnings growth and effective management strategies are likely to significantly impact the company's future performance and investor sentiment.

26 Jan

4

Peoples Bancorp of North Carolina, Inc. (PEBK) reported its financial results for the fourth quarter and full year of 2025, highlighting key metrics such as net income, earnings per share, and loan growth. The company experienced a year-over-year increase in total assets and deposits, reflecting strong operational performance. Management provided insights into strategic initiatives aimed at enhancing customer service and expanding market presence. The results indicate a positive trajectory for the bank, with expectations for continued growth in the upcoming year. The financial results and strategic initiatives outlined are likely to significantly impact the company's future performance and investor sentiment.

23 Jan

3

Peoples Bancorp of North Carolina, Inc. (PEBK) has announced a special cash dividend of $0.25 per share, payable on December 1, 2023, to shareholders of record as of November 15, 2023. This decision reflects the company's strong financial position and commitment to returning value to its shareholders. The dividend is part of the company's ongoing strategy to enhance shareholder returns. The special cash dividend indicates a solid financial position, which may positively influence investor sentiment and financial performance.

3

Peoples Bancorp of North Carolina, Inc. (PEBK) has experienced a 25.6% increase in stock value over the past six months, reflecting positive market sentiment and performance. Analysts suggest potential strategies for investors looking to capitalize on this growth, including evaluating the company's fundamentals and market conditions. The article emphasizes the importance of understanding the broader economic landscape and the bank's competitive positioning in making informed investment decisions. The stock's significant increase indicates a moderately noticeable influence on market sentiment and financial performance.

11 Jan

3

Institutional investors hold a significant 43% stake in Peoples Bancorp of North Carolina, Inc. (NASDAQ:PEBK), indicating strong institutional interest in the company. This level of ownership may influence the company's strategic decisions and market perception. The substantial institutional ownership may moderately influence market sentiment and operational aspects.

2 Jan

3

Peoples Bancorp of North Carolina, Inc. (PEBK) is compared to another bank, BOTJ, in terms of investment potential. The analysis covers financial performance, market positioning, and growth prospects of both banks. Key metrics such as earnings, dividends, and stock performance are evaluated to determine which stock may be a better addition to an investment portfolio. The article aims to guide investors in making informed decisions based on the comparative analysis of these two banking institutions. The comparative analysis of PEBK and BOTJ may moderately influence investor sentiment and market positioning.

1 Dec

3

Investing in Peoples Bancorp of North Carolina, Inc. (PEBK) five years ago would have resulted in a 51% gain, reflecting the company's solid performance and growth in the banking sector. The article highlights the positive trajectory of PEBK's stock, indicating a favorable investment opportunity over the past five years. Factors contributing to this growth include effective management strategies and a robust financial position, which have positioned the company well in a competitive market. The 51% gain over five years indicates a moderately noticeable influence on the company's financial performance and market sentiment.

21 Nov

3

Peoples Bancorp of North Carolina, Inc. (PEBK) has declared a cash dividend of $0.12 per share, payable on December 1, 2023, to shareholders of record as of November 15, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders and indicates a stable financial position. The dividend announcement suggests a stable financial performance, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.

24 Oct

4

Peoples Bancorp of North Carolina, Inc. reported strong Q3 earnings, driven by significant loan growth. The company's financial performance exceeded expectations, leading to a rise in stock value. This growth reflects effective management strategies and a positive outlook for future operations. Strong Q3 earnings and loan growth indicate a significant positive shift in financial performance and investor sentiment.

21 Oct

3

Peoples Bancorp of North Carolina, Inc. (PEBK) reported a dip in its net profit margin, which has raised concerns among investors regarding the company's financial health. This decline reinforces the narrative around the company's value proposition, suggesting potential challenges ahead. Analysts are closely monitoring the situation as it may influence market sentiment and the company's future performance. A decline in net profit margin may moderately influence financial performance and investor sentiment.

3

Peoples Bancorp of North Carolina, Inc. reported third quarter 2024 results with net earnings of $4.0 million, a decrease from the prior year. Net interest margin was 3.35% for the quarter. Year-to-date net earnings were $12.8 million, an increase from the prior year. Total loans and deposits increased, while non-performing assets remained stable. Non-interest income and expense increased, impacting overall earnings. The article discusses financial results and key metrics for the company, indicating a moderately noticeable influence on future performance.

20 Oct

4

Peoples Bancorp of North Carolina, Inc. (PEBK) reported its financial results for the third quarter of 2025, highlighting significant growth in net income and total assets. The bank's earnings per share increased compared to the previous quarter, driven by improved loan performance and a reduction in non-performing assets. Additionally, the company announced strategic initiatives aimed at enhancing customer service and expanding its market presence. Overall, the results reflect a positive trend in the bank's operational efficiency and financial health. The significant growth in net income and strategic initiatives indicate a likely positive shift in the company's trajectory and investor sentiment.

17 Oct

3

Zacks Investment Research has initiated coverage of Peoples Bancorp of North Carolina, Inc. (PEBK) with a neutral recommendation. The report highlights the bank's financial performance and market position, suggesting a cautious outlook for investors. Analysts will be monitoring the company's developments closely as it navigates the current economic landscape. The neutral recommendation indicates a moderately noticeable influence on market sentiment and investor decisions regarding PEBK.

22 Aug

3

Peoples Bancorp of North Carolina, Inc. (PEBK) has announced a cash dividend of $0.12 per share, payable on November 15, 2023, to shareholders of record as of November 1, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders and indicates a stable financial position. The cash dividend announcement suggests a stable financial performance, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.

3

Peoples Bancorp of North Carolina, Inc. (NASDAQ:PEBK) will pay a dividend of $0.19 per share on September 13th, with a payout ratio of 25% and potential for future growth. The article highlights the company's stable dividend history, sustainable payout ratio, and potential for future dividend growth.

21 Jul

4

Peoples Bancorp of North Carolina, Inc. (PEBK) reported its financial results for the second quarter of 2025, highlighting a significant increase in net income compared to the same period last year. The bank attributed this growth to improved loan performance and increased interest income. Additionally, the company announced plans for strategic investments aimed at enhancing customer service and expanding its market presence. Overall, the results reflect a positive trend in the bank's financial health and operational efficiency. The significant increase in net income and strategic investments indicate a major positive shift in the company's trajectory.

13 Jul

3

Peoples Bancorp of North Carolina, Inc. (NASDAQ:PEBK) has attracted institutional investors, with 45% ownership indicating sensitivity to their trading actions. A total of 17 investors control 50% of the company, while insiders have recently been selling shares. The largest shareholder is Wellington Management Group LLP with 9.5% ownership. Although institutional ownership suggests credibility, it can lead to rapid share price changes if multiple institutions alter their views. Insiders own a reasonable proportion of shares, valued at $24 million, indicating alignment with shareholders. The general public holds 36% of shares, while private companies own 4.1%. The company has one warning sign in its investment analysis. Institutional ownership and insider selling may moderately influence market sentiment and financial performance.

2 Jun

3

Peoples Bancorp of North Carolina, Inc. (NASDAQ:PEBK) has seen a 35% increase in share price over the last five years, which is below the market average. The stock has declined 9.4% in the past year, reflecting a cautious market sentiment with a low P/E ratio of 8.71. Despite this, the company achieved a compound EPS growth of 7.8% annually. Total shareholder return (TSR) over five years is 58%, largely due to dividends. Long-term shareholders have seen a 10% annual gain, suggesting potential opportunities amid current sell-offs, although there is one warning sign to consider. The company's moderate EPS growth and dividend returns indicate a balanced but limited impact on future performance.

22 Apr

3

Peoples Bancorp of North Carolina, Inc. reported first quarter 2025 earnings with earnings per share (EPS) of $0.82, an increase from $0.74 in the same quarter of 2024. This growth reflects the company's ongoing financial performance improvements. The increase in EPS indicates a moderately noticeable influence on financial performance.

21 Apr

4

Peoples Bancorp of North Carolina, Inc. (PEBK) reported its financial results for the first quarter of 2025, highlighting a notable increase in net income and improved asset quality. The bank's total assets grew, driven by strong loan demand and effective cost management strategies. Additionally, the company announced a dividend increase, reflecting its commitment to returning value to shareholders. Management expressed optimism about future growth prospects, citing a favorable economic environment and strategic initiatives aimed at enhancing operational efficiency. The significant increase in net income and asset growth, along with a dividend increase, indicates a strong financial position that could positively influence investor sentiment and future performance.

14 Mar

3

Peoples Bancorp of North Carolina, Inc. (NASDAQ:PEBK) reported its Full Year 2024 results, showing revenue of US$82.1 million, a 7.9% increase from FY 2023, and net income of US$16.4 million, up 5.2%. Earnings per share (EPS) rose to US$3.09 from US$2.87. The profit margin remained steady at 20%. However, the net interest margin decreased to 3.36%, and non-performing loans increased slightly to 0.39%. The banking operations segment contributed 87% of total revenue, with general and administrative costs being the largest expense. The share price has remained stable over the past week, but there is one identified warning sign regarding investment risk. The financial performance shows moderate growth, but the decline in net interest margin and increase in non-performing loans may limit future growth.

13 Mar

3

Peoples Bancorp of North Carolina, Inc. (PEBK) has announced the authorization of a stock repurchase plan, allowing the company to buy back up to 200,000 shares of its common stock. This initiative is aimed at enhancing shareholder value and reflects the company's confidence in its financial position. The repurchase program will be executed at management's discretion and is expected to be conducted over the next 12 months. The stock repurchase plan is expected to moderately influence investor sentiment and financial performance.

27 Feb

3

Peoples Bancorp of North Carolina, Inc. (NASDAQ:PEBK) is set to trade ex-dividend soon, with a dividend of US$0.20 per share payable on March 14. The company has a trailing yield of 3.4% based on a share price of US$26.88 and a conservative payout ratio of 25%. Earnings per share have grown by an average of 4.9% over the last five years, and dividends have increased by approximately 20% annually over the past decade. While the company reinvests more than half of its earnings, it shows promise as a dividend stock, though there is one warning sign to consider before investing. The company's steady earnings growth and conservative payout ratio indicate a moderately positive influence on its future performance.

13 Feb

3

Peoples Bancorp of North Carolina, Inc. (NASDAQ:PEBK) reported its Full Year 2024 financial results, showing revenue of US$82.1 million, a 7.9% increase from FY 2023, and net income of US$16.4 million, up 5.2%. The profit margin remained steady at 20%, while earnings per share (EPS) rose to US$3.08 from US$2.87 in FY 2023. Despite these positive results, PEBK shares have declined by 1.2% over the past week. The company has two identified warning signs that investors should be aware of. The financial results indicate moderate growth, but the share decline and warning signs suggest potential challenges ahead.

12 Feb

3

Peoples Bancorp of North Carolina, Inc. reported fourth quarter 2024 net earnings of $3.6 million, up from $3.4 million in the same period last year. For the full year, net earnings increased to $16.4 million from $15.5 million in 2023. The bank's net interest margin rose to 3.39% in Q4 2024, while total loans reached $1.14 billion, up from $1.09 billion a year earlier. Non-performing assets increased to $4.4 million, or 0.27% of total assets. The bank's total deposits grew to $1.48 billion, with core deposits at $1.34 billion. The provision for credit losses showed a recovery of $205,000 in Q4 2024, compared to an expense of $405,000 in Q4 2023. Overall, the bank experienced growth in earnings and deposits despite rising non-performing assets. Earnings growth and increased deposits indicate moderate positive influence on financial performance.

17 Jan

3

Peoples Bancorp of North Carolina, Inc. (PEBK) has declared a special cash dividend of $0.25 per share, payable on December 15, 2023, to shareholders of record as of December 1, 2023. This decision reflects the company's strong financial position and commitment to returning value to its shareholders. The dividend is expected to enhance shareholder returns and signal confidence in the company's ongoing performance. The special cash dividend indicates a solid financial position, which may positively influence investor sentiment and financial performance.

3 Oct

3

Peoples Bancorp of North Carolina (NASDAQ:PEBK) shareholders have lost 4.1% over the last five years despite improving earnings and revenue. The article highlights sustained growth in earnings and revenue, but the share price performance has been muted.

stockrow.com/PEBK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com