First Internet Bancorp (INBK) vs Peoples Bancorp of North Carolina, Inc. (PEBK)
First Internet Bancorp and Peoples Bancorp of North Carolina, Inc. are both Banks Regional companies. First Internet Bancorp and Peoples Bancorp of North Carolina, Inc. are of similar size ($237.6M and $227.4M). First Internet Bancorp has negative trailing earnings, so its P/E is not meaningful; Peoples Bancorp of North Carolina, Inc. trades at 11.5×. Peoples Bancorp of North Carolina, Inc. grew revenue faster over the last twelve months: 5.26% against −9.20%. Peoples Bancorp of North Carolina, Inc. has the higher net margin (17.3% vs −9.77%) and the higher return on invested capital (14.0% vs −9.59%). Both pay a dividend; Peoples Bancorp of North Carolina, Inc. yields more (2.94% vs 0.77%). Across the 19 metrics below, Peoples Bancorp of North Carolina, Inc. leads on 11 and First Internet Bancorp on 8.
Valuation
Profitability
| Metric | INBK | PEBK | Banks Regional median |
|---|---|---|---|
| Gross margin | 40.91% | 79.44% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (9.77%) | 17.25% | 18.66% |
| Free cash flow margin | 49.69% | 17.33% | 21.18% |
| Return on equity | (8.34%) | 13.07% | 10.64% |
| Return on assets | (0.54%) | 1.15% | 1.13% |
| Return on invested capital | (9.59%) | 13.98% | 8.33% |
Growth
Health
Dividend
Size
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