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Screener Weekly Summary Pricing

Peoples Bancorp of North Carolina, Inc. (PEBK) vs Richmond Mutual Bancorporation, Inc. (RMBI)

Peoples Bancorp of North Carolina, Inc. and Richmond Mutual Bancorporation, Inc. are both Banks Regional companies. Peoples Bancorp of North Carolina, Inc. and Richmond Mutual Bancorporation, Inc. are of similar size ($255.2M and $237.6M). Peoples Bancorp of North Carolina, Inc. trades at the lower P/E: 11.5× against 12.3×. Peoples Bancorp of North Carolina, Inc. grew revenue faster over the last twelve months: 5.26% against 5.17%. Peoples Bancorp of North Carolina, Inc. has the higher net margin (17.3% vs 13.0%) and the higher return on invested capital (14.0% vs 9.16%). Both pay a dividend; Richmond Mutual Bancorporation, Inc. yields more (5.47% vs 2.94%). Across the 20 metrics below, Peoples Bancorp of North Carolina, Inc. leads on 10 and Richmond Mutual Bancorporation, Inc. on 10.

Valuation

Metric PEBK RMBI Banks Regional median
P/E 11.50 12.31 12.15
P/S 1.99 1.60 2.37
P/B 1.43 1.00 1.21
Price to free cash flow 11.47 10.90 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.60 1.19 2.27
Earnings yield 8.70% 8.13% 8.11%
Free cash flow yield 8.72% 9.18% 8.98%

Profitability

Metric PEBK RMBI Banks Regional median
Gross margin 79.44% 56.30% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.25% 13.00% 18.66%
Free cash flow margin 17.33% 14.68% 21.18%
Return on equity 13.07% 8.57% 10.64%
Return on assets 1.15% 0.79% 1.13%
Return on invested capital 13.98% 9.16% 8.33%

Growth

Metric PEBK RMBI Banks Regional median
Revenue growth (TTM) 5.26% 5.17% 6.61%
EPS growth (last fiscal year) 21.48% 27.17% —
Revenue growth, 5-year CAGR 10.09% 12.87% 12.30%
Net income growth, 5-year CAGR 11.79% 2.94% 9.71%

Health

Metric PEBK RMBI Banks Regional median
Debt to equity 0.10 0.00 0.22
Current ratio 0.86 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PEBK RMBI Banks Regional median
Dividend yield 2.94% 5.47% 3.75%
Payout ratio 0.24 0.43 0.27

Size

Metric PEBK RMBI Banks Regional median
Market cap 237.63m 255.24m 921.07m

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