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Company Analysis

Peoples Bancorp of North Caroli PEBK

A comprehensive view of key metrics, scores, and financial health for Peoples Bancorp of North Caroli

Overview of Peoples Bancorp of North Carolina, Inc.

PEBK NGM
Financial Services Banks - Regional Micro Cap
Peoples Bancorp of North Carolina, Inc. (PEBK), is a Micro Cap company, in the Banks - Regional industry, last closed at $39.74, about 29.0% overvalued vs fair value, +43.9% 1Y return, ranked 673/1037 in sector.
Metrics Rev Growth 61.1% ROE 13.8% Gross Margin 77.7%
$39.74
1.04%
As of April 28, 2026
Previous close • Vol 90d: 20.8%
52-Week Range
Market Cap
$217.00M
Enterprise Value
$204.74M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

Website https://peoplesbanknc.com
HQ Newton, NC
Fiscal year Dec 31

Next Events

Earnings Apr 20 Estimated

Fair Value Snapshot

Bear Base Bull
$16
$28
$53
Current: $39.74 -29% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$80.7M
12.3%%
Interest Expense
$24.6M
Net Interest Income
$54.1M
-1.2%%
Total Revenue
$114.6M
61.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
12.5%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$7.0M
43.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Peoples Bancorp of North Caroli's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
70
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
70
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing PEBK's balance between Growth (30.1%), Profitability (46.4%), and Safety (23.5%). Growth 30% Safety 23% Profitability 46%

Click axes to expand details. Marker shows current allocation.

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Growth

47th percentile vs peers
48
Key Signals
Asset Growth YoY 3.0% 44p NII Growth YoY -1.2% 36p EPS Growth YoY 7.6% 59p Equity Growth YoY 7.9% 58p
Strengths
  • Efficiency Ratio in top 20% of peers (55.2%, 83th percentile)
  • ROE in top 20% of peers (13.8%, 85th percentile)
  • Financial Leverage in top 20% of peers (13.07, 86th percentile)
Risks

No significant risks identified for this axis.

Profitability

73th percentile vs peers
74
Key Signals
Strengths
Risks
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Safety

37th percentile vs peers
37
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Peoples Bancorp of North Caroli.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$28.23
- - -
-29.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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