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Peoples Bancorp of North Carolina (PEBK)

Peoples Bancorp of North Carolina, Inc. is a bank holding company for Peoples Bank and its common stock is listed on NASDAQ under the symbol PEBK. Through its banking subsidiary, the company serves individuals and small to medium-sized businesses in the United States with a range of deposit products and lending services. Its loan activities include commercial real estate, commercial, construction and land development, single-family residential mortgage, and agricultural loans. The company also provides investment counseling, brokerage-related non-deposit investment products such as stocks, bonds, mutual funds, and tax-deferred annuities, along with real estate appraisal and brokerage services. In addition, it acts as a clearinghouse for appraisal services for community banks and manages real property and other assets obtained in the debt collection process. Founded in 1912, Peoples Bancorp of North Carolina is headquartered in Newton, North Carolina.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-PEBK
$38.03
-11.3% Downside
Fair
—
—
—
Good
—
—
0.84
2.4%
—
11.3x
1.4x
2.5x
227.4 M
—
7.6%
85.2%
-1.8
—
97.5%
Valuation • Fair Value

Peoples Bancorp of North Carolina (NASDAQ-PEBK) Fair Value by Valuation Model

Compare the primary fair value estimate for Peoples Bancorp of North Carolina (NASDAQ-PEBK) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$38.03

Estimated downside of 11.3% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$41.70

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$38.03

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Peoples Bancorp of North Carolina (NASDAQ-PEBK) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Peoples Bancorp of North Carolina (NASDAQ-PEBK)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

90.182 M

Current operating scale indicator.

Revenue Forecast

92.176 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Peoples Bancorp of North Carolina (NASDAQ-PEBK) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Peoples Bancorp of North Carolina (NASDAQ-PEBK)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.8

Lower score that deserves closer risk review.

FCF / Net Income

97.5%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Peoples Bancorp of North Carolina (NASDAQ-PEBK). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Peoples Bancorp of North Carolina (NASDAQ-PEBK)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

Not available

Days to Earnings

Not available

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

2.4%

Income yield reference.

Upcoming Dividend

0.84

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for Peoples Bancorp of North Carolina (NASDAQ-PEBK), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Peoples Bancorp of North Carolina (NASDAQ-PEBK) Stock Forecast & Technical Outlook

Review Peoples Bancorp of North Carolina (NASDAQ-PEBK) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Peoples Bancorp of North Carolina (NASDAQ-PEBK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Neutral

The 1-hour technical read for Peoples Bancorp of North Carolina (NASDAQ-PEBK) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Buy

The daily technical read for Peoples Bancorp of North Carolina (NASDAQ-PEBK) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Peoples Bancorp of North Carolina (NASDAQ-PEBK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Peoples Bancorp of North Carolina (NASDAQ-PEBK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Peoples Bancorp of North Carolina (NASDAQ-PEBK)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Peoples Bancorp of North Carolina (NASDAQ-PEBK) has a Hold consensus, with 0 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 1
Sell 0
FAQ • Fast Investor Answers

Peoples Bancorp of North Carolina (NASDAQ-PEBK) Stock FAQ

Quick answers about Peoples Bancorp of North Carolina (NASDAQ-PEBK) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$38.03
Estimated downside 11.3%
Valuation Rating
Overvalued
Estimated downside of 11.3%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Good
Current financial-health read

The current fair value estimate for Peoples Bancorp of North Carolina (NASDAQ-PEBK) is $38.03. This implies an estimated downside of 11.3% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 11.3% versus the current market price.

An analyst price target for Peoples Bancorp of North Carolina (NASDAQ-PEBK) is not currently available in the latest data file.

The current financial health read for Peoples Bancorp of North Carolina (NASDAQ-PEBK) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

Based on the current data, dividend yield is 2.4%, upcoming dividend amount is 0.84.

The current P/E ratio listed for Peoples Bancorp of North Carolina (NASDAQ-PEBK) is 11.3x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Peoples Bancorp of North Carolina is 227.4 M.

The ticker symbol for Peoples Bancorp of North Carolina is NASDAQ-PEBK, and the stock is listed on NASDAQ.

Peoples Bancorp of North Carolina (NASDAQ-PEBK) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Peoples Bancorp of North Carolina is 7.6%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Peoples Bancorp of North Carolina is 85.2%. Free float helps investors understand how much of the share base is available for public trading.

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