Peoples Bancorp of North Caroli (PEBK) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Peoples Bancorp of North Caroli

NasdaqGM•Financial Services•Banks - Regional

$43.26-0.88(-0.02%)Pre-market

Market Cap

$234.16M

P/E

11.7x

P/S

2.0x

P/B

1.5x

Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses in the North Carolina, United States. The company offers deposit products. It also originates commercial real estate loans, commercial loans, construction and land development loans, single-family residential mortgage loans, as well as agricultural loans. In addition, the company provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. Further, it operates as a clearinghouse for the provision of appraisal services for community banks; and acquires, manages, and disposes of real property, other collateral, and other assets obtained in the ordinary course of collecting debts. The company was founded in 1912 and is headquartered in Newton, North Carolina.

How this company scores

GoodMetricSide Score: 79/100

Strongest: Profitability (23/25); weakest: Cash & Earnings Quality (18/25).

Profitability23/25

Growth20/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality18/25

Strengths

Strong marginsRising earningsLow leverageCash-backed earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.7x5y range 8.3x – 11347.8x

Currently below its 20-quarter median.

P/S · 2.0x5y range 1.3x – 2438.4x

Currently below its 20-quarter median.

P/B · 1.5x5y range 1.0x – 1690.1x

Price & Volume

Market Cap $234.16M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $115.70M
Q. Revenue: $28.67M
TTM EBITDA: $30.02M
TTM Op. Income: $25.93M
Q. Op. Income: $6.73M
TTM Net Income: $19.96M
Q. Net Income: $5.23M
EPS: $0.98
Shares Out.: $5.32M

$115.70M in TTM revenue grew 5.3% YoY, reaching $28.67M last quarter. TTM EBITDA of $30.02M and TTM operating income of $25.93M show growth is flowing through to the bottom line. TTM net income of $19.96M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 80.6%
EBITDA Margin: 25.7%
Op. Margin: 23.5%
Net Margin: 18.3%

Op. margin of 23.5% is up 0.0% YoY — cost efficiency is improving. Net margin at 18.3% and gross margin of 80.6% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 0% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.7x
P/S Ratio: 2.0x
P/B Ratio: 1.5x

At 11.7x P/E, the stock trades below typical market levels. P/S of 2.0x and P/B of 1.5x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.76B
Cash: $60.88M
Long-Term Debt: $15.46M
Book Value: $161.34M
D/E Ratio: 0.1
Debt/EBITDA: 2.1

With $1.76B in assets and $15.46M in long-term debt, D/E is 0.1and book value is $161.34M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $6.44M
TTM Free Cash Flow: $20.05M
FCF Margin: 17.3%
FCF / Net Income: 1.0

TTM FCF of $20.05M on $6.44M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 2% — an improving trend.