PEBK
NEUTRAL
$41.92
Live
Peoples Bancorp of North Carolina, Inc. · NASDAQ
$25.66
52W Range
$42.63
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 21, 2026
Market cap
$222.65M
P/E
11.55
ROE
13.8%
Profit margin
22.3%
Debt/Equity
N/A
Dividend yield
1.99%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
PEBK presents a complex profile with a stable Piotroski F-Score of 4/9 and a current price ($41.92) trading below its Graham Number ($49.16), suggesting a value-based entry point. While the company shows strong historical price performance and a healthy ROE of 13.79%, these are heavily offset by a catastrophic recent YoY EPS decline of 580% and a poor earnings surprise track record. The divergence between the high intrinsic value estimate and the bearish insider sentiment suggests a potential peak in price despite the low P/E ratio. Overall, the stock is fundamentally undervalued but currently faces severe earnings volatility and negative internal sentiment.
Key Strengths
Trading below Graham Number ($49.16) and significantly below Intrinsic Value ($107.08)
Low P/E ratio (11.55) compared to the sector average (42.93)
Strong ROE of 13.79%, significantly outperforming the sector average
Very sustainable dividend payout ratio of 22.10%
Strong 1-year price appreciation of 67.5%
Key Risks
Severe recent earnings collapse with YoY EPS growth at -580%
Consistent insider selling (9 sell transactions, 0 buys) over the last 6 months
Poor earnings predictability with only 1 of the last 4 quarters beating estimates
Technical trend score is extremely low (10/100), suggesting a potential trend reversal
Small market capitalization ($0.22B) increases volatility and liquidity risk
AI Fair Value Estimate
Based on comprehensive analysis
$52.4
+25.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
57
Moderate
85
20
70
50
60
AI Verdict
Value Trap Risk
Key drivers: Low valuation metrics, Catastrophic recent EPS growth, Bearish insider activity, Stable but not strong financial health
Confidence
80%
Value
85/100
Ref P/E 11.55, Graham Number $49.16
Positives
- P/E is well below sector average
- Price is below Graham Number
Watchpoints
- Price/Book of 1.42 is moderate
Future
20/100
Ref Growth rates
Positives
- Historical revenue growth of 16.9%
Watchpoints
- YoY EPS growth of -580%
- Recent Q/Q EPS growth of -41.2%
Past
70/100
Ref Historical trends
Positives
- Strong 5Y change (+110.8%)
- Strong 1Y change (+67.5%)
Watchpoints
- Poor recent earnings surprise average (-741.62%)
Health
50/100
Ref Piotroski F-Score 4/9
Positives
- Piotroski F-Score of 4/9 indicates stability
Watchpoints
- Lack of Altman Z-Score data for definitive distress analysis
Dividend
60/100
Ref Yield 1.99%, Payout 22.10%
Positives
- Low payout ratio (22.10%) ensures safety
Watchpoints
- Low dividend yield (1.99%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$41.92
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for PEBK and closest competitors.
Updated 2026-04-20
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
PEBK
Peoples Bancorp of North Carolina, Inc.
Primary
|
+110.8% | +57.0% | +67.5% | +41.6% | +12.8% | +0.3% |
|
KINS
Kingstone Companies, Inc.
Peer
|
+94.8% | +1089.7% | -7.4% | +5.8% | -0.3% | +3.7% |
|
HRZN
Horizon Technology Finance Corporation
Peer
|
-48.2% | -39.6% | -32.4% | -15.3% | +8.2% | +5.6% |
|
ATLO
Ames National Corporation
Peer
|
+26.8% | +16.5% | +43.4% | +34.4% | +5.2% | +3.1% |
|
OVBC
Ohio Valley Banc Corp.
Peer
|
+135.3% | +113.3% | +58.0% | +26.9% | +9.2% | +1.0% |
PEB
Peoples Bancorp of North Carolina, Inc.
Primary
5Y
+110.8%
3Y
+57.0%
1Y
+67.5%
6M
+41.6%
1M
+12.8%
1W
+0.3%
KIN
Kingstone Companies, Inc.
Peer
5Y
+94.8%
3Y
+1089.7%
1Y
-7.4%
6M
+5.8%
1M
-0.3%
1W
+3.7%
HRZ
Horizon Technology Finance Corporation
Peer
5Y
-48.2%
3Y
-39.6%
1Y
-32.4%
6M
-15.3%
1M
+8.2%
1W
+5.6%
ATL
Ames National Corporation
Peer
5Y
+26.8%
3Y
+16.5%
1Y
+43.4%
6M
+34.4%
1M
+5.2%
1W
+3.1%
OVB
Ohio Valley Banc Corp.
Peer
5Y
+135.3%
3Y
+113.3%
1Y
+58.0%
6M
+26.9%
1M
+9.2%
1W
+1.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
11.55
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
1.42
P/S Ratio
2.5
EV/Revenue
2.08
EV/EBITDA
N/A
Market Cap
$222.65M
Profitability
Profit margins and return metrics
Profit Margin
22.27%
Operating Margin
36.09%
Gross Margin
N/A
ROE
13.79%
ROA
1.18%
Growth
Revenue and earnings growth rates
Revenue Growth
+16.9%
Earnings Growth
+84.9%
Q/Q Revenue Growth
+5.27%
Q/Q Earnings Growth
+86.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$10.94
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
34.7%
Total Assets
$1.7B
Liabilities
$1.5B
Equity
$0.2B
Debt/Equity
9.83x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
96%
Quarterly Earnings History
EPS performance vs analyst estimates
2011-01-31
$-0.24
-2700.2% surprise
2010-11-04
$-0.17
-337.5% surprise
2010-07-26
$0.05
-28.8% surprise
2010-04-21
$0.11
+100.0% surprise
Financial Services Sector Comparison
Comparing PEBK against 579 companies in the Financial Services sector
(106 bullish, 239 neutral, 234 bearish)
P/E Ratio
11.55
This Stock
vs
41.68
Sector Avg
-72.3%
(Discount)
Return on Equity (ROE)
13.79%
This Stock
vs
-0.24%
Sector Avg
-5774.2%
(Below Avg)
Profit Margin
22.27%
This Stock
vs
47.47%
Sector Avg
-53.1%
(Weaker)
Revenue Growth
16.9%
This Stock
vs
39.3%
Sector Avg
-57.0%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
PEBK
Peoples Bancorp of North...
|
NEUTRAL | $222.65M | 11.55 | 13.8% | 22.3% | $41.92 | |
|
KINS
Kingstone Companies, Inc.
|
BULLISH | $218.31M | 5.24 | 43.0% | 19.1% | $15.08 | Compare |
|
HRZN
Horizon Technology Finance...
|
BEARISH | $216.08M | - | -0.8% | -2.8% | $4.52 | Compare |
|
ATLO
Ames National Corporation
|
NEUTRAL | $215.81M | 13.56 | 8.3% | 26.5% | $24.27 | Compare |
|
OVBC
Ohio Valley Banc Corp.
|
NEUTRAL | $215.34M | 13.81 | 9.7% | 24.5% | $45.71 | Compare |
PEBK
Peoples Bancorp...
NEUTRAL
Mkt Cap
$223M
P/E
11.5
ROE
13.8%
Price
$41.92
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-03 | ABERNETHY JAMES S | Director | Sale | 477 | $17,935 |
| 2026-02-27 | ABERNETHY JAMES S | Director | Gift | 500 | $19,455 |
| 2026-02-27 | ABERNETHY JAMES S | Director | Sale | 523 | $20,350 |
| 2026-02-24 | ABERNETHY JAMES S | Director | Sale | 600 | $22,896 |
| 2026-02-09 | ABERNETHY JAMES S | Director | Sale | 1,000 | $38,340 |
| 2026-02-04 | ABERNETHY JAMES S | Director | Sale | 600 | $22,362 |
| 2026-01-20 | HOOPER JEFFREY N. | Chief Financial Officer | Option Exercise | 1,430 | $51,552 |
| 2026-01-20 | TURNER TIMOTHY PAUL | Officer | Option Exercise | 397 | $14,312 |
| 2026-01-20 | SHINN CAROL S | Chief Operating Officer | Option Exercise | 526 | $18,962 |
| 2025-12-22 | HOOPER JEFFREY N. | Chief Financial Officer | Stock Award | 7 | $239 |
| 2025-12-22 | TURNER TIMOTHY PAUL | Officer | Stock Award | 30 | $1,024 |
| 2025-12-22 | CABLE WILLIAM D SR | Chief Executive Officer | Stock Award | 121 | $4,131 |
| 2025-12-22 | ZACHARY BENJAMIN I | Director | Stock Award | 121 | $4,131 |
| 2025-12-22 | SHINN CAROL S | Chief Operating Officer | Stock Award | 15 | $512 |
| 2025-12-02 | ABERNETHY JAMES S | Director | Sale | 300 | $9,705 |
ABERNETHY JAMES S
Director
2026-03-03
477 shares
·
$17,935
ABERNETHY JAMES S
Director
2026-02-27
500 shares
·
$19,455
ABERNETHY JAMES S
Director
2026-02-27
523 shares
·
$20,350
ABERNETHY JAMES S
Director
2026-02-24
600 shares
·
$22,896
ABERNETHY JAMES S
Director
2026-02-09
1,000 shares
·
$38,340
ABERNETHY JAMES S
Director
2026-02-04
600 shares
·
$22,362
HOOPER JEFFREY N.
Chief Financial Officer
2026-01-20
1,430 shares
·
$51,552
TURNER TIMOTHY PAUL
Officer
2026-01-20
397 shares
·
$14,312
SHINN CAROL S
Chief Operating Officer
2026-01-20
526 shares
·
$18,962
HOOPER JEFFREY N.
Chief Financial Officer
2025-12-22
7 shares
·
$239
TURNER TIMOTHY PAUL
Officer
2025-12-22
30 shares
·
$1,024
CABLE WILLIAM D SR
Chief Executive Officer
2025-12-22
121 shares
·
$4,131
ZACHARY BENJAMIN I
Director
2025-12-22
121 shares
·
$4,131
SHINN CAROL S
Chief Operating Officer
2025-12-22
15 shares
·
$512
ABERNETHY JAMES S
Director
2025-12-02
300 shares
·
$9,705
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
10-K
PEBK filed its annual 10-K on March 11, 2026, which includes standard disclosures regarding its business operations, risk factors, and financial condition. While specific financial metrics were not provided in the excerpt, the filing contains detailed management discussion and analysis and audited financial statements.
8-K
10-Q
10-Q
8-K/A
10-Q
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Past News Coverage
Recent headlines mentioning PEBK from our newsroom.
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