Stock Scorecard
Stock Summary for Peoples Bancorp Of North Carolina Inc (PEBK) - $42.06 as of 7/16/2026 5:51:06 AM EST
Total Score
20 out of 30
Safety Score
51 out of 100
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for PEBK
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for PEBK
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for PEBK
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for PEBK
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for PEBK (51 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for PEBK
Financial Details for PEBK
Company Overview |
|
|---|---|
| Ticker | PEBK |
| Company Name | Peoples Bancorp Of North Carolina Inc |
| Country | USA |
| Description | Peoples Bancorp of North Carolina, Inc. is a banking holding company for Peoples Bank that provides a variety of consumer and commercial banking products and services to individuals and small and medium-sized businesses. The company is headquartered in Newton, North Carolina. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | 7/20/2026 |
Stock Price History |
|
| Last Day Price | 42.06 |
| Price 4 Years Ago | 28.98 |
| Last Day Price Updated | 7/16/2026 5:51:06 AM EST |
| Last Day Volume | 10,845 |
| Average Daily Volume | 34,063 |
| 52-Week High | 45.78 |
| 52-Week Low | 26.08 |
| Last Price to 52 Week Low | 61.27% |
Valuation Measures |
|
| Trailing PE | 11.72 |
| Industry PE | 15.86 |
| Sector PE | 17.51 |
| 5-Year Average PE | 18.69 |
| Free Cash Flow Ratio | 7.01 |
| Industry Free Cash Flow Ratio | 11.43 |
| Sector Free Cash Flow Ratio | 23.19 |
| Current Ratio Most Recent Quarter | 57.95 |
| Total Cash Per Share | 6.00 |
| Book Value Per Share Most Recent Quarter | 29.78 |
| Price to Book Ratio | 1.43 |
| Industry Price to Book Ratio | 1.30 |
| Sector Price to Book Ratio | 1.96 |
| Price to Sales Ratio Twelve Trailing Months | 2.48 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.57 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.33 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 5,309,800 |
| Market Capitalization | 223,330,188 |
| Institutional Ownership | 44.61% |
Dividends |
|
| Ex-Dividend Date | 6/3/2026 |
| Previous Dividend Amount | 0.2100 |
| Current Dividend Amount | 0.2100 |
| Total Years Dividend Increasing | 1 |
| Trailing Annual Dividend Rate | 0.79 |
| Trailing Annual Dividend Yield | 1.88% |
| Forward Annual Dividend Rate | 0.84 |
| Forward Annual Dividend Yield | 2.00% |
| 5-Year Dividend Payments Count | 25 |
| 3-Year Average Dividend Yield | 2.24% |
| 5-Year Average Dividend Yield | 2.48% |
| 1-Year Dividend Growth Rate Percentage | 5.00% |
| 3-Year Dividend Growth Rate Percentage | 2.47% |
| 5-Year Dividend Growth Rate Percentage | 3.93% |
| All-Time Dividend Growth Rate Percentage | 6.28% |
| Dividend Payout Ratio | 22.07% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 1.30% |
| Annual Earnings Growth | 21.26% |
| Reported EPS 12 Trailing Months | 3.58 |
| Reported EPS Past Year | 0.80 |
| Reported EPS Prior Year | 3.63 |
| Net Income Twelve Trailing Months | 19,883,000 |
| Net Income Past Year | 19,830,000 |
| Net Income Prior Year | 16,353,000 |
| Quarterly Revenue Growth YOY | 4.00% |
| 5-Year Revenue Growth | 12.15% |
| Operating Margin Twelve Trailing Months | 27.80% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 31,870,000 |
| Total Cash Past Year | 58,105,000 |
| Total Cash Prior Year | 59,266,000 |
| Net Cash Position Most Recent Quarter | 16,406,000 |
| Net Cash Position Past Year | 42,641,000 |
| Long Term Debt Past Year | 15,464,000 |
| Long Term Debt Prior Year | 15,464,000 |
| Total Debt Most Recent Quarter | 15,464,000 |
| Equity to Debt Ratio Past Year | 0.91 |
| Equity to Debt Ratio Most Recent Quarter | 0.91 |
| Total Stockholder Equity Past Year | 157,118,000 |
| Total Stockholder Equity Prior Year | 130,563,000 |
| Total Stockholder Equity Most Recent Quarter | 158,117,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 19,379,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.65 |
| Free Cash Flow Past Year | 19,960,000 |
| Free Cash Flow Prior Year | 19,971,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.31 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 7/16/2026 5:51:07 AM EST |