A Business at a Glance
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PEOPLES BANCORP OF NORTH CAROLINA INC
PEBK
$236M
Mkt Cap
$43.02
+1.30%
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) has a current P/E ratio of 14.1, compared to its historical median P/E of 10.9. The stock is currently considered Expensive based on its historical valuation range.
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) has a 5-year average return on invested capital (ROIC) of 12.9%. This indicates solid capital allocation.
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) has a market capitalization of $235M. It is classified as a small-cap stock.
Yes, PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) pays a dividend with a trailing twelve-month yield of 2.28%.
Based on historical P/E analysis, PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) appears expensive. The current P/E of 14.1 is 29% above its historical median of 10.9. The estimated fair value CAGR (P/E method) is 6.4%.
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) operates in the State Commercial Banks industry, within the Financials sector.
General Business Peoples Bancorp of North Carolina, Inc. (the “Company”), was formed in 1999 to serve as the holding company for Peoples Bank (the “Bank”). The Company is a bank holding company registered with the Board of Governors of the Federal Reserve System (the “Federal Reserve”) under the Bank Holding Company Act of 1956, as amended (the “BHCA”). The Company’s principal source of income is dividends declared and paid by the Bank on its capital stock, if any. The Company has no operations and conducts no business of its own other than owning the Bank and PEBK Capital Trust II. Accordingly, the discussion of the business which follows primarily concerns the business conducted by the Bank. Our principal executive offices are located at 518 West C Street, Newton, North Carolina, 28658, and our telephone number is (828) 464-5620.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 89M | 115M | 108M | 95M | 81M | 72M |
| Net Income | 20M | 20M | 16M | 16M | 16M | 15M |
| EPS | $3.64 | $3.62 | $2.98 | $2.77 | $2.85 | $0.00 |
| Free Cash Flow | 19M | 20M | 20M | 21M | 18M | 26M |
| ROIC | 0.0% | 13.8% | 13.0% | 13.7% | 13.0% | 10.7% |
| Gross Margin | - | 0.0% | 0.0% | 0.0% | 0.0% | - |
| Debt/Equity | 0.00 | 9.83 | 0.00 | 12.52 | 0.05 | 0.03 |
| Dividends/Share | $0.98 | $0.96 | $0.92 | $0.91 | $0.87 | $0.00 |
| Operating Income | 0 | 6.7M | 8.3M | 8.2M | 7.7M | 7.6M |
| Operating Margin | 0.0% | 5.9% | 7.7% | 8.7% | 9.6% | 10.6% |
| ROE | 12.6% | 13.8% | 13.0% | 13.7% | 13.0% | 10.7% |
| Shares Outstanding | 5M | 5M | 5M | 6M | 6M | 5,662M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 51M | 52M | 56M | 57M | 62M | 67M | 71M | 72M | 81M | 95M | 108M | 115M | 89M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% | 0.0% | 0.0% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 18M | 18M | 19M | 20M | 22M | 23M | 24M | 25M | 26M | 27M | 28M | 63M | 72M |
| EBIT | 5.0M | 5.6M | 4.9M | 5.3M | 6.2M | 5.8M | 5.9M | 7.6M | 7.7M | 8.2M | 8.3M | 6.7M | 0 |
| Op. Margin | 9.8% | 10.9% | 8.7% | 9.2% | 10.1% | 8.7% | 8.4% | 10.6% | 9.6% | 8.7% | 7.7% | 5.9% | 0.0% |
| Net Income | 9.4M | 9.6M | 9.2M | 10M | 13M | 14M | 11M | 15M | 16M | 16M | 16M | 20M | 20M |
| Net Margin | 18.6% | 18.5% | 16.4% | 17.9% | 21.8% | 20.9% | 16.0% | 21.0% | 19.9% | 16.4% | 15.1% | 17.3% | 22.3% |
| Non-Recurring | 893K | 118K | 17K | 239K | 544K | -222K | 47K | 105K | -85K | 184K | 0 | 3.0M | 3.0M |
| Returns on Capital | |||||||||||||
| ROIC | 10.3% | 9.5% | 8.6% | 9.2% | 11.2% | 10.9% | 8.3% | 10.7% | 13.0% | 13.7% | 13.0% | 13.8% | 0.0% |
| ROE | 10.3% | 9.5% | 8.6% | 9.2% | 11.2% | 10.9% | 8.3% | 10.7% | 13.0% | 13.7% | 13.0% | 13.8% | 12.6% |
| ROA | 0.9% | 0.9% | 0.9% | 0.9% | 1.2% | 1.3% | 0.9% | 1.0% | 1.0% | 1.0% | 1.0% | 1.2% | 1.1% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 1.9M | 14M | 12M | 19M | 17M | 13M | 9.2M | 27M | 23M | 23M | 21M | 21M | 20M |
| Free Cash Flow | -1.2M | 12M | 11M | 13M | 15M | 10M | 6.7M | 26M | 18M | 21M | 20M | 20M | 19M |
| Owner Earnings | -972K | 11M | 9.2M | 16M | 15M | 11M | 6.6M | 24M | 22M | 22M | 18M | 19M | -11M |
| CapEx | 3.1M | 2.4M | 1.6M | 5.6M | 1.7M | 2.8M | 2.5M | 484K | 4.6M | 1.9M | 587K | 1.4M | 1.1M |
| Maint. CapEx | 2.5M | 2.4M | 2.1M | 2.1M | 2.3M | 2.3M | 2.5M | 2.6M | 240K | 220K | 2.1M | 2.0M | 32M |
| Growth CapEx | 620K | 0 | 0 | 3.5M | 0 | 535K | 0 | 0 | 4.3M | 1.7M | 0 | 0 | 0 |
| D&A | 2.5M | 2.4M | 2.1M | 2.1M | 2.3M | 2.3M | 2.5M | 2.6M | 240K | 220K | 2.1M | 2.0M | 32M |
| CapEx/OCF | 21.6% | 17.0% | 13.2% | 29.9% | 10.1% | 21.5% | 27.2% | 1.8% | N/A | N/A | N/A | N/A | 5.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 1.0M | 1.6M | 2.1M | 2.6M | 3.1M | 3.9M | 4.4M | 3.8M | 4.9M | 5.1M | 5.0M | 5.2M | 5.4M |
| Dividend Yield | 1.6% | 2.0% | 2.5% | 2.0% | 2.2% | 2.9% | 4.4% | 0.0% | N/A | N/A | N/A | N/A | 2.3% |
| Share Buybacks | 82K | 1.9M | 2.0M | 0 | 0 | 2.5M | 3.0M | 3.6M | 710K | 2.0M | 2.0M | 0 | 0 |
| Buyback Yield | 0.1% | 2.3% | 1.8% | N/A | N/A | 1.6% | 2.5% | 2.6% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Stock-Based Comp | 389K | 487K | 932K | 592K | 85K | 270K | 27K | 181K | 245K | 249K | 238K | 238K | 238K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 70M | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | -244M | -403M | -679M | -512M | N/A | -447M | N/A | -431M |
| Cash & Equiv. | 69M | 40M | 70M | 57M | 43M | 52M | 162M | 277M | 72M | 82M | 59M | 58M | 431M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 250K |
| Debt/Equity | 9.55 | 8.90 | 9.13 | 8.42 | 7.84 | 0.03 | 0.02 | 0.03 | 0.05 | 12.52 | 0.00 | 9.83 | 0.00 |
| Interest Coverage | 1.2 | 1.6 | 1.8 | 2.2 | 2.9 | 1.5 | 1.5 | 2.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Equity | 99M | 105M | 107M | 116M | 124M | 134M | 140M | 142M | 105M | 121M | 131M | 157M | 158M |
| Total Assets | 1.0B | 1.0B | 1.1B | 1.1B | 1.1B | 1.2B | 1.4B | 1.6B | 1.6B | 1.6B | 1.7B | 1.7B | 1.7B |
| Total Liabilities | 942M | 934M | 981M | 976M | 970M | 1.0B | 1.3B | 1.5B | 1.5B | 1.5B | 1.5B | 1.5B | 1.6B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 45M | 53M | 60M | 50M | 61M | 71M | 78M | 89M | 100M | 110M | 121M | 136M | 138M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 | 0 | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 | 0 | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 | 0 | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 1.66 | 1.56 | 1.50 | 1.69 | 2.22 | 2.36 | 1.95 | 0.00 | 2.85 | 2.77 | 2.98 | 3.62 | 3.64 |
| Owner EPS | -0.17 | 1.78 | 1.50 | 2.62 | 2.46 | 1.78 | 1.14 | 0.00 | 3.91 | 3.98 | 3.32 | 3.49 | -2.09 |
| Book Value | 17.45 | 16.98 | 17.56 | 19.09 | 20.51 | 22.50 | 24.02 | 0.03 | 18.59 | 21.56 | 23.79 | 28.68 | 28.95 |
| Cash Flow/Share | 0.34 | 2.25 | 2.00 | 3.06 | 2.85 | 2.21 | 1.57 | 0.00 | 4.00 | 4.06 | 3.75 | 3.90 | 9.43 |
| Dividends/Share | 0.18 | 0.25 | 0.35 | 0.44 | 0.52 | 0.66 | 0.75 | 0.00 | 0.87 | 0.91 | 0.92 | 0.96 | 0.98 |
| Shares Out. | 5.7M | 6.2M | 6.1M | 6.1M | 6.0M | 6.0M | 5.8M | 5.7B | 5.7M | 5.6M | 5.5M | 5.5M | 5.5M |
| Valuation | |||||||||||||
| P/E Ratio | 8.0 | 8.5 | 12.1 | 14.6 | 9.1 | 11.2 | 10.6 | 9.0 | N/A | N/A | N/A | N/A | 11.8 |
| P/FCF | N/A | 7.1 | 10.5 | 11.5 | 7.9 | 15.3 | 18.1 | N/A | N/A | N/A | N/A | N/A | 12.1 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 0.8 | 0.8 | 1.0 | 1.3 | 1.0 | 1.2 | 0.9 | 1.0 | N/A | N/A | N/A | N/A | 1.5 |
| Price/Sales | 1.5 | 1.6 | 1.7 | 2.4 | 2.4 | 2.1 | 1.5 | 1.9 | N/A | N/A | N/A | N/A | 2.6 |
| FCF Yield | -1.6% | 14.1% | 9.5% | 8.7% | 12.7% | 6.6% | 5.5% | 19.3% | N/A | N/A | N/A | N/A | 8.2% |
| Market Cap | 75M | 82M | 111M | 149M | 121M | 158M | 121M | 137M | 0 | 0 | 0 | 0 | 235M |
| Avg. Price | 11.17 | 12.66 | 13.98 | 21.69 | 23.79 | 22.93 | 17.32 | 22.32 | 0.00 | 0.00 | 0.00 | 0.00 | 43.02 |
| Year-End Price | 12.11 | 13.29 | 18.20 | 24.60 | 20.13 | 26.53 | 20.69 | 23.73 | 0.00 | 0.00 | 0.00 | 0.00 | 43.02 |
PEOPLES BANCORP OF NORTH CAROLINA INC passes 3 of 9 quality checks, indicating weak fundamentals.
PEOPLES BANCORP OF NORTH CAROLINA INC trades at 14.1x trailing earnings, compared to its 15-year median P/E of 10.9x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 11.7x vs a median of 11.5x. The company's 5-year average ROIC is 12.9%. Total shareholder yield (dividends) is 2.3%. At current prices, the estimated annualized return to fair value is +14.6%.
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) reported annual revenue of $115 million in its most recent fiscal year, based on SEC EDGAR filings.
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) has a net profit margin of 17.3%. This is a healthy margin.
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) generated $20 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) has a debt-to-equity ratio of 9.83. This indicates higher leverage, which may increase financial risk.
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) reported earnings per share (EPS) of $3.62 in its most recent fiscal year.
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) has a return on equity (ROE) of 13.8%. This indicates moderate shareholder returns.
The Ledger Terminal provides 17 years of financial data for PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) has a book value per share of $28.68, based on its most recent annual SEC filing.
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