Is Peoples Bancorp of North Carolina, Inc. (PEBK) Overvalued?
We dive into why Peoples Bancorp of North Carolina, Inc. (PEBK) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Rosalio Madrigal
Stock Evaluator: Peoples Bancorp of North Carolina, Inc. (PEBK)
Peoples Bancorp of North Carolina, Inc. PEBK
$45.04
0.83
1.88%
September 15, 2026 4:00:00 PM
EST
Volume: 17,013
After Hours: $120.37
0.15
|
0.12%
November 10, 2021 7:59 PM
EST
Volume: 72,713
USD
NASD | DELAYED PRICE
| SECTOR | INDUSTRY |
| Financials | Banks |
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
3 Undervalued Banks Stocks for Friday, April 24
Discover the top 3 undervalued Banks stocks for Friday, April 24 based on AAII’s Stock Grades.Jenna Brashear
Does Peoples Bancorp of North Carolina, Inc. (PEBK) Have Momentum?
With data as of December 15, 2025, we examine if Peoples Bancorp of North Carolina, Inc.(PEBK) is consistently building momentum based on AAII's A+ Investor Momentum and Value Scores and Grades.Omar Beirat
Why Peoples Bancorp of North Carolina, Inc.’s (PEBK) Stock Is Up 6.15%
As of Tuesday, October 21, Peoples Bancorp of North Carolina, Inc.’s PEBK share price has surged by 6.15%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Why Peoples Bancorp of North Carolina, Inc.’s (PEBK) Stock Is Up 5.24%
As of Monday, October 20, Peoples Bancorp of North Carolina, Inc.’s PEBK share price has surged by 5.24%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Financial Summary
| Share Statistics | PEBK | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $239.7 | $742.9 | 29% |
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| Shares Out (Mil) | 5.5 | 16.0 | 15% |
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| Institutional Ownership | 80.9% | 84.0% | 49% |
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| Float (Mil) | 4.5 | 21.6 | 11% |
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| Beta | 0.30 | 0.45 | 18% |
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| Avg Daily Volume (000s) | 20 | 43 | 20% |
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| Price Change (52-week) |
42.8% | 94.9% | 80% |
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| Growth | PEBK | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 7.2% | 7.8% | 46% |
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| Net Income (5yr) | 11.7% | 11.1% | 58% |
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| EPS (5yr) | 13.2% | 10.1% | 53 |
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| Dividends (5yr) | 5.9% | 3.6% | 75% |
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| Cash Flow (5yr) | (15.0%) | (17.1%) | 52% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | PEBK | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $90 | $193 | 25% |
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| Net Income (TTM) (Mil) | $20 | $55 | 49% |
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| EPS (TTM) | $3.757 | $2.600 | 82% |
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| Operating Cash Flow (TTM) (Mil) | $21 | $34 | 41% |
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| Net Cash Flow (TTM) (Mil) | ($41) | $2 | 21% |
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| Long-Term Debt (Q1) (Mil) | $18 | $98 | 32% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | PEBK | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.49 | 1.27 | 39% |
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| P/E | 12.4 | 12.5 | 27% |
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| Dividend Yield | 2.2% | 2.2% | 78% |
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| PEG (5yr hist) | 0.9 | 1.1 | 44% |
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| Ratios | PEBK | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 22.1% | 29.2% | 81% |
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| ROA | 1.2% | 1.1% | 48% |
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| ROE | 13.1% | 11.3% | 66% |
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| Liabilities to Assets | 90.9% | 89.7% | 87% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 9/15/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
GURU STRATEGY
Stock Market Winners Screen
Factors: Value, Momentum, Growth
A screen that tries to interpret and apply successful trading rules in the real market environment.
| Performance Since Inception: | 14.9% |
| +/- S&P 500: | +7.4 |
