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Peoples Bancorp of North Carolina, Inc. PEBK

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Price alert · PEBK

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44.04 USD -0.57 -1.27%

At close · Oct 30

44.04 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
43.71 × 2
Ask
44.36 × 2
43.74 Day range 45.10
29.02 52-week range 45.25
YTD
+21.64%
1 year
+49.07%
Open
44.75
Prev close
44.60
Mkt cap
234.30M
Vol
25.89K
Avg vol
31.09K
EPS
4.02
P/E
10.95
Div yield
2.40%
More statistics
Low
43.74
High
45.10
Forward P/E
0.00
Beta
0.59
Short ratio
2.97
Inst. own
42.40%
Dividend
0.76
Ex-div date
Dec 2, 2024
50-d avg
28.91
200-d avg
28.72
1y target
0.00

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Financial health

Altman Z-Score

-0.50 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 3
  • P/B 2

Valuation

P/E 12.3×
FY 2016: 14.9×FY 2017: 17.9×FY 2018: 11.0×FY 2019: 13.9×FY 2020: 11.8×FY 2021: 10.2×FY 2022: 11.1×FY 2023: 10.8×FY 2024: 10.1×FY 2025: 12.3×
FY 2016 5y median 10.8× FY 2025
P/S 2.1×
FY 2016: 2.6×FY 2017: 3.4×FY 2018: 2.6×FY 2019: 3.1×FY 2020: 2.1×FY 2021: 2.4×FY 2022: 2.5×FY 2023: 2.0×FY 2024: 1.7×FY 2025: 2.1×
FY 2016 5y median 2.1× FY 2025
P/B 1.6×
FY 2016: 1.3×FY 2017: 1.6×FY 2018: 1.2×FY 2019: 1.5×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 1.7×FY 2023: 1.4×FY 2024: 1.3×FY 2025: 1.6×
FY 2016 5y median 1.4× FY 2025
P/FCF 12.2×
FY 2016: 12.9×FY 2017: 14.1×FY 2018: 9.5×FY 2019: 18.8×FY 2020: 20.1×FY 2021: 5.8×FY 2022: 9.9×FY 2023: 8.0×FY 2024: 8.3×FY 2025: 12.2×
FY 2016 5y median 8.3× FY 2025
EV/EBITDA 7.2×
FY 2016: 8.4×FY 2017: 9.6×FY 2018: 8.9×FY 2019: 8.9×FY 2020: 1.0×FY 2021: -2.7×FY 2022: 6.7×FY 2023: 8.3×FY 2024: 5.3×FY 2025: 7.2×
FY 2016 5y median 6.7× FY 2025
EV/Sales 1.8×
FY 2016: 2.7×FY 2017: 3.5×FY 2018: 3.2×FY 2019: 3.0×FY 2020: 0.3×FY 2021: -1.0×FY 2022: 2.5×FY 2023: 2.2×FY 2024: 1.3×FY 2025: 1.8×
FY 2016 5y median 1.8× FY 2025
FCF Yield 8.2%
FY 2016: 7.8%FY 2017: 7.1%FY 2018: 10.5%FY 2019: 5.3%FY 2020: 5.0%FY 2021: 17.1%FY 2022: 10.1%FY 2023: 12.4%FY 2024: 12.1%FY 2025: 8.2%
FY 2016 5y median 12.1% FY 2025

Profitability

Gross Margin 77.7%
FY 2016: 96.1%FY 2017: 96.5%FY 2018: 94.9%FY 2019: 92.7%FY 2020: 87.5%FY 2021: 96.8%FY 2022: 93.2%FY 2023: 78.2%FY 2024: 73.0%FY 2025: 77.7%
FY 2016 5y median 78.2% FY 2025
Operating Margin 22.6%
FY 2016: 22.3%FY 2017: 26.5%FY 2018: 27.8%FY 2019: 27.1%FY 2020: 21.4%FY 2021: 29.6%FY 2022: 28.7%FY 2023: 23.2%FY 2024: 21.4%FY 2025: 22.6%
FY 2016 5y median 23.2% FY 2025
Net Margin 17.3%
FY 2016: 17.4%FY 2017: 19.2%FY 2018: 23.3%FY 2019: 22.2%FY 2020: 17.6%FY 2021: 23.7%FY 2022: 22.8%FY 2023: 18.1%FY 2024: 16.7%FY 2025: 17.3%
FY 2016 5y median 18.1% FY 2025
ROE 12.6%
FY 2016: 8.5%FY 2017: 8.9%FY 2018: 10.8%FY 2019: 10.5%FY 2020: 8.1%FY 2021: 10.6%FY 2022: 15.3%FY 2023: 12.8%FY 2024: 12.5%FY 2025: 12.6%
FY 2016 5y median 12.6% FY 2025
ROIC 10.3%
FY 2016: 5.0%FY 2017: 5.9%FY 2018: 6.6%FY 2019: 7.9%FY 2020: 6.1%FY 2021: 7.6%FY 2022: 9.3%FY 2023: 6.4%FY 2024: 9.8%FY 2025: 10.3%
FY 2016 5y median 9.3% FY 2025
ROA 1.2%
FY 2016: 0.8%FY 2017: 0.9%FY 2018: 1.2%FY 2019: 1.2%FY 2020: 0.8%FY 2021: 0.9%FY 2022: 1.0%FY 2023: 1.0%FY 2024: 1.0%FY 2025: 1.2%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 17.2%
FY 2016: 3.2%FY 2017: 1.8%FY 2018: 7.4%FY 2019: 10.4%FY 2020: 1.7%FY 2021: -1.1%FY 2022: 10.7%FY 2023: 21.3%FY 2024: 14.0%FY 2025: 17.2%
FY 2016 FY 2025
Operating Income 23.5%
FY 2016: -7.8%FY 2017: 21.1%FY 2018: 12.6%FY 2019: 7.5%FY 2020: -19.5%FY 2021: 36.7%FY 2022: 7.2%FY 2023: -1.8%FY 2024: 5.0%FY 2025: 23.5%
FY 2016 FY 2025
EPS (diluted) -1.3%
FY 2016: -3.8%FY 2017: 12.7%FY 2018: 31.4%FY 2019: 6.3%FY 2020: -17.4%FY 2021: 34.9%FY 2022: 8.4%FY 2023: -2.8%FY 2024: 7.6%FY 2025: -1.3%
FY 2016 FY 2025
Free Cash Flow -0.1%
FY 2016: -7.6%FY 2017: 22.7%FY 2018: 18.5%FY 2019: -32.9%FY 2020: -35.6%FY 2021: 296.0%FY 2022: -31.7%FY 2023: 15.4%FY 2024: -4.1%FY 2025: -0.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.2×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.1×
FY 2016: 0.7×FY 2017: 0.5×FY 2018: 0.6×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.6×FY 2023: 0.9×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA -1.4×
FY 2016: 0.4×FY 2017: 0.1×FY 2018: 1.7×FY 2019: -0.3×FY 2020: -6.5×FY 2021: -9.0×FY 2022: -0.1×FY 2023: 1.1×FY 2024: -1.7×FY 2025: -1.4×
FY 2016 5y median -1.4× FY 2025
Interest Coverage 1.1×
FY 2016: 3.6×FY 2017: 6.0×FY 2018: 7.5×FY 2019: 4.6×FY 2020: 3.6×FY 2021: 5.9×FY 2022: 6.1×FY 2023: 1.2×FY 2024: 0.8×FY 2025: 1.1×
FY 2016 5y median 1.2× FY 2025

Dividends

Dividend Yield 2.1%
FY 2016: 1.5%FY 2017: 1.4%FY 2018: 2.1%FY 2019: 2.0%FY 2020: 3.3%FY 2021: 2.5%FY 2022: 2.8%FY 2023: 3.0%FY 2024: 3.0%FY 2025: 2.1%
FY 2016 5y median 2.8% FY 2025
Payout Ratio 26.5%
FY 2016: 22.9%FY 2017: 25.7%FY 2018: 23.4%FY 2019: 28.0%FY 2020: 38.7%FY 2021: 25.1%FY 2022: 30.6%FY 2023: 32.9%FY 2024: 30.9%FY 2025: 26.5%
FY 2016 5y median 30.6% FY 2025

Annual · latest fiscal year ends 2025-12-31