Peoples Bancorp of North Carolina, Inc.
General ticker "PEBK" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $196.9M (TTM average)
Peoples Bancorp of North Carolina, Inc. follows the US Stock Market performance with the rate: 44.1%.
Estimated limits based on current volatility of 0.9%: low 44.13$, high 44.95$
Factors to consider:
- Earnings expected soon, date: nan
- Company pays dividends (quarterly): last record date 2026-09-03, amount 0.21$ (Y1.90%)
- Total employees count: 273 (-2.8%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Inflationary pressures, Interest rate risk, Cybersecurity threats
- Current price 10.8% above estimated high
- Earnings for 6 months up through Q2 are close to our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [29.69$, 40.01$]
- 2026-12-31 to 2027-12-31 estimated range: [30.04$, 40.91$]
Financial Metrics affecting the PEBK estimates:
- Positive: with PPE of 10.2 at the end of fiscal year the price was neutral
- Positive: 22.58 < Operating profit margin, % of 25.57
- Positive: 6.77 < Operating cash flow per share per price, % of 8.59
- Positive: 0.90 < Return on assets ratio (scaled to [-100,100]) of 1.15
- Positive: 14.78 < Industry operating profit margin (median), % of 24.03
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: 7.04 < Shareholder equity ratio, % of 9.23 <= 12.78
- Negative: 4.56 < Interest expense per share per price, % of 9.89
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry earnings per price (median), % of 7.57 > 6.58
Short-term PEBK quotes
Long-term PEBK plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $85.78MM | $97.79MM | $101.11MM |
| Operating Expenses | $65.86MM | $76.86MM | $75.26MM |
| Operating Income | $19.92MM | $20.93MM | $25.85MM |
| Interest Expense | $17.14MM | $26.65MM | $24.60MM |
| Income(Loss) | $19.92MM | $20.93MM | $25.85MM |
| Taxes | $4.38MM | $4.58MM | $6.02MM |
| Net Income(Loss)* | $15.55MM | $16.35MM | $19.83MM |
| Stockholders Equity | $121.02MM | $130.56MM | $157.12MM |
| Assets | $1,635.91MM | $1,651.96MM | $1,702.15MM |
| Operating Cash Flow | $22.78MM | $20.56MM | $21.37MM |
| Capital expenditure | $1.95MM | $0.59MM | $1.41MM |
| Investing Cash Flow | $-0.75MM | $-42.62MM | $-41.83MM |
| Financing Cash Flow | $-11.25MM | $-1.04MM | $19.30MM |
| Earnings Per Share** | $2.87 | $3.08 | $2.94 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.