Peoples Bancorp of North Carolina, Inc.
General ticker "PEBK" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $155.0M (TTM average)
Peoples Bancorp of North Carolina, Inc. follows the US Stock Market performance with the rate: 59.2%.
Estimated limits based on current volatility of 1.4%: low 36.69$, high 37.71$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-12-03, amount 0.20$ (Y2.19%)
- Total employees count: 281 (+1.4%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Operational and conduct risks, Liquidity and credit risks, Interest rate fluctuations, Loan quality
- Current price 10.7% above estimated high
- Earnings for 9 months up through Q3 exceed 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [25.28$, 33.39$]
- 2025-12-31 to 2026-12-31 estimated range: [24.42$, 33.06$]
Financial Metrics affecting the PEBK estimates:
- Positive: with PPE of 10.6 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 21.40 > 18.33
- Negative: Shareholder equity ratio, % of 7.90 <= 19.35
- Positive: Industry operating cash flow per share per price (median), % of 10.65 > 10.14
- Positive: 6.63 < Operating cash flow per share per price, % of 12.25
- Negative: Interest expense per share per price, % of 15.89 > 3.31
Short-term PEBK quotes
Long-term PEBK plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $70.72MM | $85.78MM | $97.79MM |
| Operating Expenses | $50.42MM | $65.86MM | $76.86MM |
| Operating Income | $20.30MM | $19.92MM | $20.93MM |
| Interest Expense | $3.32MM | $17.14MM | $26.65MM |
| Income(Loss) | $20.30MM | $19.92MM | $20.93MM |
| Taxes | $4.17MM | $4.38MM | $4.58MM |
| Profit(Loss)* | $16.12MM | $15.55MM | $16.35MM |
| Stockholders Equity | $105.19MM | $121.02MM | $130.56MM |
| Assets | $1,620.93MM | $1,635.91MM | $1,651.96MM |
| Operating Cash Flow | $22.62MM | $22.78MM | $20.56MM |
| Capital expenditure | $4.56MM | $1.95MM | $0.59MM |
| Investing Cash Flow | $-255.98MM | $-0.75MM | $-42.62MM |
| Financing Cash Flow | $27.46MM | $-11.25MM | $-1.04MM |
| Earnings Per Share** | $2.94 | $2.87 | $3.08 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.