PEBK$37.25
Chart
Performance
Key Stats
AI PEBK Summary
Powered by LiveAIAI Scoreboard
Powered by LiveAIOverall Analysis
BuyPeoples Bancorp of North Carolina (PEBK) presents a compelling investment opportunity, characterized by strong fundamental performance, positive revenue and earnings growth, and a solid balance sheet. While technical indicators show some mixed signals with a recent RSI overbought condition on a 15-minute chart, the broader technical trend remains bullish. Thematic factors are neutral to positive, with no significant prevailing themes identified for this regional bank.
Thematic
Peoples Bancorp of North Carolina operates within the regional banking sector. Key thematic considerations include the evolving regulatory environment for banks, interest rate sensitivity, and the broader economic outlook for North Carolina. While specific strong secular growth themes are not immediately apparent, the company's stability and focus on core banking services provide a degree of resilience.
Fundamental
Peoples Bancorp of North Carolina exhibits strong fundamental performance, marked by consistent revenue and earnings growth, robust profitability, and a healthy balance sheet. The company's valuation metrics, such as P/E ratio, appear reasonable for its industry segment. Its low debt-to-equity ratio and solid free cash flow further enhance its financial standing.
Technical
Technical indicators for PEBK present a generally bullish outlook, with most moving averages suggesting a buy signal. However, some short-term indicators, like the 15-minute RSI, are in overbought territory, suggesting a potential for a short-term pullback or consolidation. The stock is trading above key moving averages, confirming an upward trend.
| Factor | Score |
|---|---|
| Regional Banking Sector Performance | 80 |
| Regulatory Environment | 75 |
| Economic Conditions in North Carolina | 70 |
| Deposit Stability | 85 |
| ESG Factors | 30 |
| Factor | Score |
|---|---|
| Valuation | 85 |
| Profitability | 90 |
| Growth | 75 |
| Balance Sheet Health | 95 |
| Cash Flow | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 85 |
| Momentum | 60 |
| Volume Confirmation | 55 |
| Support & Resistance | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (8)
Attractive Valuation Metrics
The Price-to-Earnings (P/E) ratio on a trailing twelve months (TTM) basis is 13.1, and for the full year 2024, it is 9.9. This suggests a potentially undervalued stock relative to its earnings power.
Consistent Profitability
The company has maintained a strong net margin, with 23.0% in 2024Q4, 22.7% in 2023Q4, and 24.9% in 2021Q4, indicating consistent profitability.
Bearish Points (8)
Negative Year-to-Date and Annual Performance
The stock has experienced a negative Year-to-Date (-3.66%) and 1-year (-5.2%) performance, indicating recent underperformance.
High Quarterly P/S Ratio
The quarterly Price-to-Sales (P/S) ratio in Q1 2025 is 8.0 and in Q4 2024 is 8.9, which appears high, suggesting the market may be valuing the company's revenue aggressively.
Calendar
June 2025
3
Ex-Dividend Date
June 2025
13
Next Dividend Date
October 2025
20
Next Earnings Date
H: $
A: $
L: $
Profile
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 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. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.
Seasonals
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 100
Core company for analysis; small-cap regional bank based in North Carolina.
Weight: 95
North Carolina regional bank peer with similar market capitalization and community banking focus.
Weight: 90
Regional bank peer with a very similar market capitalization.
Weight: 90
Regional bank peer with a very similar market capitalization.