Peoples Bancorp of North Carolina Inc.

PEBK | NASDAQ

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$43.57

-$0.44 (-1.00%)

At close: Sep 21, 2026, 4:00 PM ET

$43.57

$0 (0.00%)

After-hours: Sep 21, 2026, 4:10 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $237.96M

Enterprise Value $-159.97M

Beta 0.30

Average Volume 35.79K

Shares Outstanding (Diluted) 5.5M

Shares Change YoY 0.51%

Institutional Ownership 45.21%

Exchange NASDAQ

ISIN US7105771072

Price Performance

Price Change 1M -2.6%

Price Change 3M -1.0%

Price Change 6M 12.9%

Price Change YTD 22.0%

Price Change 1Y 37.6%

Price Change 3Y 102.2%

Price Change 5Y 55.7%

1M CAGR (ann.) 1.7%

1Y CAGR (ann.) 38.1%

5Y CAGR (ann.) 12.8%

All-Time CAGR 7.2%

Valuation

PE Ratio 14.72

Forward PE N/A

PEG Ratio -3.05

Forward PEG -3.05

PS Ratio 2.16

Forward PS N/A

PB Ratio 1.47

P/FCF Ratio 12.28

P/Adj. FCF Ratio 12.38

P/OCF Ratio 10.76

EV/Sales -1.45

EV/EBIT -6.17

EV/EBITDA -5.59

EV/FCF -8.25

Earnings Yield 6.8%

FCF Yield 8.1%

Adj. FCF Yield 8.1%

Financial Health

Net Cash $397.92M

Total Debt $0

Cash & Short-Term Investments $397.92M

Total Assets $1.76B

Current Ratio 91.12

Quick Ratio 91.12

Debt / Equity Ratio 0.12

Debt / EBITDA 0.00

Debt / FCF 0.00

OCF / Debt N/A

Interest Coverage 1.09

Altman Z-Score 0.34

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 76.4%

Operating Profit Margin 23.6%

EBITDA Margin 26.0%

Net Profit Margin 18.1%

FCF Margin 17.6%

Adj. FCF Margin 17.4%

SBC / Revenue 0.3%

SBC Impact (per share) -0.8%

Returns

Return on Assets 1.1%

Return on Equity 12.8%

Return on Invested Capital 1.1%

Return on Capital Employed 1.5%

Return on Tangible Assets 1.1%

Historical Growth (CAGR)

Revenue CAGR 3Y 11.6%

Revenue CAGR 5Y 10.6%

Revenue CAGR 10Y 7.8%

EPS CAGR 3Y -1.3%

EPS CAGR 5Y 2.5%

EPS CAGR 10Y 6.1%

FCF CAGR 3Y 1.4%

FCF CAGR 5Y 3.0%

FCF CAGR 10Y 3.7%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 18, 2026

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $45.03

Graham Upside 3.4%

Lynch Fair Value $14.80

Lynch Upside -66.0%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $20.48M

Free Cash Flow $19.38M

Adj. Free Cash Flow $19.22M

FCF Per Share $3.78

OCF Per Share $4.05

OCF/S Ratio 19.5%

Income Statement

Revenue $110.13M

Gross Profit $84.13M

Operating Income $25.93M

EBITDA $28.6M

Net Income $19.96M

EPS (Diluted) $2.96

Revenue / Employee $410.93K

Profit / Employee $74.47K

Employees 268

Dividends

Annual Dividend $0.80

Dividend Yield 1.84%

Payout Ratio 27.0%

FCF Payout Ratio 27.6%

Adj. FCF Payout Ratio 27.9%

Dividend Growth (YoY) 0.0%

Pay Frequency Quarterly

Ex-Dividend Date Sep 2, 2026