PEBK - Peoples Bancorp of North Carolina Stock Price, Fair Value and News

28.00USD-0.10 (-0.36%)Market Closed

Market Summary

USD28.00-0.10

Market Closed

-0.36%

PEBK Stock Price

View Fullscreen

PEBK RSI Chart

PEBK Valuation

Market Cap

153.3M

Price/Earnings (Trailing)

9.86

Price/Sales (Trailing)

2.13

EV/EBITDA

1.49

Price/Free Cashflow

7.36

PEBK Price/Sales (Trailing)

PEBK Profitability

EBT Margin

27.72%

Return on Equity

12.85%

Return on Assets

0.95%

Free Cashflow Yield

13.59%

PEBK Fundamentals

PEBK Revenue

Revenue (TTM)

71.9M

Rev. Growth (Yr)

16.1%

Rev. Growth (Qtr)

4.64%

PEBK Earnings

Earnings (TTM)

15.5M

Earnings Growth (Yr)

-17.07%

Earnings Growth (Qtr)

-16.67%

Breaking Down PEBK Revenue

Last 7 days

1.7%

Last 30 days

0.6%

Last 90 days

-6.0%

Trailing 12 Months

-4.3%

How does PEBK drawdown profile look like?

PEBK Financial Health

PEBK Investor Care

Dividend Yield

3.24%

Dividend/Share (TTM)

0.91

Diluted EPS (TTM)

2.77

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	59.9M	65.5M	69.2M	71.9M
2022	46.6M	46.1M	49.3M	54.4M
2021	47.6M	48.5M	48.1M	47.2M
2020	49.7M	48.9M	48.4M	48.0M
2019	46.8M	48.1M	48.9M	49.6M
2018	42.6M	43.2M	44.2M	45.4M
2017	40.0M	40.6M	41.3M	41.9M
2016	39.0M	39.6M	39.7M	39.8M
2015	38.4M	38.1M	38.4M	38.7M
2014	30.6M	31.3M	31.7M	38.4M
2013	31.5M	30.6M	30.1M	30.2M
2012	35.2M	33.6M	32.0M	32.8M
2011	39.8M	39.4M	38.7M	36.4M
2010	0	46.8M	43.5M	40.2M
2009	0	0	0	50.0M

Get all data in R, Python etc through our Historical Stock Data APIs

GRUFITY'S FAIR VALUE MODEL

Stocks Marked 'Very Cheap' by Grufity's Fair Value Model Have Outperformed Russell 2000 Index

Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

Returns of $10,000 invested in:

Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

Very Expensive Stocks

Very Cheap Stocks

Try For Just $1.99

Tracking the Latest Insider Buys and Sells of Peoples Bancorp of North Carolina

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Feb 23, 2024	abernethy james s	sold	-73,500	24.5	-3,000	-
Dec 31, 2023	zachary benjamin i	acquired	2,572	24.27	106	-
Dec 21, 2023	robinson larry e	acquired	4,007	27.45	146	-
Dec 21, 2023	sellers lance a	acquired	3,019	27.45	110	president & ceo
Dec 04, 2023	abernethy james s	sold	-54,240	27.12	-2,000	-
Nov 22, 2023	abernethy james s	gifted	-5,354	26.77	-200	-
Nov 01, 2023	abernethy james s	gifted	-17,784	22.8	-780	-
Sep 30, 2023	zachary benjamin i	acquired	6,235	21.5755	289	-
Aug 02, 2023	abernethy james s	sold	-86,400	21.6	-4,000	-

Which funds bought or sold PEBK recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 22, 2024	Raymond James Financial Services Advisors, Inc.	reduced	-26.11	-157,008	311,871	-%
Apr 11, 2024	SALEM INVESTMENT COUNSELORS INC	unchanged	-	-3,861	45,953	-%
Mar 11, 2024	VANGUARD GROUP INC	added	0.41	2,224,490	7,618,230	-%
Feb 15, 2024	BARCLAYS PLC	reduced	-71.11	-10,000	7,000	-%
Feb 15, 2024	State of Wyoming	reduced	-4.55	10,581	48,123	0.01%
Feb 14, 2024	MALTESE CAPITAL MANAGEMENT LLC	added	40.00	266,511	541,450	0.15%
Feb 14, 2024	Royal Bank of Canada	unchanged	-	1,000	3,000	-%
Feb 14, 2024	GENDELL JEFFREY L	unchanged	-	1,947,890	6,737,590	0.37%
Feb 14, 2024	EARNEST PARTNERS LLC	sold off	-100	-9,678	-	-%
Feb 14, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	2.79	646,900	2,347,150	0.05%

Are Funds Buying or Selling PEBK?

Are funds buying PEBK calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own PEBK

No. of Funds

Unveiling Peoples Bancorp of North Carolina's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	fourthstone llc	9.68%	536,725	SC 13G/A
Feb 14, 2024	strategic value investors lp	5.4%	300,801	SC 13G/A
Feb 14, 2023	fourthstone llc	7.43%	419,080	SC 13G
Jan 31, 2023	strategic value bank partners llc	5.5%	309,636	SC 13G/A
Dec 28, 2022	abernethy robert c	6.62%	373,693	SC 13D/A
Dec 28, 2022	abernethy james s	4.56%	257,411	SC 13D/A
Feb 11, 2022	strategic value bank partners llc	5.5%	309,636	SC 13G
Dec 20, 2021	abernethy james s	7.45%	421,531	SC 13D/A
Dec 20, 2021	abernethy robert c	9.34%	529,010	SC 13D/A
Jul 20, 2021	abernethy robert c	15.43%	893,375	SC 13D

Recent SEC filings of Peoples Bancorp of North Carolina

View All Filings

Date Filed	Form Type	Document
Apr 22, 2024	8-K	Current Report
Mar 27, 2024	DEF 14A	DEF 14A
Mar 07, 2024	10-K	Annual Report
Mar 07, 2024	8-K/A	Current Report
Feb 27, 2024	8-K	Current Report
Feb 23, 2024	4	Insider Trading
Feb 15, 2024	5	Insider Trading
Feb 15, 2024	5	Insider Trading
Feb 15, 2024	5	Insider Trading
Feb 14, 2024	SC 13G/A	Major Ownership Report

Peers (Alternatives to Peoples Bancorp of North Carolina)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	553.3B	171.1B	-2.31%	36.49%	11.17	3.23	60.72%	31.52%
BAC	302.1B	130.3B	3.56%	28.93%	11.39	2.32	79.51%	-3.68%
WFC	218.1B	85.7B	6.72%	47.09%	11.39	2.55	41.49%	39.96%
C	119.7B	133.3B	3.01%	27.78%	12.98	0.9	79.09%	-
CFG	16.0B	10.2B	-0.51%	22.27%	9.98	1.57	44.53%	-22.43%
KEY	13.8B	7.9B	-2.00%	32.35%	14.22	1.74	46.47%	-49.56%
MID-CAP
CMA	7.0B	4.2B	1.92%	23.45%	7.92	1.67	56.25%	-23.46%
ZION	6.2B	3.9B	2.71%	47.68%	9.1	1.57	45.91%	-25.03%
ABCB	3.3B	1.3B	1.85%	41.72%	12.28	2.58	43.24%	-22.35%
ASB	3.2B	2.0B	3.40%	20.85%	17.57	1.64	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	414.1M	164.9M	-1.69%	36.50%	35.41	2.51	42.66%	-70.76%
AROW	383.2M	162.6M	-4.81%	4.19%	12.74	2.36	25.39%	-38.37%
ACNB	291.3M	96.6M	-3.52%	8.70%	9.19	3.01	11.02%	-11.37%
ASRV	45.1M	60.9M	-2.56%	-9.83%	-13.48	0.74	24.06%	-144.92%

Peoples Bancorp of North Carolina News

Latest updates

Peoples Bancorp of North Carolina Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	4.6%	19.00	18.00	18.00	17.00	16.00	15.00	12.00	11.00	11.00	11.00	13.00	12.00	12.00	12.00	12.00	12.00	13.00	12.00	12.00	12.00	12.00
EBITDA Margin	24.7%	0.66*	0.53*	0.53*	0.51*	0.54*	0.77*	0.77*	0.80*	0.80*	0.76*	0.98*	1.14*	1.30*	1.31*	1.28*	-	-	-	-	-	-
Interest Expenses	167.2%	13.00	5.00	4.00	2.00	15.00	1.00	1.00	1.00	11.00	1.00	1.00	1.00	11.00	11.00	11.00	11.00	11.00	11.00	12.00	11.00	11.00
Income Taxes	-15.9%	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.00	0.00	1.00	1.00	1.00	1.00	1.00
Earnings Before Taxes	-16.5%	4.00	5.00	6.00	4.00	5.00	7.00	4.00	4.00	4.00	4.00	6.00	5.00	2.00	6.00	3.00	3.00	4.00	4.00	5.00	4.00	4.00
EBT Margin	-7.5%	0.28*	0.30*	0.34*	0.33*	0.37*	0.38*	0.35*	0.39*	0.40*	0.36*	0.39*	0.34*	0.29*	0.31*	0.29*	-	-	-	-	-	-
Net Income	-16.7%	3.00	4.00	5.00	3.00	4.00	5.00	3.00	3.00	3.00	3.00	5.00	4.00	2.00	5.00	3.00	2.00	3.00	4.00	4.00	4.00	3.00
Net Income Margin	-7.9%	0.22*	0.23*	0.27*	0.26*	0.30*	0.30*	0.28*	0.31*	0.32*	0.29*	0.31*	0.28*	0.24*	0.26*	0.24*	-	-	-	-	-	-
Free Cashflow	46.1%	5.00	4.00	4.00	7.00	5.00	5.00	1.00	7.00	9.00	1.00	5.00	12.00	1.00	1.00	3.00	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	1.8%	1,636	1,607	1,612	1,603	1,621	1,676	1,677	1,663	1,624	1,616	1,600	1,538	1,416	1,459	1,426	1,245	1,155	1,223	1,117	1,111	1,093
Cash Equivalents	7.5%	82.00	77.00	89.00	83.00	72.00	155	224	305	277	263	287	209	162	204	52.00	104	52.00	130	39.00	51.00	43.00
Net PPE	-0.5%	17.00	17.00	17.00	18.00	18.00	19.00	16.00	16.00	16.00	17.00	17.00	18.00	19.00	19.00	18.00	18.00	19.00	19.00	19.00	18.00	18.00
Liabilities	1.0%	1,515	1,500	1,499	1,488	1,516	1,572	1,564	1,537	1,482	1,473	1,454	1,398	1,276	1,319	1,289	1,111	1,021	1,091	987	985	970
Shareholder's Equity	12.7%	121	107	112	115	105	104	112	125	142	144	145	140	140	139	137	134	134	133	130	127	124
Retained Earnings	2.2%	110	107	104	101	100	97.00	93.00	91.00	89.00	87.00	85.00	81.00	78.00	77.00	73.00	71.00	71.00	69.00	66.00	63.00	61.00
Shares Outstanding	-0.3%	6.00	6.00	-	5,637	-	-	-	-	5,662	-	6.00	6.00	6.00	6.00	6.00	6.00	-	-	-	-	-
Float	-	-	-	82.00	-	-	-	126	-	-	-	114	-	-	-	78.00	-	-	-	137	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	36.4%	5,714	4,189	4,835	8,042	5,343	8,443	1,708	7,163	9,602	886	4,628	11,784	1,086	2,093	4,096	1,887	4,120	3,685	1,168	4,224	5,135
Cashflow From Investing	14.3%	-13,546	-15,809	-6,633	35,235	-31,898	-83,631	-109,251	-31,196	-1,990	-39,309	17,652	-82,491	455	-21,102	-90,691	-37,634	-12,698	-12,874	-13,582	-9,027	-4,106
Cashflow From Financing	1794.3%	13,588	-802	7,818	-31,852	-57,310	6,942	26,144	51,640	6,579	14,422	55,992	118,164	-44,189	33,598	172,715	86,879	-68,588	99,920	22.00	12,647	-14,700
Dividend Payments	-0.2%	1,056	1,058	1,069	1,925	1,020	1,019	1,019	1,877	966	967	930	930	872	873	868	1,779	831	831	832	1,445	783
Buy Backs	-61.4%	324	840	833	-	116	-	395	199	-	-3,605	-	-	-	-	5,998	-2,999	2,490	-577	-1,761	-152	-

PEBK Income Statement

2023-12-31

Consolidated Statements of Earnings - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest income:
Interest and fees on loans	$ 55,507	$ 43,077	$ 41,186
Interest on due from banks	2,216	2,223	258
Interest on investment securities:
U.S. Government sponsored enterprises	9,365	4,150	2,478
States and political subdivisions	2,949	4,075	3,146
Other	1,825	906	111
Total interest income	71,862	54,431	47,179
Interest expense:
Demand deposits, MMDA & savings deposits	6,731	2,019	2,029
Time deposits	7,916	562	752
Junior subordinated debentures	1,079	529	280
Other expenses	1,417	213	144
Total interest expense	17,143	3,323	3,205
Net interest income	54,719	51,108	43,974
Provision for (recovery of) credit losses	1,566	1,472	(1,163)
Net interest income after provision for credit losses	53,153	49,636	45,137
Non-interest income:
Service charges	5,496	5,290	3,921
Other service charges and fees	697	734	803
Loss on sale of securities, net	(2,488)	0	0
Mortgage banking income	301	393	2,505
Insurance and brokerage commissions	929	945	1,035
Appraisal management fee income	9,592	11,663	8,890
Gain (loss) on sale of premises and equipment	184	(85)	105
Gain on sale of other real estate, net	0	0	21
Miscellaneous	8,203	7,749	7,639
Total non-interest income	22,914	26,689	24,919
Non-interest expense:
Salaries and employee benefits	26,640	26,130	24,506
Occupancy	7,962	8,048	7,858
Professional fees	1,716	1,915	1,826
Advertising	750	693	536
Debit card expense	1,255	1,224	1,000
FDIC insurance	745	461	415
Appraisal management fee expense	7,559	9,264	7,112
Other non interest expense	9,517	8,295	7,874
Total non-interest expense	56,144	56,030	51,127
Earnings before income taxes	19,923	20,295	18,929
Income tax expense	4,377	4,172	3,796
Net earnings	$ 15,546	$ 16,123	$ 15,133
Basic net earnings per share	$ 2.87	$ 2.94	$ 2.71
Diluted net earnings per share	2.77	2.85	2.63
Cash dividends declared per share	$ 0.91	$ 0.87	$ 0.66

PEBK Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Consolidated Balance Sheets
Cash and due from banks, including reserve requirements of $0 at both 12/31/23 and 12/31/22	$ 32,819,000	$ 50,061,000
Interest-bearing deposits	49,556,000	21,535,000
Cash and cash equivalents	82,375,000	71,596,000
Investment securities available for sale	391,924,000	445,394,000
Other investments	2,874,000	2,656,000
Total securities	394,798,000	448,050,000
Mortgage loans held for sale	686,000	211,000
Loans	1,093,066,000	1,032,608,000
Less allowance for credit losses	(11,041,000)	(10,494,000)
Net loans	1,082,025,000	1,022,114,000
Premises and equipment, net	16,702,000	18,205,000
Cash surrender value of life insurance	18,134,000	17,703,000
Right of use lease asset	4,731,000	5,116,000
Accrued interest receivable and other assets	36,459,000	37,932,000
Total assets	1,635,910,000	1,620,927,000
Deposits:
Noninterest-bearing demand	432,687,000	523,088,000
Interest-bearing demand, MMDA & savings	620,244,000	814,128,000
Time, over $250,000	148,904,000	31,001,000
Other time	190,210,000	66,998,000
Total deposits	1,392,045,000	1,435,215,000
Securities sold under agreements to repurchase	86,715,000	47,688,000
Junior subordinated debentures	15,464,000	15,464,000
Lease liability	4,832,000	5,185,000
Accrued interest payable and other liabilities	15,838,000	12,180,000
Total liabilities	1,514,894,000	1,515,732,000
Shareholders' equity:
Preferred stock, no par value; authorized 5,000,000 shares; no shares issued and outstanding	0	0
Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,534,499 shares at December 31, 2023 and 5,636,830 shares at December 31, 2022	50,625,000	52,636,000
Common stock held by deferred compensation trust, at cost; 163,702 shares at December 31, 2023 and 169,094 shares at December 31, 2022	(1,910,000)	(2,181,000)
Deferred compensation	1,910,000	2,181,000
Retained earnings	109,756,000	100,156,000
Accumulated other comprehensive loss	(39,365,000)	(47,597,000)
Total shareholders' equity	121,016,000	105,195,000
Total liabilities and shareholders' equity	$ 1,635,910,000	$ 1,620,927,000

About Peoples Bancorp of North Carolina

Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various commercial and consumer banking products and services to individuals and small to medium-sized businesses. It offers checking, savings, money market, and time deposits; demand deposits; and certificates of deposit, as well as borrowed funds. The company's loan products comprise commercial real estate, commercial, construction and land development, single-family residential, residential mortgage, and individual taxpayer identification number mortgage loans, as well as agricultural loans. In addition, it 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, the company operates as a clearing-house for the provision of appraisal services for community banks; and acquires, manages, and disposes real property, other collateral, and other assets obtained in the ordinary course of collecting debts, as well as offers insurance agency services. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.

CEO	Mr. Lance A. Sellers
WEBSITE	peoplesbanknc.com
INDUSTRY	Banks Diversified
EMPLOYEES	279

Peoples Bancorp of North Carolina Frequently Asked Questions

What is the ticker symbol for Peoples Bancorp of North Carolina? What does PEBK stand for in stocks?

PEBK is the stock ticker symbol of Peoples Bancorp of North Carolina. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Peoples Bancorp of North Carolina (PEBK)?

As of Tue Apr 23 2024, market cap of Peoples Bancorp of North Carolina is 153.31 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of PEBK stock?

You can check PEBK's fair value in chart for subscribers.

What is the fair value of PEBK stock?

You can check PEBK's fair value in chart for subscribers. The fair value of Peoples Bancorp of North Carolina is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Peoples Bancorp of North Carolina is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for PEBK so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Peoples Bancorp of North Carolina a good stock to buy?

The fair value guage provides a quick view whether PEBK is over valued or under valued. Whether Peoples Bancorp of North Carolina is cheap or expensive depends on the assumptions which impact Peoples Bancorp of North Carolina's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for PEBK.

What is Peoples Bancorp of North Carolina's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Tue Apr 23 2024, PEBK's PE ratio (Price to Earnings) is 9.86 and Price to Sales (PS) ratio is 2.13. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. PEBK PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Peoples Bancorp of North Carolina's stock?

In the past 10 years, Peoples Bancorp of North Carolina has provided 0.074 (multiply by 100 for percentage) rate of return.