Peoples Bancorp of North Carolina, Inc. (PEBK)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 61 | 61 | 67 | 69 | 71 | 90 | 86 | - |
| Operating profit | $m | 26 | 26 | ||||||
| Net profit | $m | 11 | 15 | 16 | 16 | 16 | 20 | 20 | - |
| EPS reported | $ | 2.94 | 2.96 | ||||||
| Operating cashflow per share | $ | 3.17 | 4.05 | ||||||
| Capex per share | $ | 0.21 | 0.26 | ||||||
| FCF per share | $ | 2.96 | 3.78 | ||||||
| Free cash flow | $m | 20 | 20 | ||||||
| Net debt | $m | -259 | -18 | ||||||
| Book value equity | $m | 157 | 161 | ||||||
| Book value per share | $ | 23.28 | 29.35 | ||||||
| Number of shares | m | 6.75 | 5.5 | ||||||
| DPS (TTM paid) | $ | 0.96 | 1.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.31 | 14.58 | ||||||
| P/B LTM | x | 1.55 | 1.51 | ||||||
| P/S LTM | x | 2.71 | 2.83 | ||||||
| P/FCF LTM | x | 12.24 | 12.18 | ||||||
| EV/EBITDA LTM | x | 7.18 | 7.18 | ||||||
| EV/Sales LTM | x | 1.79 | 2.09 | ||||||
| Earnings Yield LTM | % | +8.12% | +6.86% | ||||||
| FCF Yield | % | +8.17% | +8.21% | ||||||
| Quality | |||||||||
| ROE | % | +12.62% | +12.75% | ||||||
| ROIC | % | +10.28% | +1.13% | ||||||
| Operating margin | % | +22.56% | +23.55% | ||||||
| Gross margin | % | +77.71% | +76.39% | ||||||
| FCF/Sales | % | +17.42% | +18.21% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -1.34% | -0.67% | ||||||
| Sales Growth YoY | % | +26.51% | +21.38% | ||||||
| Net Income Growth YoY | % | +21.26% | +22.04% | ||||||
| FCF Growth | % | -0.06% | +0.40% | ||||||
| Operating Profit Growth | % | +23.51% | +23.91% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.15% | +2.21% | ||||||
| Dividend Growth | % | +4.35% | +8.70% | ||||||
| Payout Ratio | % | +26.44% | +29.84% | ||||||
| FCF/Debt | x | 1.05 | 1.07 | ||||||
| Net Debt/EBITDA | x | -1.37 | -0.51 | ||||||
| EBIT/Net interest | x | 1.05 | 1.09 | ||||||
| Net debt/market cap | % | +6.33% | +6.46% | ||||||
| Net debt/Equity | x | -1.65 | -0.11 | ||||||
| Gross debt/equity | x | 0.12 | 0.12 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Peoples Bancorp of North Carolina, Inc. functions as the holding company for Peoples Bank, delivering a broad spectrum of financial products and services to individuals and small to medium-sized enterprises. Its deposit offerings encompass checking, savings, money market, and demand accounts, along with certificates of deposit (CDs) and time deposits. The bank also handles borrowed funds. For lending, Peoples Bank provides various credit options, including commercial real estate and general commercial loans, construction and land development financing, and agricultural loans. For personal needs, it extends single-family residential, standard residential mortgage, and Individual Taxpayer Identification Number (ITIN) mortgage loans. Beyond traditional banking, the company furnishes investment advisory services and a range of non-deposit investment instruments, such as stocks, bonds, mutual funds, and tax-deferred annuities, supported by brokerage services. It also handles real estate appraisal and brokerage. Furthermore, Peoples Bancorp operates an appraisal clearing-house for other community banks and manages, acquires, and sells real property and other assets obtained through debt collection. An insurance agency is also part of its service portfolio. As of year-end 2021, the company maintained a substantial presence across North Carolina, with 17 full-service banking branches in cities including Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Mooresville, Raleigh, and Cary. Additionally, it operates loan production offices in Charlotte, Denver, Salisbury, and Winston-Salem, North Carolina. Established in 1912, Peoples Bancorp of North Carolina, Inc. maintains its headquarters in Newton, North Carolina.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Peoples Bancorp of North Carolina, Inc. (PEBK)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Peoples Bancorp of North Carolina, Inc. functions as the holding company for Peoples Bank, delivering a broad spectrum of financial products and services to individuals and small to medium-sized enterprises. Its deposit offerings encompass checking, savings, money market, and demand accounts, along with certificates of deposit (CDs) and time deposits. The bank also handles borrowed funds. For lending, Peoples Bank provides various credit options, including commercial real estate and general commercial loans, construction and land development financing, and agricultural loans. For personal needs, it extends single-family residential, standard residential mortgage, and Individual Taxpayer Identification Number (ITIN) mortgage loans. Beyond traditional banking, the company furnishes investment advisory services and a range of non-deposit investment instruments, such as stocks, bonds, mutual funds, and tax-deferred annuities, supported by brokerage services. It also handles real estate appraisal and brokerage. Furthermore, Peoples Bancorp operates an appraisal clearing-house for other community banks and manages, acquires, and sells real property and other assets obtained through debt collection. An insurance agency is also part of its service portfolio. As of year-end 2021, the company maintained a substantial presence across North Carolina, with 17 full-service banking branches in cities including Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Mooresville, Raleigh, and Cary. Additionally, it operates loan production offices in Charlotte, Denver, Salisbury, and Winston-Salem, North Carolina. Established in 1912, Peoples Bancorp of North Carolina, Inc. maintains its headquarters in Newton, North Carolina.
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