Financial Services
Peoples Bancorp of North Carolina, Inc.(PEBK)
Live Price
Offline$42.45
+0.64% today
1Y Change
+50.43%
Window
Jun 25, 2025 โ Jun 18, 2026
- Market Cap
- $220.00M
- Revenue Growth
- +17.2%
- EPS Growth
- -5.2%
- Dividend Yield
- 2.4%
Coverage: 247 bars ยท Jun 25, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Peoples Bancorp of North Carolina, Inc. (PEBK) is a Financial Services stock with a market cap of $220.00M and listed on NASDAQ. The stock last traded around $42.45 and up 50.4% across the available one-year price window (Jun 25, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +17.2%, EPS growth of -5.2%, a dividend yield of 2.4%. What stands out right now is revenue +17.2%, EPS -5.2%, free cash flow -0.1% with operating margin 23.9% and ROIC 1.1%. The dividend is present but secondary, with a yield around 2.4%. Valuation is more restrained than many high-expectation growth names at P/E 10.7 and price/sales 2.0. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines PEBK price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+17.2% vs +3.4% peer median
Operating Margin
Above sector median
+23.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 20, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at +17.2% and EPS is at -5.2%, with operating margin around 23.9%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.4%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.1% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 20, 2026 | โ | -3.0% | -6.2% | -4.0% |
2026 Jan 26, 2026 | โ | +0.5% | +3.0% | +7.0% |
2025 Oct 20, 2025 | โ | +4.7% | +2.7% | -1.3% |
Benchmark Edge
PEBK vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
PEBK
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
PEBK Max Drawdown
-12.94%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for PEBK and SPY.
Company Overview
Peoples Bancorp of North Carolina, Inc.
NASDAQ Global Market
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. It also 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. In addition, 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. As of December 31, 2021, it operated 17 banking offices located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Mooresville, Raleigh, and Cary, North Carolina. The company also operates loan production offices in Charlotte, Denver, Salisbury, and Winston-Salem, North Carolina. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.
- Leadership
- William D. Cable
- IPO Date
- Oct 16, 1985
- Employees
- 281
- Street Address
- 518 West C Street
- Mailing
- Newton, NC, 28658
- Region
- Newton, NC, US
- Reporting Currency
- USD
- Investor Line
- 828 464 5620
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 10.7
- EV/EBITDA
- 7.3
- Price/Sales
- 2.0
- Price/Book
- 1.3
Growth
- Revenue
- +17.2%
- EPS
- -5.2%
- Free Cash Flow
- -0.1%
Profitability
- Gross Margin
- 76.4%
- Operating Margin
- 23.9%
- Net Margin
- 18.3%
- ROE
- 13.1%
- ROIC
- 1.1%
Balance Sheet
- Debt/Equity
- 0.10
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.