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Peoples bancorp of north carolina, inc.PEBK.US Overview

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PEBK Recent Performance

1.32%

Peoples bancorp of north carolina, inc.

1.79%

Avg of Sector

-0.31%

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PEBK Key Information

PEBK Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

PEBK Profile

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.

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PEBK FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

PEBK Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.74
PE Ratio (TTM)
10.09
Forward PE
-
PS Ratio (TTM)
2.28
PB Ratio
1.33
Price-to-FCF
10.60
METRIC
VALUE
vs. INDUSTRY
Gross Margin
93.18%
Net Margin
20.75%
Revenue Growth (YoY)
16.45%
Profit Growth (YoY)
8.50%
3-Year Revenue Growth
15.46%
3-Year Profit Growth
6.77%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.74
PE Ratio (TTM)
10.09
Forward PE
-
PS Ratio (TTM)
2.28
PB Ratio
1.33
Price-to-FCF
10.60
Gross Margin
93.18%
Net Margin
20.75%
Revenue Growth (YoY)
16.45%
Profit Growth (YoY)
8.50%
3-Year Revenue Growth
15.46%
3-Year Profit Growth
6.77%

  • When is PEBK's latest earnings report released?

    The most recent financial report for Peoples bancorp of north carolina, inc. (PEBK) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating PEBK's short-term business performance and financial health. For the latest updates on PEBK's earnings releases, visit this page regularly.

  • Where does PEBK fall in the P/E River chart?

    According to historical valuation range analysis, Peoples bancorp of north carolina, inc. (PEBK)'s current price-to-earnings (P/E) ratio is 11.31, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of PEBK?

    According to the latest financial report, Peoples bancorp of north carolina, inc. (PEBK) reported an Operating Profit of 8.76M with an Operating Margin of 28.13% this period, representing a growth of 478.37% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is PEBK's revenue growth?

    In the latest financial report, Peoples bancorp of north carolina, inc. (PEBK) announced revenue of 31.15M, with a Year-Over-Year growth rate of 47.82%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does PEBK have?

    At the end of the period, Peoples bancorp of north carolina, inc. (PEBK) held Total Cash and Cash Equivalents of 27.72M, accounting for 0.02 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does PEBK go with three margins increasing?

    In the latest report, Peoples bancorp of north carolina, inc. (PEBK) achieved the “three margins increasing” benchmark, with a gross margin of 79.07%%, operating margin of 28.13%%, and net margin of 21.29%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess PEBK's profit trajectory and future growth potential.

  • Is PEBK's EPS continuing to grow?

    According to the past four quarterly reports, Peoples bancorp of north carolina, inc. (PEBK)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.8. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of PEBK?

    Peoples bancorp of north carolina, inc. (PEBK)'s Free Cash Flow (FCF) for the period is 4.37M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 7.66% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of PEBK?

    The latest valuation data shows Peoples bancorp of north carolina, inc. (PEBK) has a Price-To-Earnings (PE) ratio of 11.31 and a Price/Earnings-To-Growth (PEG) ratio of 0.79. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.