Peoples Bancorp of North Carolina, Inc. (PEBK) Market Cap
Peoples Bancorp of North Carolina, Inc. has a market capitalization of $222M.
Financials based on reported quarter end 2025-12-31
Price: $40.65
▼ -1.27 (-3.03%)
Market Cap: 222.01M
NASDAQ · time unavailable
CEO: William D. Cable
Sector: Financial Services
Industry: Banks - Regional
IPO Date: 1985-10-16
Website: https://www.peoplesbanknc.com
Peoples Bancorp of North Carolina, Inc. (PEBK) - Company Information
Market Cap: 222.01M · Sector: Financial Services
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.
Analyst Sentiment
Based on 0 ratings
Consensus Price Target
No data available
Price & Moving Averages
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Fundamentals Overview
📊 AI Financial Analysis
Powered by StockMarketInfo"Revenue was $20.9M in 2026-03-31. Net income was $4.40M (EPS not provided for the latest quarter). YoY (vs 2025-03-31): Revenue rose from $23.8M to $20.9M (−12.4%) and net income declined from $4.35M to $4.40M (+1.1%). QoQ (vs 2025-12-31): Revenue fell from $31.2M to $20.9M (−33.0%) while net income eased from $6.63M to $4.40M (−33.7%). Profitability: Net margin was ~21.1% (4.40M/20.9M) for 2026-03-31, compared with ~21.3% in 2025-12-31—roughly stable across the last two quarters, though the full-year trend appears more variable given the revenue swing. Over the 4-quarter window, EPS/shareholders’ earnings generally remained positive, and margins did not show a clear deterioration. Balance sheet / leverage: Total assets increased to $1.73B (from $1.69B in 2025-03-31). Equity improved to $158.1M (from $138.5M), indicating strengthening capital. Net debt remains negative (net cash position), which supports resilience. Shareholder returns: The stock price is up 62.7% over 1 year (>20% momentum), materially boosting total return expectations. Dividends appear small and payout ratio softened recently (latest shows 0), suggesting a more conservative distribution stance. Overall, PEBK shows solid capital resilience and strong share-price performance, but earnings have been volatile with meaningful QoQ revenue contraction."
Revenue Growth
YoY revenue declined −12.4% (2026-03-31 vs 2025-03-31: $20.9M vs $23.8M). QoQ revenue dropped −33.0% (vs 2025-12-31: $20.9M vs $31.2M), indicating recent volatility.
Profitability
Net income was roughly flat YoY (+1.1%) despite lower revenue. Net margin ~21.1% is essentially stable vs ~21.3% QoQ, suggesting margins are not materially compressing in the latest quarter.
Cash Flow Quality
Only net income is provided (no cash-flow statement metrics). Dividend distribution is present but appears limited and payout ratio declined/was reported as 0 in the latest quarter, limiting confidence in cash-generation durability.
Leverage & Balance Sheet
Equity strengthened to $158.1M (from $138.5M in 2025-03-31) while assets rose to $1.73B. Net debt remains negative (net cash), supporting balance-sheet resilience.
Shareholder Returns
Total shareholder return is likely strong given 1-year price momentum of +62.7% (well above the +20% threshold). Dividend yield is low, but price appreciation dominates.
Analyst Sentiment & Valuation
No consensus/median price targets provided. Valuation signals are mixed due to missing latest EPS and inconsistent P/E availability, so sentiment/valuation confidence is moderate.
Disclaimer:This analysis is AI-generated for informational purposes only. Accuracy is not guaranteed and this does not constitute financial advice.