Peoples Bancorp of North Carolina, Inc. (PEBK)

PEBK Statistics

Total Valuation

PEBK has a market cap or net worth of $196.59 million. The enterprise value is $98.84 million.

Market Cap	196.59M
Enterprise Value	98.84M

Important Dates

The next estimated earnings date is Wednesday, February 11, 2026, before market open.

Earnings Date	Feb 11, 2026
Ex-Dividend Date	Dec 3, 2025

Share Statistics

PEBK has 5.31 million shares outstanding. The number of shares has decreased by -0.35% in one year.

Current Share Class	5.31M
Shares Outstanding	5.31M
Shares Change (YoY)	-0.35%
Shares Change (QoQ)	+0.03%
Owned by Insiders (%)	15.56%
Owned by Institutions (%)	43.03%
Float	4.26M

Valuation Ratios

The trailing PE ratio is 12.10.

PE Ratio	12.10
Forward PE	n/a
PS Ratio	2.30
Forward PS	n/a
PB Ratio	1.32
P/TBV Ratio	1.32
P/FCF Ratio	9.79
P/OCF Ratio	9.18
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	5.90
EV / Sales	1.16
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	4.92

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.96
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.73%.

Return on Equity (ROE)	11.73%
Return on Assets (ROA)	0.99%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$290,816
Profits Per Employee	$56,993
Employee Count	294
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PEBK has paid $4.92 million in taxes.

Income Tax	4.92M
Effective Tax Rate	22.70%

Stock Price Statistics

The stock price has increased by +15.50% in the last 52 weeks. The beta is 0.37, so PEBK's price volatility has been lower than the market average.

Beta (5Y)	0.37
52-Week Price Change	+15.50%
50-Day Moving Average	32.42
200-Day Moving Average	29.81
Relative Strength Index (RSI)	69.61
Average Volume (20 Days)	11,739

Short Selling Information

The latest short interest is 41,169, so 0.78% of the outstanding shares have been sold short.

Short Interest	41,169
Short Previous Month	44,771
Short % of Shares Out	0.78%
Short % of Float	0.97%
Short Ratio (days to cover)	7.13

Income Statement

In the last 12 months, PEBK had revenue of $85.50 million and earned $16.76 million in profits. Earnings per share was $3.06.

Revenue	85.50M
Gross Profit	85.50M
Operating Income	22.16M
Pretax Income	21.68M
Net Income	16.76M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.06

Balance Sheet

The company has $117.02 million in cash and $19.26 million in debt, giving a net cash position of $97.76 million or $18.41 per share.

Cash & Cash Equivalents	117.02M
Total Debt	19.26M
Net Cash	97.76M
Net Cash Per Share	$18.41
Equity (Book Value)	149.47M
Book Value Per Share	28.15
Working Capital	-1.42B

Cash Flow

In the last 12 months, operating cash flow was $21.42 million and capital expenditures -$1.34 million, giving a free cash flow of $20.08 million.

Operating Cash Flow	21.42M
Capital Expenditures	-1.34M
Free Cash Flow	20.08M
FCF Per Share	$3.78

Margins

Gross Margin	n/a
Operating Margin	25.91%
Pretax Margin	25.35%
Profit Margin	19.60%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	23.48%

Dividends & Yields

This stock pays an annual dividend of $0.96, which amounts to a dividend yield of 2.58%.

Dividend Per Share	$0.96
Dividend Yield	2.58%
Dividend Growth (YoY)	4.35%
Years of Dividend Growth	3
Payout Ratio	31.37%
Buyback Yield	0.35%
Shareholder Yield	2.94%
Earnings Yield	8.52%
FCF Yield	10.21%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on December 1, 2017. It was a forward split with a ratio of 1.1:1.

Last Split Date	Dec 1, 2017
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4