Peoples Bancorp of North Carolina, Inc. (PEBK)

PEBK Statistics

Total Valuation

PEBK has a market cap or net worth of $153.16 million. The enterprise value is $70.47 million.

Market Cap	153.16M
Enterprise Value	70.47M

Important Dates

The last earnings date was Monday, July 21, 2025, before market open.

Earnings Date	Jul 21, 2025
Ex-Dividend Date	Jun 3, 2025

Share Statistics

PEBK has 5.31 million shares outstanding. The number of shares has decreased by -1.06% in one year.

Current Share Class	5.31M
Shares Outstanding	5.31M
Shares Change (YoY)	-1.06%
Shares Change (QoQ)	+0.01%
Owned by Insiders (%)	15.15%
Owned by Institutions (%)	43.52%
Float	4.29M

Valuation Ratios

The trailing PE ratio is 9.28.

PE Ratio	9.28
Forward PE	n/a
PS Ratio	1.82
Forward PS	n/a
PB Ratio	1.06
P/TBV Ratio	1.06
P/FCF Ratio	7.51
P/OCF Ratio	7.08
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	4.14
EV / Sales	0.84
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	3.46

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.95
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.69%.

Return on Equity (ROE)	12.69%
Return on Assets (ROA)	1.02%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$286,160
Profits Per Employee	$57,898
Employee Count	294
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PEBK has paid $5.19 million in taxes.

Income Tax	5.19M
Effective Tax Rate	23.38%

Stock Price Statistics

The stock price has increased by +1.62% in the last 52 weeks. The beta is 0.67, so PEBK's price volatility has been lower than the market average.

Beta (5Y)	0.67
52-Week Price Change	+1.62%
50-Day Moving Average	28.87
200-Day Moving Average	28.74
Relative Strength Index (RSI)	48.91
Average Volume (20 Days)	8,191

Short Selling Information

The latest short interest is 29,009, so 0.55% of the outstanding shares have been sold short.

Short Interest	29,009
Short Previous Month	31,287
Short % of Shares Out	0.55%
Short % of Float	0.68%
Short Ratio (days to cover)	2.92

Income Statement

In the last 12 months, PEBK had revenue of $84.13 million and earned $17.02 million in profits. Earnings per share was $3.11.

Revenue	84.13M
Gross Profit	84.13M
Operating Income	22.98M
Pretax Income	20.73M
Net Income	17.02M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.11

Balance Sheet

The company has $102.00 million in cash and $19.31 million in debt, giving a net cash position of $82.69 million or $15.58 per share.

Cash & Cash Equivalents	102.00M
Total Debt	19.31M
Net Cash	82.69M
Net Cash Per Share	$15.58
Equity (Book Value)	144.01M
Book Value Per Share	27.12
Working Capital	-1.39B

Cash Flow

In the last 12 months, operating cash flow was $21.63 million and capital expenditures -$1.24 million, giving a free cash flow of $20.39 million.

Operating Cash Flow	21.63M
Capital Expenditures	-1.24M
Free Cash Flow	20.39M
FCF Per Share	$3.84

Margins

Gross Margin	n/a
Operating Margin	27.31%
Pretax Margin	26.41%
Profit Margin	20.23%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	24.23%

Dividends & Yields

This stock pays an annual dividend of $0.96, which amounts to a dividend yield of 3.17%.

Dividend Per Share	$0.96
Dividend Yield	3.17%
Dividend Growth (YoY)	2.17%
Years of Dividend Growth	3
Payout Ratio	30.23%
Buyback Yield	1.06%
Shareholder Yield	4.39%
Earnings Yield	11.11%
FCF Yield	13.31%

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