Peoples Bancorp of North Carolina, Inc. (PEBK)

PEBK Statistics

Total Valuation

PEBK has a market cap or net worth of $162.14 million. The enterprise value is $64.38 million.

Market Cap	162.14M
Enterprise Value	64.38M

Important Dates

The last earnings date was Monday, October 20, 2025, before market open.

Earnings Date	Oct 20, 2025
Ex-Dividend Date	Sep 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 (%)	15.02%
Owned by Institutions (%)	43.05%
Float	4.29M

Valuation Ratios

The trailing PE ratio is 9.98.

PE Ratio	9.98
Forward PE	n/a
PS Ratio	1.89
Forward PS	n/a
PB Ratio	1.08
P/TBV Ratio	1.08
P/FCF Ratio	8.08
P/OCF Ratio	7.57
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	3.84
EV / Sales	0.75
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	3.21

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 +5.04% in the last 52 weeks. The beta is 0.38, so PEBK's price volatility has been lower than the market average.

Beta (5Y)	0.38
52-Week Price Change	+5.04%
50-Day Moving Average	30.51
200-Day Moving Average	28.94
Relative Strength Index (RSI)	53.93
Average Volume (20 Days)	9,542

Short Selling Information

The latest short interest is 42,236, so 0.80% of the outstanding shares have been sold short.

Short Interest	42,236
Short Previous Month	40,097
Short % of Shares Out	0.80%
Short % of Float	0.98%
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 3.14%.

Dividend Per Share	$0.96
Dividend Yield	3.14%
Dividend Growth (YoY)	3.26%
Years of Dividend Growth	3
Payout Ratio	31.05%
Buyback Yield	0.35%
Shareholder Yield	3.49%
Earnings Yield	10.33%
FCF Yield	12.38%

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