Peoples Bancorp of North Carolina, Inc. (PEBK)

PEBK Statistics

Total Valuation

PEBK has a market cap or net worth of $209.72 million. The enterprise value is $163.98 million.

Market Cap	209.72M
Enterprise Value	163.98M

Important Dates

The next estimated earnings date is Monday, April 20, 2026, before market open.

Earnings Date	Apr 20, 2026
Ex-Dividend Date	Mar 4, 2026

Share Statistics

PEBK has 5.46 million shares outstanding. The number of shares has decreased by -0.21% in one year.

Current Share Class	5.31M
Shares Outstanding	5.46M
Shares Change (YoY)	-0.21%
Shares Change (QoQ)	+0.19%
Owned by Insiders (%)	15.53%
Owned by Institutions (%)	45.13%
Float	4.27M

Valuation Ratios

The trailing PE ratio is 10.27.

PE Ratio	10.27
Forward PE	n/a
PS Ratio	2.28
Forward PS	n/a
PB Ratio	1.26
P/TBV Ratio	1.29
P/FCF Ratio	10.17
P/OCF Ratio	9.50
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	8.27
EV / Sales	1.84
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	8.22

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 13.79%.

Return on Equity (ROE)	13.79%
Return on Assets (ROA)	1.18%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.54%
Revenue Per Employee	$322,678
Profits Per Employee	$71,848
Employee Count	276
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PEBK has paid $6.02 million in taxes.

Income Tax	6.02M
Effective Tax Rate	23.29%

Stock Price Statistics

The stock price has increased by +37.71% in the last 52 weeks. The beta is 0.33, so PEBK's price volatility has been lower than the market average.

Beta (5Y)	0.33
52-Week Price Change	+37.71%
50-Day Moving Average	37.66
200-Day Moving Average	32.67
Relative Strength Index (RSI)	49.50
Average Volume (20 Days)	24,090

Short Selling Information

The latest short interest is 37,963, so 0.70% of the outstanding shares have been sold short.

Short Interest	37,963
Short Previous Month	41,765
Short % of Shares Out	0.70%
Short % of Float	0.89%
Short Ratio (days to cover)	7.13

Income Statement

In the last 12 months, PEBK had revenue of $89.06 million and earned $19.83 million in profits. Earnings per share was $3.62.

Revenue	89.06M
Gross Profit	89.06M
Operating Income	26.63M
Pretax Income	25.85M
Net Income	19.83M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.62

Balance Sheet

The company has $58.11 million in cash and $19.08 million in debt, with a net cash position of $39.03 million or $7.15 per share.

Cash & Cash Equivalents	58.11M
Total Debt	19.08M
Net Cash	39.03M
Net Cash Per Share	$7.15
Equity (Book Value)	157.12M
Book Value Per Share	29.59
Working Capital	-1.44B

Cash Flow

In the last 12 months, operating cash flow was $21.37 million and capital expenditures -$1.41 million, giving a free cash flow of $19.96 million.

Operating Cash Flow	21.37M
Capital Expenditures	-1.41M
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	19.96M
FCF Per Share	$3.65

Margins

Gross Margin	n/a
Operating Margin	29.90%
Pretax Margin	29.03%
Profit Margin	22.27%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	22.41%

Dividends & Yields

This stock pays an annual dividend of $0.97, which amounts to a dividend yield of 2.61%.

Dividend Per Share	$0.97
Dividend Yield	2.61%
Dividend Growth (YoY)	5.38%
Years of Dividend Growth	4
Payout Ratio	27.07%
Buyback Yield	0.21%
Shareholder Yield	2.82%
Earnings Yield	9.77%
FCF Yield	9.83%

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