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Upturn AI SWOT - About
PEBK 
Peoples Bancorp of North Carolina (PEBK)
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Upturn Advisory Summary
10/13/2025: PEBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -12.22% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 154.06M USD | Price to earnings Ratio 9.53 | 1Y Target Price 13 |
Price to earnings Ratio 9.53 | 1Y Target Price 13 | ||
Volume (30-day avg) - | Beta 0.63 | 52 Weeks Range 23.12 - 32.63 | Updated Date 06/29/2025 |
52 Weeks Range 23.12 - 32.63 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.75% | Basic EPS (TTM) 3.05 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.17% | Operating Margin (TTM) 28.81% |
Management Effectiveness
Return on Assets (TTM) 1% | Return on Equity (TTM) 12.9% |
Valuation
Trailing PE 9.53 | Forward PE - | Enterprise Value 70960888 | Price to Sales(TTM) 1.86 |
Enterprise Value 70960888 | Price to Sales(TTM) 1.86 | ||
Enterprise Value to Revenue 2.42 | Enterprise Value to EBITDA - | Shares Outstanding 5297760 | Shares Floating 4272697 |
Shares Outstanding 5297760 | Shares Floating 4272697 | ||
Percent Insiders 23.79 | Percent Institutions 45.63 |
Upturn AI SWOT
Peoples Bancorp of North Carolina
Company Overview
History and Background
Peoples Bancorp of North Carolina, Inc. was founded in 1912. It is a community bank holding company providing financial services primarily in North Carolina. It has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Community Banking: Offers traditional banking products and services, including checking and savings accounts, loans, and mortgages to individuals and small businesses.
- Commercial Lending: Provides commercial loans, lines of credit, and other financing solutions to businesses of varying sizes.
- Wealth Management: Offers wealth management services, including investment advice, financial planning, and trust services.
Leadership and Structure
The company is led by a board of directors and an executive management team. It operates through its banking subsidiary, Peoples Bank.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant source of revenue. Market share data is not publicly available at granular levels. Competitors include larger regional and national banks like Truist Financial (TFC) and Bank of America (BAC) offering similar products.
- Residential Mortgages: Residential mortgages are another key product. Precise market share data is unavailable. Competitors include mortgage-focused lenders and larger banks.
- Deposit Accounts: Deposit accounts are the core of the bank's funding. Competitors include online banks and other local/regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and competition from fintech companies.
Positioning
Peoples Bancorp of North Carolina positions itself as a community-focused bank providing personalized service. Its competitive advantages include its local presence and established customer relationships.
Total Addressable Market (TAM)
The TAM consists of all banking and financial services in North Carolina. Peoples Bancorp aims to capture a significant share within its local markets.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experienced management team
- Solid financial performance
- Established customer base
Weaknesses
- Limited geographic footprint
- Dependence on local economy
- Smaller scale compared to larger banks
- Limited product diversification
Opportunities
- Expansion into new markets
- Increased demand for digital banking services
- Acquisition of smaller banks
- Growth in wealth management business
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- TFC
- BAC
- PBHC
Competitive Landscape
Peoples Bancorp faces intense competition from larger regional and national banks. Its advantages lie in its community focus and personalized service, while its disadvantages stem from its smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth analysis unavailable without specifying time period.
Future Projections: Future projections unavailable without specifying time period.
Recent Initiatives: Recent initiatives unavailable without specifying time period.
Summary
Peoples Bancorp of North Carolina is a community-focused bank with strong local ties. Its strength lies in its established customer base and experienced management. However, it faces challenges from larger competitors and the evolving banking landscape. Expanding its digital presence and diversifying revenue streams will be crucial for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Peoples Bancorp of North Carolina
Exchange NASDAQ | Headquaters Newton, NC, United States | ||
IPO Launch date 1995-08-18 | President & CEO Mr. William D. Cable Sr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 281 | Website https://peoplesbanknc.com |
Full time employees 281 | Website https://peoplesbanknc.com | ||
Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses in the United States. The company offers deposit products. It also originates commercial real estate loans, commercial loans, construction and land development loans, single-family residential mortgage loans, as well as agricultural loans. In addition, the company 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. Further, it operates as a clearinghouse for the provision of appraisal services for community banks; and acquires, manages, and disposes of real property, other collateral, and other assets obtained in the ordinary course of collecting debts. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.
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