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Upturn AI SWOT - About
PEBK 
Peoples Bancorp of North Carolina (PEBK)
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Upturn Advisory Summary
06/27/2025: PEBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $13
1 Year Target Price $13
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.94% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
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 |
Analyst Ratings
Rating - | Target Price 13 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Peoples Bancorp of North Carolina
Company Overview
History and Background
Peoples Bancorp of North Carolina, Inc. was founded in 1912 as Peoples Bank & Trust Company. It has grown organically and through acquisitions, expanding its footprint across North Carolina. It emphasizes community banking principles and relationship-based service.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and small to medium-sized businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers wealth management and trust services to individuals and families.
- Mortgage Banking: Provides mortgage lending services.
Leadership and Structure
The leadership team comprises experienced banking professionals with a focus on community banking. The organizational structure is typical of a community bank holding company.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment, and real estate. Market share data not readily available. Competitors include larger regional and national banks.
- Residential Mortgages: Mortgages for the purchase or refinance of residential properties. Market share data not readily available. Competitors include national mortgage lenders and other local banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data not readily available. Competitors include other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks are focusing on relationship banking and local market expertise to differentiate themselves.
Positioning
Peoples Bancorp of North Carolina positions itself as a community-focused bank, emphasizing personalized service and local market knowledge. Its competitive advantage lies in its strong relationships with customers and its commitment to the local community.
Total Addressable Market (TAM)
The TAM for banking services in North Carolina is estimated to be in the billions of dollars. Peoples Bancorp of North Carolina holds a small but significant share of this market, primarily focused on its local service areas.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Conservative lending practices
- Stable deposit base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking services
- Potential for higher operating expenses ratio
Opportunities
- Expansion into new markets within North Carolina
- Increased adoption of digital banking technologies
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BBT
- FFBC
- PNC
Competitive Landscape
PEBK's competitive advantage lies in its community focus. Larger banks like BBT (now Truist) have greater resources but may lack personalized service.
Growth Trajectory and Initiatives
Historical Growth: Past growth driven by organic expansion and acquisitions. Financial data needed to quantify growth rates.
Future Projections: Analyst estimates unavailable. Future growth dependent on economic conditions, market share gains, and strategic initiatives.
Recent Initiatives: Focus on improving digital banking offerings and expanding into new markets within North Carolina.
Summary
Peoples Bancorp of North Carolina is a community-focused bank with a stable deposit base and strong local relationships. Its smaller scale and limited geographic reach are weaknesses. Opportunities exist to expand its digital banking capabilities and grow its wealth management business. It faces threats from larger banks and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports (where available)
- Industry publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data may not be precise and should be considered an estimate.
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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