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Upturn AI Summary - About
Peoples Bancorp of North Carolina(PEBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PEBK
10/28/2026: PEBK (3-star) is a REGULAR-BUY. BUY for 9 days. Simulated Profits (-0.83%). Updated daily EoD!
Peoples Bancorp of North Carolina is an independent regional bank holding company centered in western North Carolina that provides traditional lending, deposit, and wealth management services. The stock offers a stable, value-oriented investment profile driven by conservative credit underwriting and a long-standing reputation for community engagement. While its primary opportunity lies in serving growing commercial markets like the I-40 corridor, it faces risks from interest rate volatility and competitive pressure from larger national banking chains. Suited for value and dividend-focused investors, the company's performance is driven by net interest margins; investors should monitor its ability to balance digital modernization with its traditional, relationship-based service model.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | While the firm has shown consistent growth, it is a stable, mature regional bank rather than a high-growth technology play. |
| Momentum investor | Mixed fit | The stock tends to trade based on fundamental banking trends and interest rate cycles rather than rapid momentum spikes. |
| Value investor | Strong fit | Trading at moderate P/E ratios and offering dividends, it appeals to investors looking for fundamentally sound bank assets. |
| Dividend investor | Strong fit | The company has a history of reliable dividend payments, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | Its conservative lending practices and long-standing operational stability make it a lower-volatility banking option. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can fluctuate based on broader interest rate and economic cycles. |
| Valuation risk | Low | The stock generally trades in line with fundamental banking valuation metrics. |
| Competition risk (Regional Banking) | Medium / high | Intense competition from larger banks for local deposits and loans can compress margins. |
| Business quality | Strong | The company has a 100+ year track record of operational stability and conservative management. |
| Dividend income | Medium | Dividends are stable but modest compared to higher-yield fixed income alternatives. |
| Execution risk | Low | Management has maintained a consistent strategy for several decades. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 32.61% | Avg. Invested days 54 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 232.68M USD | Price to earnings Ratio 10.88 | 1Y Target Price 13 |
Price to earnings Ratio 10.88 | 1Y Target Price 13 | ||
Volume (30-day avg) 27.1K shares | Beta 0.31 | 52 Weeks Range 26.63 - 45.56 | Updated Date 10/28/2026 |
52 Weeks Range 26.63 - 45.56 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 1.90% | Basic EPS (TTM) 4.02 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way the bank makes profit by lending out money it holds in deposits at a higher rate than it pays to depositors. |
| Non-Interest Income | Service fees, mortgage banking activities, and debit/credit card interchange fees. | Supplemental income from everyday banking services that provides stability beyond interest rates. |
Earnings Date
Report Date 2026-10-19 | When Before Market | Estimate - | Actual 1.05 |
Profitability
Profit Margin 24.01% | Operating Margin (TTM) 32.72% |
Management Effectiveness
Return on Assets (TTM) 1.26% | Return on Equity (TTM) 14.32% |
Valuation
Trailing PE 10.88 | Forward PE 12.71 | Enterprise Value 194.12M | Price to Sales(TTM) 2.54 |
Enterprise Value 194.12M | Price to Sales(TTM) 2.54 | ||
Enterprise Value to Revenue 3.17 | Enterprise Value to EBITDA - | Shares Outstanding 5.32M | Shares Floating 4.54M |
Shares Outstanding 5.32M | Shares Floating 4.54M | ||
Percent Insiders 19.12 | Percent Institutions 47.65 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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