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Upturn AI SWOT - About
PEBK 
Peoples Bancorp of North Carolina (PEBK)
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Upturn Advisory Summary
08/14/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -7.01% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
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 was founded in 1912 and has grown from a small, local bank to a regional financial institution. It has expanded its services through acquisitions and organic growth, focusing on community banking principles.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and small businesses, including deposit accounts, loans, and other financial products.
- Mortgage Lending: Offers mortgage loans for residential properties.
- Wealth Management: Provides investment and trust services to individuals and businesses.
Leadership and Structure
The company is led by a board of directors and an executive management team, which includes the CEO, CFO, and other senior executives. The organizational structure is typical of a regional bank, with various departments responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, such as working capital, expansion, and equipment purchases. Competitors include Truist (TFC) and Bank of America (BAC). Market share data is not publicly available specifically for Peoples Bancorp in the commercial loan segment, but it competes within the broader regional banking market.
- Mortgage Loans: Offers mortgage loans to individuals for purchasing or refinancing residential properties. Competitors include Wells Fargo (WFC) and US Bancorp (USB). Market share is fragmented, and data for Peoples Bancorp's specific market share is not readily available but estimated as low in the market.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Competitors include regional banks and national banks like JPMorgan Chase (JPM) and PNC Financial (PNC). No market share data is available.
Market Dynamics
Industry Overview
The banking industry is currently facing a changing environment due to the pressure in higher interest rates as well as an increase in regulation.
Positioning
Peoples Bancorp of North Carolina positions itself as a community-focused bank, emphasizing local relationships and personalized service. This differentiates it from larger national banks but places it in competition with other regional and community banks.
Total Addressable Market (TAM)
The TAM for banking services in North Carolina is estimated in the billions of dollars. Peoples Bancorp is positioned to capture a portion of this market through its community focus and regional presence.
Upturn SWOT Analysis
Strengths
- Strong local presence and reputation
- Experienced management team
- Customer relationships
- Good asset quality
Weaknesses
- Limited geographic reach compared to larger banks
- Smaller capital base may restrict growth
- Reliance on traditional banking products
- Lack of technological advancements for consumers
Opportunities
- Expansion into new markets within North Carolina
- Increased demand for digital banking services
- Potential acquisitions of smaller banks
- Growing wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Economic downturn affecting loan quality
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- TFC
- BAC
- USB
- PNC
- ALLY
Competitive Landscape
Peoples Bancorp faces intense competition from larger national and regional banks with greater resources and broader service offerings. Its advantage lies in its local knowledge and customer relationships, but it must adapt to changing customer preferences and technological advancements to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends not available.
Future Projections: Future projections not available.
Recent Initiatives: Recent Initiatives not available.
Summary
Peoples Bancorp of North Carolina is a community-focused bank with a strong local presence, however, it is weak with its limited geographic reach. The company is known for its experienced management team and good asset quality. It needs to look out for competition from larger banks and changes in banking regulations. To strengthen its position, it can expand into new markets and adapt to demand for digital services.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
- Analyst Estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share and financial data are estimates based on available information and may not be precise.
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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