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Upturn AI SWOT - About
PEBK 
Peoples Bancorp of North Carolina (PEBK)
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Upturn Advisory Summary
09/11/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit -7.24% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/11/2025 |
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. It has grown through organic expansion and acquisitions, providing financial services to communities in North Carolina. The bank focuses on relationship banking and community involvement.
Core Business Areas
- Commercial Banking: Offers a variety of loan and deposit products to businesses, including commercial real estate, equipment financing, and working capital lines of credit.
- Retail Banking: Provides checking and savings accounts, mortgage loans, and other consumer financial services to individuals and families.
- Wealth Management: Offers trust and investment management services to individuals and institutions.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure is typical of a community bank, with regional presidents and department heads reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans for businesses of all sizes within North Carolina. Market share is difficult to pinpoint exactly but banks such as Truist (TFC) and Bank of America (BAC) are larger competitors.
- Residential Mortgages: Mortgages for residential real estate. Competitors include national lenders like Rocket Mortgage (RKT) and local banks.
- Deposit Accounts: Checking, savings, and money market accounts for consumers and businesses. Competitors include national banks like Wells Fargo (WFC) and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulation, and competition from fintech companies. Community banks are focused on maintaining strong relationships with their customers and providing personalized service.
Positioning
Peoples Bancorp of North Carolina is positioned as a community-focused bank that provides personalized service and local expertise. This differentiates it from larger national banks. They offer a full range of banking services to consumers and businesses.
Total Addressable Market (TAM)
The total addressable market for banking services in North Carolina is significant. Peoples Bancorp is positioned to capture a portion of this market by focusing on local relationships and personalized service.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Strong capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on the local economy
- Limited technological capabilities
Opportunities
- Expansion into new markets
- Increased demand for local banking services
- Adoption of new technologies
- Acquisition opportunities
Threats
- Increased competition from national banks
- Economic downturn
- Rising interest rates
- Increased regulation
Competitors and Market Share
Key Competitors
- TFC
- BAC
- WFC
Competitive Landscape
Peoples Bancorp competes with larger regional and national banks, as well as smaller community banks. Its advantages include its local presence and personalized service. Its disadvantages include its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are not readily available.
Future Projections: Future projections require analyst estimates that are not readily available.
Recent Initiatives: Recent strategic initiatives are not readily available.
Summary
Peoples Bancorp of North Carolina is a community-focused bank with a strong local presence. It faces competition from larger banks but differentiates itself through personalized service. Growth opportunities exist through expansion and technology adoption. Economic downturns and rising interest rates pose potential threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Google Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share and other data are estimates and may not be precise. Actual results may vary.
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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