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PEBK logo PEBK
Upturn stock ratingUpturn stock rating
PEBK logo

Peoples Bancorp of North Carolina (PEBK)

Upturn stock ratingUpturn stock rating
$29.08
Last Close (24-hour delay)
Profit since last BUY2.65%
upturn advisory
Consider higher Upturn Star rating
BUY since 36 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/27/2025: PEBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $13

1 Year Target Price $13

Analysts Price Target For last 52 week
$13Target price
Low$
Current$29.08
high$

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn 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 -

ai summary icon Upturn AI SWOT

Peoples Bancorp of North Carolina

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 281

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.