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PEBK 
Peoples Bancorp of North Carolina (PEBK)
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Upturn Advisory Summary
01/06/2026: 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 -3.59% | 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 01/06/2026 |
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 (NASDAQ: PEBK) was founded in 1962. It has grown from a single branch into a community-focused bank operating primarily in North Carolina. Significant milestones include its expansion into new markets and its commitment to customer service and local engagement.
Core Business Areas
- Community Banking: Offers a full range of traditional banking products and services, including checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), and various loan products (mortgage, commercial, consumer).
- Wealth Management: Provides investment and financial planning services through its wealth management division, assisting clients with retirement planning, estate planning, and investment management.
- Mortgage Lending: Specializes in originating and servicing residential mortgage loans.
Leadership and Structure
Peoples Bancorp of North Carolina is led by a Board of Directors and a management team responsible for strategic direction and day-to-day operations. Specific leadership details are available in their official SEC filings and company reports.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Core deposit products serving individuals and businesses. Competitors include national banks, regional banks, and credit unions.
- Residential Mortgage Loans: Offers a variety of mortgage products to meet diverse customer needs. Major competitors include large national mortgage lenders and other community banks.
- Commercial Loans: Provides financing for small and medium-sized businesses in its operating regions. Competitors include other community banks and larger commercial lenders.
Market Dynamics
Industry Overview
The US banking industry is highly competitive, characterized by evolving customer preferences, technological advancements (fintech), and a complex regulatory environment. Community banks like Peoples Bancorp of North Carolina often focus on personalized service and local market expertise to differentiate themselves.
Positioning
Peoples Bancorp of North Carolina positions itself as a community-focused bank offering personalized service and tailored financial solutions. Its competitive advantages lie in its local market knowledge, strong customer relationships, and commitment to the communities it serves.
Total Addressable Market (TAM)
The TAM for community banking services in the US is substantial, encompassing deposits, loans, and wealth management for millions of individuals and businesses. Peoples Bancorp of North Carolina targets a specific regional segment within this broad market, focusing on its established geographic footprint.
Upturn SWOT Analysis
Strengths
- Strong local market presence and brand recognition in North Carolina.
- Loyal customer base built on personalized service.
- Experienced management team with deep understanding of the local economy.
- Diversified product offering within community banking.
Weaknesses
- Limited geographic diversification compared to larger national banks.
- Potential susceptibility to regional economic downturns.
- Smaller marketing budget and technological resources compared to larger competitors.
Opportunities
- Expansion into adjacent geographic markets within North Carolina.
- Leveraging technology to enhance digital banking services and customer experience.
- Strategic partnerships to broaden service offerings.
- Growth in the wealth management segment.
Threats
- Intensified competition from national banks and fintech companies.
- Rising interest rate environment impacting loan demand and net interest margins.
- Increasing regulatory compliance costs.
- Cybersecurity risks and data breaches.
Competitors and Market Share
Key Competitors
- First Bancorp (NC) (FBNC)
- Southern BancShares (NC) Inc. (OTC: SBKN)
- First Citizens BancShares (FCNCA)
Competitive Landscape
Peoples Bancorp of North Carolina competes in a fragmented market. Its advantages include strong local ties and personalized service. Disadvantages can be its scale relative to larger regional and national players who can leverage greater economies of scale and broader technological investment.
Growth Trajectory and Initiatives
Historical Growth: Peoples Bancorp of North Carolina has demonstrated steady, albeit moderate, growth driven by organic expansion and prudent lending practices. Its growth trajectory is often tied to the economic health of its operating regions.
Future Projections: Future growth projections are typically provided by financial analysts covering the stock and are based on macro-economic forecasts, interest rate outlooks, and company-specific strategies. These are found in analyst reports and financial news.
Recent Initiatives: Recent initiatives may include digital banking enhancements, targeted loan origination strategies, and community outreach programs aimed at fostering deeper customer relationships and expanding market penetration.
Summary
Peoples Bancorp of North Carolina is a well-established community bank with a strong regional presence and a loyal customer base. Its core strengths lie in personalized service and local market expertise, enabling it to navigate the competitive banking landscape. However, it faces challenges from larger institutions and the evolving digital banking environment, necessitating strategic investment in technology and potential geographic expansion to ensure sustained future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Official SEC Filings (10-K, 10-Q)
- Company Investor Relations Website
- Reputable Financial Data Aggregators (e.g., Yahoo Finance, Bloomberg - for general market data and historical performance)
- Industry Analysis Reports (general market context)
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. It is not financial advice. Investors should conduct their own due diligence before making any investment decisions. Market share data and competitor information are estimations based on available public data and may not reflect precise current standings.
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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