PEBK - Peoples Bancorp of North Carolina Stock Price, Fair Value and News

29.84USD-0.79 (-2.58%)Delayed

Market Summary

USD29.84-0.79

Delayed

-2.58%

PEBK Stock Price

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PEBK RSI Chart

PEBK Valuation

Market Cap

157.9M

Price/Earnings (Trailing)

9.67

Price/Sales (Trailing)

2.25

EV/EBITDA

1.15

Price/Free Cashflow

9.34

PEBK Price/Sales (Trailing)

PEBK Profitability

EBT Margin

29.40%

Return on Equity

13.48%

Return on Assets

0.98%

Free Cashflow Yield

10.7%

PEBK Fundamentals

PEBK Revenue

Revenue (TTM)

70.2M

Rev. Growth (Yr)

-9.9%

Rev. Growth (Qtr)

-20.98%

PEBK Earnings

Earnings (TTM)

16.3M

Earnings Growth (Yr)

24.46%

Earnings Growth (Qtr)

14.8%

Breaking Down PEBK Revenue

Last 7 days

-3.1%

Last 30 days

8.3%

Last 90 days

21.7%

Trailing 12 Months

50.4%

How does PEBK drawdown profile look like?

PEBK Financial Health

PEBK Investor Care

Dividend Yield

3.08%

Dividend/Share (TTM)

0.92

Buy Backs (1Y)

99.90%

Diluted EPS (TTM)

2.93

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	70.2M	0	0	0
2023	59.9M	65.5M	69.2M	71.9M
2022	46.6M	46.1M	49.3M	54.4M
2021	47.6M	48.5M	48.1M	47.2M
2020	49.7M	48.9M	48.4M	48.0M
2019	46.8M	48.1M	48.9M	49.6M
2018	42.6M	43.2M	44.2M	45.4M
2017	40.0M	40.6M	41.3M	41.9M
2016	39.0M	39.6M	39.7M	39.8M
2015	38.4M	38.1M	38.4M	38.7M
2014	30.6M	31.3M	31.7M	38.4M
2013	31.5M	30.6M	30.1M	30.2M
2012	35.2M	33.6M	32.0M	32.8M
2011	39.8M	39.4M	38.7M	36.4M
2010	0	46.8M	43.5M	40.2M
2009	0	0	0	50.0M

Get all data in R, Python etc through our Historical Stock Data APIs

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Tracking the Latest Insider Buys and Sells of Peoples Bancorp of North Carolina

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 10, 2024	abernethy james s	gifted	-15,405	30.81	-500	-
May 03, 2024	abernethy james s	acquired	62,380	31.19	2,000	-
Feb 23, 2024	abernethy james s	sold	-73,500	24.5	-3,000	-
Dec 31, 2023	zachary benjamin i	acquired	2,572	24.27	106	-
Dec 21, 2023	robinson larry e	acquired	4,007	27.45	146	-
Dec 21, 2023	sellers lance a	acquired	3,019	27.45	110	president & ceo
Dec 04, 2023	abernethy james s	sold	-54,240	27.12	-2,000	-
Nov 22, 2023	abernethy james s	gifted	-5,354	26.77	-200	-
Nov 01, 2023	abernethy james s	gifted	-17,784	22.8	-780	-

Which funds bought or sold PEBK recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	JANE STREET GROUP, LLC	new	-	250,845	250,845	-%
May 15, 2024	MILLENNIUM MANAGEMENT LLC	added	88.09	508,031	1,199,110	-%
May 15, 2024	Royal Bank of Canada	unchanged	-	-	3,000	-%
May 15, 2024	MALTESE CAPITAL MANAGEMENT LLC	reduced	-4.09	-73,987	467,463	0.09%
May 15, 2024	GENDELL JEFFREY L	unchanged	-	-672,887	6,064,700	0.23%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	2.48	-128,315	2,218,840	0.04%
May 15, 2024	683 Capital Management, LLC	sold off	-100	-248,510	-	-%
May 15, 2024	Tower Research Capital LLC (TRC)	added	20.00	1,004	13,535	-%
May 15, 2024	Strategic Value Bank Partners LLC	reduced	-0.08	-936,159	8,370,620	5.47%
May 15, 2024	BARCLAYS PLC	reduced	-36.77	-3,000	4,000	-%

Are Funds Buying or Selling PEBK?

Are funds buying PEBK calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own PEBK

No. of Funds

Unveiling Peoples Bancorp of North Carolina's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	fourthstone llc	9.68%	536,725	SC 13G/A
Feb 14, 2024	strategic value investors lp	5.4%	300,801	SC 13G/A
Feb 14, 2023	fourthstone llc	7.43%	419,080	SC 13G
Jan 31, 2023	strategic value bank partners llc	5.5%	309,636	SC 13G/A
Dec 28, 2022	abernethy robert c	6.62%	373,693	SC 13D/A
Dec 28, 2022	abernethy james s	4.56%	257,411	SC 13D/A
Feb 11, 2022	strategic value bank partners llc	5.5%	309,636	SC 13G
Dec 20, 2021	abernethy james s	7.45%	421,531	SC 13D/A
Dec 20, 2021	abernethy robert c	9.34%	529,010	SC 13D/A
Jul 20, 2021	abernethy robert c	15.43%	893,375	SC 13D

Recent SEC filings of Peoples Bancorp of North Carolina

View All Filings

Date Filed	Form Type	Document
May 10, 2024	4	Insider Trading
May 06, 2024	4	Insider Trading
May 03, 2024	144	Notice of Insider Sale Intent
May 03, 2024	8-K	Current Report
May 02, 2024	10-Q	Quarterly Report
Apr 22, 2024	8-K	Current Report
Mar 27, 2024	DEF 14A	DEF 14A
Mar 07, 2024	10-K	Annual Report
Mar 07, 2024	8-K/A	Current Report
Feb 27, 2024	8-K	Current Report

Peers (Alternatives to Peoples Bancorp of North Carolina)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Peoples Bancorp of North Carolina News

Latest updates

Peoples Bancorp of North Carolina Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-21.0%	15.00	19.00	18.00	18.00	17.00	16.00	15.00	12.00	11.00	11.00	11.00	13.00	12.00	12.00	12.00	12.00	12.00	13.00	12.00	12.00	12.00
EBITDA Margin	12.1%	0.74*	0.66*	0.73*	0.75*	0.74*	0.80*	0.77*	0.77*	0.80*	0.80*	0.76*	0.98*	1.14*	1.30*	1.31*	-	-	-	-	-	-
Interest Expenses	-51.0%	7.00	13.00	5.00	4.00	2.00	15.00	1.00	1.00	1.00	11.00	1.00	1.00	1.00	11.00	11.00	11.00	11.00	11.00	11.00	12.00	11.00
Income Taxes	-20.0%	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.00	0.00	1.00	1.00	1.00	1.00
Earnings Before Taxes	7.0%	5.00	4.00	5.00	6.00	4.00	5.00	7.00	4.00	4.00	4.00	4.00	6.00	5.00	2.00	6.00	3.00	3.00	4.00	4.00	5.00	4.00
EBT Margin	6.0%	0.29*	0.28*	0.30*	0.34*	0.33*	0.37*	0.38*	0.35*	0.39*	0.40*	0.36*	0.39*	0.34*	0.29*	0.31*	-	-	-	-	-	-
Net Income	14.8%	4.00	3.00	4.00	5.00	3.00	4.00	5.00	3.00	3.00	3.00	3.00	5.00	4.00	2.00	5.00	3.00	2.00	3.00	4.00	4.00	4.00
Net Income Margin	7.5%	0.23*	0.22*	0.23*	0.27*	0.26*	0.30*	0.30*	0.28*	0.31*	0.32*	0.29*	0.31*	0.28*	0.24*	0.26*	-	-	-	-	-	-
Free Cashflow	-33.0%	4.00	5.00	4.00	4.00	7.00	5.00	5.00	1.00	7.00	9.00	1.00	5.00	12.00	1.00	1.00	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	2.1%	1,670	1,636	1,607	1,612	1,603	1,621	1,676	1,677	1,663	1,624	1,616	1,600	1,538	1,416	1,459	1,426	1,245	1,155	1,223	1,117	1,111
Cash Equivalents	19.1%	98.00	82.00	77.00	89.00	83.00	72.00	155	224	305	277	263	287	209	162	204	52.00	104	52.00	130	39.00	51.00
Net PPE	-2.2%	16.00	17.00	17.00	17.00	18.00	18.00	19.00	16.00	16.00	16.00	17.00	17.00	18.00	19.00	19.00	18.00	18.00	19.00	19.00	19.00	18.00
Liabilities	2.2%	1,548	1,515	1,500	1,499	1,488	1,516	1,572	1,564	1,537	1,482	1,473	1,454	1,398	1,276	1,319	1,289	1,111	1,021	1,091	987	985
Shareholder's Equity	0.1%	121	121	107	112	115	105	104	112	125	142	144	145	140	140	139	137	134	134	133	130	127
Retained Earnings	1.8%	112	110	107	104	101	100	97.00	93.00	91.00	89.00	87.00	85.00	81.00	78.00	77.00	73.00	71.00	71.00	69.00	66.00	63.00
Shares Outstanding	-1.4%	5.00	6.00	6.00	-	5,637	-	-	-	-	5,662	-	6.00	6.00	6.00	6.00	6.00	-	-	-	-	-
Float	-	-	-	-	82.00	-	-	-	126	-	-	-	114	-	-	-	78.00	-	-	-	137	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-35.8%	3,669	5,714	4,189	4,835	8,042	5,343	8,443	1,708	7,163	9,602	886	4,628	11,784	1,086	2,093	4,096	1,887	4,120	3,685	1,168	4,224
Cashflow From Investing	-24.3%	-16,841	-13,546	-15,809	-6,633	35,235	-31,898	-83,631	-109,251	-31,196	-1,990	-39,309	17,652	-82,491	455	-21,102	-90,691	-37,634	-12,698	-12,874	-13,582	-9,027
Cashflow From Financing	112.6%	28,893	13,588	-802	7,818	-31,852	-57,310	6,942	26,144	51,640	6,579	14,422	55,992	118,164	-44,189	33,598	172,715	86,879	-68,588	99,920	22.00	12,647
Dividend Payments	-100.0%	-	1,056	1,058	1,069	1,925	1,020	1,019	1,019	1,877	966	967	930	930	872	873	868	1,779	831	831	832	1,445
Buy Backs	516.7%	1,998	324	840	833	-	116	-	395	199	-	-3,605	-	-	-	-	5,998	-2,999	2,490	-577	-1,761	-152

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PEBK Income Statement

2024-03-31

Consolidated Statements of Earnings - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Interest and fees on loans	$ 15,138	$ 12,883
Interest on due from banks	907	383
Interest on investment securities:
U.S. Government sponsored enterprises	2,591	2,230
States and political subdivisions	695	862
Other	479	443
Total interest income	19,810	16,801
Interest expense:
Interest-bearing demand, MMDA & savings deposits	2,060	1,488
Time deposits	3,681	516
Junior subordinated debentures	284	248
Other expenses	481	211
Total interest expense	6,506	2,463
Net interest income	13,304	14,338
Provision for credit losses	91	224
Net interest income after provision for credit losses	13,213	14,114
Non-interest income:
Service charges	1,340	1,341
Other service charges and fees	184	182
Loss on sale of securities, net	0	2,488
Mortgage banking income	51	93
Insurance and brokerage commissions	246	228
Appraisal management fee income	2,414	2,094
Miscellaneous	1,803	2,161
Total non-interest income	6,038	3,611
Non-interest expense:
Salaries and employee benefits	6,980	6,500
Occupancy	2,111	2,014
Professional fees	392	399
Advertising	199	189
Debit card expense	312	273
FDIC insurance	191	110
Appraisal management fee expense	1,904	1,650
Other	2,427	2,567
Total non-interest expense	14,516	13,702
Earnings before income taxes	4,735	4,023
Income tax expense	787	851
Net earnings	$ 3,948	$ 3,172
Basic net earnings per share	$ 0.74	$ 0.58
Diluted net earnings per share	0.72	0.56
Cash dividends declared per share	$ 0.35	$ 0.34

PEBK Balance Sheet

2024-03-31

Consolidated Balance Sheets - USD ($)	Mar. 31, 2024	Dec. 31, 2023
Consolidated Balance Sheets
Cash and due from banks	$ 26,272,000	$ 32,819,000
Interest-bearing deposits	71,824,000	49,556,000
Cash and cash equivalents	98,096,000	82,375,000
Investment securities available for sale	394,664,000	391,924,000
Other investments	2,858,000	2,874,000
Total securities	397,522,000	394,798,000
Mortgage loans held for sale	1,292,000	686,000
Loans	1,106,670,000	1,093,066,000
Less allowance for credit losses	10,847,000	11,041,000
Net loans	1,095,823,000	1,082,025,000
Premises and equipment, net	16,330,000	16,702,000
Cash surrender value of life insurance	18,250,000	18,134,000
Right of use lease asset	4,553,000	4,731,000
Accrued interest receivable and other assets	37,694,000	36,459,000
Total assets	1,669,560,000	1,635,910,000
Deposits:
Noninterest-bearing demand	462,966,000	432,687,000
Interest-bearing demand, MMDA & savings	633,740,000	620,244,000
Time, over $250,000	148,819,000	148,904,000
Other time	206,839,000	190,210,000
Total deposits	1,452,364,000	1,392,045,000
Securities sold under agreements to repurchase	59,216,000	86,715,000
Junior subordinated debentures	15,464,000	15,464,000
Lease liability	4,660,000	4,832,000
Accrued interest payable and other liabilities	16,764,000	15,838,000
Total liabilities	1,548,468,000	1,514,894,000
Shareholders' equity:
Preferred stock, no par value; authorized 5,000,000 shares; no shares issued and outstanding	0	0
Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,455,999 shares at March 31, 2024 and 5,534,499 shares at December 31, 2023	48,627,000	50,625,000
Common stock held by deferred compensation trust, at cost; 164,970 shares at March 31, 2024 and 158,356 shares at December 31, 2023	(1,943,000)	(1,910,000)
Deferred compensation	1,943,000	1,910,000
Retained earnings	111,775,000	109,756,000
Accumulated other comprehensive loss	(39,310,000)	(39,365,000)
Total shareholders' equity	121,092,000	121,016,000
Total liabilities and shareholders' equity	$ 1,669,560,000	$ 1,635,910,000

About Peoples Bancorp of North Carolina

Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various commercial and consumer banking products and services to individuals and small to medium-sized businesses. It offers checking, savings, money market, and time deposits; demand deposits; and certificates of deposit, as well as borrowed funds. The company's loan products comprise commercial real estate, commercial, construction and land development, single-family residential, residential mortgage, and individual taxpayer identification number mortgage loans, as well as agricultural loans. In addition, it 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, the company operates as a clearing-house for the provision of appraisal services for community banks; and acquires, manages, and disposes real property, other collateral, and other assets obtained in the ordinary course of collecting debts, as well as offers insurance agency services. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.

CEO	Mr. Lance A. Sellers
WEBSITE	peoplesbanknc.com
INDUSTRY	Banks Diversified
EMPLOYEES	279

Peoples Bancorp of North Carolina Frequently Asked Questions

What is the ticker symbol for Peoples Bancorp of North Carolina? What does PEBK stand for in stocks?

PEBK is the stock ticker symbol of Peoples Bancorp of North Carolina. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Peoples Bancorp of North Carolina (PEBK)?

As of Fri May 17 2024, market cap of Peoples Bancorp of North Carolina is 157.88 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of PEBK stock?

You can check PEBK's fair value in chart for subscribers.

What is the fair value of PEBK stock?

You can check PEBK's fair value in chart for subscribers. The fair value of Peoples Bancorp of North Carolina is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Peoples Bancorp of North Carolina is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for PEBK so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Peoples Bancorp of North Carolina a good stock to buy?

The fair value guage provides a quick view whether PEBK is over valued or under valued. Whether Peoples Bancorp of North Carolina is cheap or expensive depends on the assumptions which impact Peoples Bancorp of North Carolina's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for PEBK.

What is Peoples Bancorp of North Carolina's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, PEBK's PE ratio (Price to Earnings) is 9.67 and Price to Sales (PS) ratio is 2.25. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. PEBK PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Peoples Bancorp of North Carolina's stock?

In the past 10 years, Peoples Bancorp of North Carolina has provided 0.079 (multiply by 100 for percentage) rate of return.