📊 PEBK Key Takeaways
Is Peoples Bancorp Of North Carolina Inc. (PEBK) a Good Investment?
Peoples Bancorp faces critical operational stress evidenced by flat net income growth despite 41.7% revenue expansion, indicating margin compression or rising loan loss provisions. An interest coverage ratio of 1.0x leaves virtually no financial flexibility—operating income barely covers interest obligations, creating severe vulnerability to economic stress or further deterioration.
Peoples Bancorp Of North Carolina Inc. Key Strengths (PEBK)
- Strong revenue growth of 41.7% YoY demonstrates market expansion
- Solid operating and net margins (27.1% and 21.1%) at the gross level
- Zero long-term debt eliminates refinancing risk and provides capital flexibility
PEBK Stock Risks: Peoples Bancorp Of North Carolina Inc. Investment Risks
- Interest coverage of 1.0x is critically low—minimal buffer between operating income and interest obligations
- Net income flat YoY despite 41.7% revenue growth indicates deteriorating cost structure or credit quality issues
- Severely depressed returns: ROE 2.8% and ROA 0.3% suggest poor capital deployment and operational inefficiency for a financial institution
- Stagnant earnings coupled with tight interest coverage creates vulnerability to economic downturn
Key Metrics to Watch
- Net income growth trajectory and operating expense trends
- Interest coverage ratio and net interest margin stability
- Loan loss provisions and non-performing loan ratio
- Return on equity and return on assets improvement trajectory
Peoples Bancorp Of North Carolina Inc. (PEBK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 21.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
PEBK Profit Margin, ROE & Profitability Analysis
PEBK vs Finance Sector: How Peoples Bancorp Of North Carolina Inc. Compares
How Peoples Bancorp Of North Carolina Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Peoples Bancorp Of North Carolina Inc. Stock Overvalued? PEBK Valuation Analysis 2026
Based on fundamental analysis, Peoples Bancorp Of North Carolina Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Peoples Bancorp Of North Carolina Inc. Balance Sheet: PEBK Debt, Cash & Liquidity
PEBK Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Peoples Bancorp Of North Carolina Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.98 reflects profitable operations.
PEBK Revenue Growth, EPS Growth & YoY Performance
PEBK Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2021 | $4.7M | $2.4M | $0.44 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Peoples Bancorp Of North Carolina Inc. Dividends, Buybacks & Capital Allocation
PEBK SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Peoples Bancorp Of North Carolina Inc. (CIK: 0001093672)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PEBK
What is the AI rating for PEBK?
Peoples Bancorp Of North Carolina Inc. (PEBK) has an AI grade of C with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PEBK's key strengths?
Claude: Strong revenue growth of 41.7% YoY demonstrates market expansion. Solid operating and net margins (27.1% and 21.1%) at the gross level.
What are the risks of investing in PEBK?
Claude: Interest coverage of 1.0x is critically low—minimal buffer between operating income and interest obligations. Net income flat YoY despite 41.7% revenue growth indicates deteriorating cost structure or credit quality issues.
What is PEBK's revenue and growth?
Peoples Bancorp Of North Carolina Inc. reported revenue of $20.9M.
Does PEBK pay dividends?
Peoples Bancorp Of North Carolina Inc. pays dividends, with $2.1M distributed to shareholders in the trailing twelve months.
Where can I find PEBK SEC filings?
Official SEC filings for Peoples Bancorp Of North Carolina Inc. (CIK: 0001093672) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PEBK's EPS?
Peoples Bancorp Of North Carolina Inc. has a diluted EPS of $0.80.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is PEBK's fundamental grade?
Based on our AI fundamental analysis in May 2026, Peoples Bancorp Of North Carolina Inc. has a C grade with 78% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PEBK stock overvalued or undervalued?
Valuation metrics for PEBK: ROE of 2.8% (sector avg: 12%), net margin of 21.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is PEBK's AI grade for 2026?
Our dual AI analysis gives Peoples Bancorp Of North Carolina Inc. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PEBK's free cash flow?
Peoples Bancorp Of North Carolina Inc.'s operating cash flow is $5.0M, with capital expenditures of $448.0K. FCF margin is 21.9%.
How does PEBK compare to other Finance stocks?
Vs Finance sector averages: Net margin 21.1% (avg: 25%), ROE 2.8% (avg: 12%), current ratio N/A (avg: 1.2).