📊 PEBK Key Takeaways
Is Peoples Bancorp Of North Carolina Inc. (PEBK) a Good Investment?
Peoples Bancorp demonstrates strong revenue growth of 41.7% YoY with healthy operating margins (30.9%) and a debt-free balance sheet, but profitability concerns are evident as net income remains flat despite significant revenue expansion. The very tight interest coverage ratio of 1.1x combined with margin compression between revenue and net income growth suggests operational challenges that warrant close monitoring before upgrading the rating.
Why Buy Peoples Bancorp Of North Carolina Inc. Stock? PEBK Key Strengths
- Exceptional revenue growth of 41.7% YoY indicates strong market position and business expansion
- Strong operating margin of 30.9% and net margin of 23.7% demonstrate pricing power and operational efficiency
- Zero long-term debt with 157.1M stockholders equity and 58.1M cash position provides financial fortress and flexibility
- Healthy free cash flow generation of 20.0M with 23.9% FCF margin supports sustainability and capital allocation options
PEBK Stock Risks: Peoples Bancorp Of North Carolina Inc. Investment Risks
- Critical profitability disconnect: net income flat (0% YoY) despite 41.7% revenue growth indicates severe margin compression or emerging operational challenges
- Dangerously low interest coverage ratio of 1.1x leaves minimal cushion for interest rate fluctuations or economic stress in banking operations
- Low return on assets at 1.2% suggests asset quality issues or inefficient loan portfolio deployment typical of banking sector deterioration
- Disconnect between EPS growth (21.5%) and flat net income suggests reliance on share buybacks to mask earnings stagnation rather than fundamental improvement
Key Metrics to Watch
- Net interest margin trends and loan loss provisions as percentage of average assets
- Interest coverage ratio trajectory - must exceed 1.5x to indicate improving credit quality
- Net income growth acceleration relative to revenue growth to confirm margin recovery
- Non-performing loan ratios and credit quality indicators
Peoples Bancorp Of North Carolina Inc. (PEBK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 23.9% 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 rating of HOLD with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PEBK's key strengths?
Claude: Exceptional revenue growth of 41.7% YoY indicates strong market position and business expansion. Strong operating margin of 30.9% and net margin of 23.7% demonstrate pricing power and operational efficiency.
What are the risks of investing in PEBK?
Claude: Critical profitability disconnect: net income flat (0% YoY) despite 41.7% revenue growth indicates severe margin compression or emerging operational challenges. Dangerously low interest coverage ratio of 1.1x leaves minimal cushion for interest rate fluctuations or economic stress in banking operations.
What is PEBK's revenue and growth?
Peoples Bancorp Of North Carolina Inc. reported revenue of $83.6M.
Does PEBK pay dividends?
Peoples Bancorp Of North Carolina Inc. pays dividends, with $5.2M 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 $3.62.
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 rating reflects both perspectives for balanced insights.
Is PEBK a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Peoples Bancorp Of North Carolina Inc. has a HOLD rating with 65% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is PEBK stock overvalued or undervalued?
Valuation metrics for PEBK: ROE of 12.6% (sector avg: 12%), net margin of 23.7% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy PEBK stock in 2026?
Our dual AI analysis gives Peoples Bancorp Of North Carolina Inc. a combined HOLD rating 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 $21.4M, with capital expenditures of $1.4M. FCF margin is 23.9%.
How does PEBK compare to other Finance stocks?
Vs Finance sector averages: Net margin 23.7% (avg: 25%), ROE 12.6% (avg: 12%), current ratio N/A (avg: 1.2).