Peoples Bancorp of North Carolina (PEBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Peoples Bancorp of North Carolina stock (PEBK) is currently trading at $38.60. Peoples Bancorp of North Carolina PE ratio is 10.09. Peoples Bancorp of North Carolina PS ratio (Price-to-Sales) is 2.33. Analyst consensus price target for PEBK is $13.00. WallStSmart rates PEBK as Underperform.
- PEBK PE ratio analysis and historical PE chart
- PEBK PS ratio (Price-to-Sales) history and trend
- PEBK intrinsic value — DCF, Graham Number, EPV models
- PEBK stock price prediction 2025 2026 2027 2028 2029 2030
- PEBK fair value vs current price
- PEBK insider transactions and insider buying
- Is PEBK undervalued or overvalued?
- Peoples Bancorp of North Carolina financial analysis — revenue, earnings, cash flow
- PEBK Piotroski F-Score and Altman Z-Score
- PEBK analyst price target and Smart Rating
Peoples Bancorp of North Carolina
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PEBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Peoples Bancorp of North Carolina (PEBK)
PEBK trades 86% above its Graham fair value of $20.81, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Peoples Bancorp of North Carolina (PEBK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and eps growth. Mixed signals suggest waiting for clearer direction before acting.
Peoples Bancorp of North Carolina (PEBK) Key Strengths (3)
Strong operational efficiency: $23 kept per $100 revenue
Trading at 1.29x book value, attractively priced
Strong profitability: $20 kept per $100 revenue
Supporting Valuation Data
Peoples Bancorp of North Carolina (PEBK) Areas to Watch (6)
Earnings declining -6.90%, profits shrinking
Micro-cap company with very limited liquidity and high volatility
Modest revenue growth at 6.70%
Moderate profitability with room for improvement
Revenue is fairly priced at 2.33x sales
Moderate institutional interest at 42.21%
Supporting Valuation Data
Peoples Bancorp of North Carolina (PEBK) Detailed Analysis Report
Overall Assessment
This company scores 49/100 in our Smart Analysis, earning a D+ grade. Out of 9 metrics analyzed, 3 register as strengths (avg 8.0/10) while 6 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (1.29) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 23.00%, Profit Margin at 19.60%.
The Bear Case
The primary concerns are EPS Growth, Market Cap, Revenue Growth. Some valuation metrics including Price/Sales (2.33) suggest expensive pricing. Growth concerns include Revenue Growth at 6.70%, EPS Growth at -6.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.70% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. EPS Growth and Market Cap are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PEBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PEBK's Price-to-Sales ratio of 2.33x sits near its historical average of 2.27x (83th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 0% below its historical high of 2.33x set in Mar 2026, and 5% above its historical low of 2.23x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Peoples Bancorp of North Carolina (PEBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Peoples Bancorp of North Carolina is a mature, profitable business with steady cash generation. Revenue reached 86M with 7% growth year-over-year. Profit margins of 19.6% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 1170.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 5M in free cash flow and 5M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Peoples Bancorp of North Carolina.
Bottom Line
Peoples Bancorp of North Carolina is a well-established business delivering consistent profitability with 19.6% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(9 last 3 months)
| Insider | Type | Shares |
|---|---|---|
ABERNETHY, JAMES S Director | Sell | -477 |
| Insider | Type | Shares |
|---|---|---|
ABERNETHY, JAMES S Director | Sell | -600 |
| Insider | Type | Shares |
|---|---|---|
ABERNETHY, JAMES S Director | Sell | -1,000 |
| Insider | Type | Shares |
|---|---|---|
ABERNETHY, JAMES S Director | Sell | -600 |
Data sourced from SEC Form 4 filings
Last updated: 8:26:08 AM
About Peoples Bancorp of North Carolina(PEBK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Peoples Bancorp of North Carolina, Inc. is a banking holding company for Peoples Bank that provides a variety of consumer and commercial banking products and services to individuals and small and medium-sized businesses. The company is headquartered in Newton, North Carolina.