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PEOPLES BANCORP OF NC

PEBKNASDAQ
πŸ† #3463 by market capUS Equity
$44.47β–² $0.54 (+1.22%)
Market closed Β· at close
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24hβ–² 1.2%
7dβ–² 3.2%
14dβ–Ό 0.1%
30dβ–² 3.5%
ytdβ–² 19.5%
1yβ–² 42.9%
🏦Market Cap
$243M
Small Cap
πŸ“ˆRevenue Growth (YoY)
17.2%
Healthy
πŸ“ŠGross Margin
63.9%
High
πŸ’΅FCF Margin
13.7%
Healthy
βš–οΈP/S Ratio
2.1x
Cheap
Otter Score
72
Strong

Trading Snapshot

Day Range
$44.00 – $44.47
52-Week Range
$27.33 – $45.78
Volume (shares)
4,008
Avg Volume (shares)
β€”
Shares Outstanding
5.5M
Next Earnings
β€”

Fundamentals Snapshot

Annual Revenue
$115M
Last Q Revenue
$29M
P/E Ratio
10.7
P/S Ratio
2.1x
EPS (TTM)
$4.15
Dividend Yield
2.24%
Dilution (1yr)
+46.6%
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PEOPLES BANCORP OF NC

PEBK
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$115Mβ–² +17.2% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
77.7%β–² +6.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$26Mβ–² +23.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$20Mβ–Ό βˆ’0.1% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
8.0Mβ–² +46.6% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$39Mβ–Ό βˆ’$640K YoY
StockOtter Β· stockotter.space

About PEOPLES BANCORP OF NC

Peoples Bancorp of North Carolina, Inc. functions as the holding company for Peoples Bank, delivering a broad spectrum of financial products and services to individuals and small to medium-sized enterprises. Its deposit offerings encompass checking, savings, money market, and demand accounts, along with certificates of deposit (CDs) and time deposits. The bank also handles borrowed funds. For lending, Peoples Bank provides various credit options, including commercial real estate and general commercial loans, construction and land development financing, and agricultural loans. For personal needs, it extends single-family residential, standard residential mortgage, and Individual Taxpayer Identification Number (ITIN) mortgage loans. Beyond traditional banking, the company furnishes investment advisory services and a range of non-deposit investment instruments, such as stocks, bonds, mutual funds, and tax-deferred annuities, supported by brokerage services. It also handles real estate appraisal and brokerage. Furthermore, Peoples Bancorp operates an appraisal clearing-house for other community banks and manages, acquires, and sells real property and other assets obtained through debt collection. An insurance agency is also part of its service portfolio. As of year-end 2021, the company maintained a substantial presence across North Carolina, with 17 full-service banking branches in cities including Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Mooresville, Raleigh, and Cary. Additionally, it operates loan production offices in Charlotte, Denver, Salisbury, and Winston-Salem, North Carolina. Established in 1912, Peoples Bancorp of North Carolina, Inc. maintains its headquarters in Newton, North Carolina.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
72/100
Analyst data unavailable.

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