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PEOPLES BANCORP OF NC

PEBKNASDAQ
πŸ† #3388 by market capEarnings Oct 19US Equity
$44.72β–² $0.56 (+1.26%)
Live
1hβ€”
24hβ–² 1.3%
7dβ–² 2.9%
14dβ–² 3.5%
30dβ–² 5.7%
1yβ–² 58.3%
🏦Market Cap
$244M
Small Cap
πŸ“ˆRevenue Growth (YoY)
β€”
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
β€”
βš–οΈP/S Ratio
β€”
Otter Score
49
Weak

Trading Snapshot

Day Range
$44.02 – $45.55
52-Week Range
$27.33 – $45.78
Volume
$3.44B
Avg Volume
$3.10B
Shares Outstanding
5.5M
Next Earnings
Oct 28, 2026

Fundamentals Snapshot

Annual Revenue
$115M
Last Q Revenue
$27M
P/E Ratio
11.8
P/S Ratio
β€”
EPS (TTM)
$3.63
Dividend Yield
2.28%

Why Investors Own PEBK

  • βœ“High-growth profile β€” revenue up +23.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 28% gross margin and 24% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$115Mβ–² +20.4% YoY
Gross Margin (TTM)
28.2%β–² +4.3% YoY
Operating Income (TTM)
$19Mβ–² +20.4% YoY
Free Cash Flow (TTM)
$27Mβ–² +20.4% YoY

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

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
49/100

Analyst Price Target

β“˜
Average Target
$50.48
β–² +12.9% Upside
High Target$57.55
Low Target$43.29
Based on 14 analysts

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