Peoples Bancorp of North Carolina, Inc. (PEBK) Stock

Peoples Bancorp of North Carolina, Inc. (PEBK) is a Financials stock trading at $44.54 (as of 2026-08-21), with a market capitalization of $243.25M and a trailing P/E of 13.7. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Peoples Bancorp of North Carolina, Inc. is a bank holding company that, through Peoples Bank, provides commercial and consumer banking services to individuals and small to medium-sized businesses, including deposit products and loan offerings. It also offers investment-related services, and provides appraisal-related services and other activities connected with managing assets and collateral.

Understand Peoples Bancorp of North Carolina, Inc.: how it makes money

Peoples Bancorp of North Carolina, Inc. operates a bank that provides commercial and consumer banking products, including checking, savings, money market, time deposits, and loans such as commercial real estate, construction and land development, and residential mortgage loans. It makes money primarily through interest earned on loans and investment securities, supported by deposit and borrowed funding.

Bank earnings are driven by the spread between what the company pays for funding (deposit costs and cost of funds) and what its earning assets generate (including investment securities yield), with operating expense efficiency and credit performance determining whether pre-tax profitability turns into stronger overall results.

Business quality (Solid): The quarterly operating picture shows solid efficiency and low reported non-performing assets, but credit and funding cost sensitivity still matter, as reflected by the net charge-off rate and the gap between deposit costs and overall cost of funds.

Valuation: At 12× earnings, PEBK trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Low reported credit stress: Non-Performing Assets are 0.0 USD_B, and Net Charge-Offs are 0.0 USD_B for the latest period.
Funding costs on deposits are relatively contained: Cost of Deposits is 0.4% (and Cost of Deposits Excluding Brokered Certificates of Deposit is 0.29%).
Operating efficiency appears solid: Efficiency Ratio is 58.6% (Adjusted Efficiency Ratio 59.2%).

Bear case

Credit losses still show up on an annualized basis: Annualized Net Charge-Off Rate is 0.4%, even though Net Charge-Offs are 0.0 USD_B in the period presented.
Overall funding cost is higher than deposit cost: Cost of Funds is 0.72%, above Cost of Deposits, which can matter if the funding mix relies more on sources other than core deposits.
Profitability on assets is limited: Return on Average Assets is 1.04%, which can constrain how much cushion the company has if credit or funding conditions worsen.

Valuation — source: SEC EDGAR (first-party)
Price	$44.54
Market Cap	$243.25M
P/E Ratio	13.7
EV / EBITDA	6.6
Price / Book	1.51
Price / Sales	2.87
FCF Yield	14.3%
DCF Value (model)	$79.62
DCF Upside vs Price	78.8%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$83.62M
Net Margin	23.7%
Revenue Growth (YoY)	3.6%
EPS Growth (YoY)	21.4%
FCF Growth (YoY)	-0.1%

Valuation vs Sector & Industry
Stock P/E	13.7
Sector P/E (Financials)	15.1
Industry P/E (Banking)	13.0
vs Sector	-9.1%
vs Industry	5.8%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	WELLINGTON MANAGEMENT GROUP LLP ($16.39M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	William D. Cable
Employees	281
Country	US
IPO Date	1985-10-16

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.