Peoples Bancorp of North Carolina, Inc.
PEBK
NASDAQ·Financial Services·Banks - Regional·Mkt cap $239.7M
$43.31
▼ -0.82%
P/E
36.70
Mkt Cap
$239.7M
52-Wk Range
$27.33–$45.78
52-Week Range
$27.33 - $45.78
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 39.9% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Over 110 years of community banking heritage and local market expertise
- Diversified revenue streams beyond traditional banking reduce earnings volatility
- Strategic geographic footprint across high-growth North Carolina markets (Charlotte, Research Triangle, Piedmont region)
- Specialized lending capabilities including agricultural and ITIN mortgages serving underserved segments
- Clearing-house appraisal services for community banks create additional revenue and competitive moat
Bear Case
1 risk
- Low volatility (beta 0.3).
Growth
No forward estimates available
Expansion into Charlotte and Research Triangle markets with high population and business growth
Value
Valuation data unavailable
Momentum
Strong
+6.7% over 3m
Quality
Excellent
Strong fundamentals
Dividend
Solid
2.26% yield
Smart-money signal
Who's buying PEBK right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 19, 2026
JUL 20, 2026
Most recent quarter reported revenue of $26.8M (+7% YoY). Reported EPS of -$0.83. Gross margin 76.3%.
Reported EPS · last 4Q
0 of 1 beats
Q3 26
—
Revenue trend · last 8Q
—
-21%
+4%
+5%
+4%
+38%
+53%
+7%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$17.9M
$18.1M
$17.8M
$18.9M
$24.9M
$31.2M
$27.3M
$26.8M
Margins · last 8Q
Gross
76.3%
Operating
25.1%
Profit
19.6%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How PEBK stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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