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

Peoples Bancorp of North Carolina, Inc. serves as the holding company for Peoples Bank, established in 1912 and based in Newton, North Carolina. Operating through a network of 17 banking offices, the company provides personal and commercial banking solutions, including checking accounts, savings accounts, money market accounts, and certificates of deposit. Its lending activities cover commercial real estate, commercial, construction, single-family residential, ITIN, and agricultural loans. The institution also offers investment counseling, non-deposit products like mutual funds and annuities, appraisal clearing-house operations, and real estate brokerage services.

Between FY2021 and FY2025, revenue increased from $63.9M to $114.6M, achieving a 5-year revenue compound annual growth rate of 12.2%. In FY2025, revenue expanded 17.2% year-over-year, while net income reached $19.8M, up from $16.4M in FY2024. Operating margins moved from 29.6% in FY2021 to 22.6% in FY2025, with gross margins standing at 77.7% in FY2025. Over the trailing twelve months, revenue reached $90.2M with a net profit margin of 22.1% and diluted EPS of $3.64. In the latest quarter ended June 30, 2026, quarterly revenue grew 1.4% year-over-year and quarterly earnings grew 1.1%.

As of June 30, 2026, Peoples Bancorp reported $33.4M in cash and short-term investments against total debt of $18.7M, resulting in a net cash position of $14.7M. Total assets stood at $1.76B against shareholders' equity of $161.3M, with a current ratio of 91.12 and a debt-to-equity ratio of 0.12. For FY2025, operating cash flow was $21.4M and free cash flow was $20.0M. Capital deployment in FY2025 included $1.4M in capital expenditures and $5.2M in dividends paid, while the 5-year share count decreased 3.1%.

PEBK closed at $44.32 on October 16, 2026, positioned 8.8% above its 200-day moving average and near its 52-week high of $45.78. The stock trades at a trailing P/E of 12.2x and a forward P/E of 12.7x, compared to the median of its US-listed Financial Services peers of 12.1x trailing and 10.8x forward. Its price-to-sales multiple of 2.6x sits below the peer median of 3.2x, with a price-to-book ratio of 1.4x. PEBK delivered a 1-year return of 61.3%, exceeding the S&P 500 return of 16.8%, while its 5-year return of 84.0% compares to 83.0% for the index.

Peoples Bancorp pays an annual forward dividend of $0.84 per share, representing a 1.90% dividend yield with a payout ratio of 21.9%. The dividend is paid quarterly and has been maintained for 42 consecutive years. The annualized 5-year dividend growth rate stands at 5.1%, with the last ex-dividend date recorded on September 3, 2026.

The consensus analyst mean price target for PEBK stands at $13.00, reflecting a 70.7% variance below the closing price of $44.32 on October 16, 2026. Peoples Bancorp has beaten EPS estimates in each of the last 4 quarters. The company is next scheduled to report quarterly earnings on October 19, 2026.

This page is an AI-written research summary of Peoples Bancorp of North Carolina, Inc. (PEBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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