Peoples Bancorp of North Carolina, Inc. (PEBK)
Financials · NGM
Price as at 30 Sept 2026, 23:10 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Peoples Bancorp of North Carolina, Inc. trades at $42.86, close to the $36.64 our fair value estimate puts on the business. On this measure the market and the model broadly agree, so the interesting question is which of them is wrong.
Our moat model scores it 29 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 11.8 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
PEBK dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $0.210 | 1 |
| 2024 | $0.920 | 5 |
| 2023 | $0.910 | 5 |
| 2022 | $0.870 | 5 |
| 2021 | $0.660 | 4 |
| 2020 | $0.750 | 5 |
| 2019 | $0.660 | 5 |
| 2018 | $0.520 | 4 |
| 2017 | $0.447 | 4 |
| 2016 | $0.345 | 4 |
| 2015 | $0.255 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
PEBK earnings and analyst estimates
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Peoples Bancorp of North Carolina, Inc.
Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses in the North Carolina, United States. The company offers deposit products. It also originates commercial real estate loans, commercial loans, construction and land development loans, single-family residential mortgage loans, as well as agricultural loans. In addition, the company provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. Further, it operates as a clearinghouse for the provision of appraisal services for community banks; and acquires, manages, and disposes of real property, other collateral, and other assets obtained in the ordinary course of collecting debts. The company was founded in 1912 and is headquartered in Newton, North Carolina.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
PEBK passes 3 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
5 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Arrowstreet Capital, ARROWSTREET CAPITAL, LIMITED PARTNERSHIP$3.32M · 0.0% of book
- Ken Griffin, CITADEL ADVISORS LLC$1.80M · 0.0% of book
- Renaissance Technologies, RENAISSANCE TECHNOLOGIES LLC$1.41M · 0.0% of book
- Cliff Asness, AQR CAPITAL MANAGEMENT LLC$634.1K · 0.0% of book
- Steve Cohen, Point72 Asset Management, L.P.$243.3K · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
PEBK peers
The largest companies in the same industry (Banks - Regional), then in the same sector.
- HDB HDFC Bank Limited
- IBN ICICI Bank Limited
- CIXPF CaixaBank, S.A.
- ITUB Itaú Unibanco Holding S.A.
- NWG NatWest Group plc
- DB Deutsche Bank Aktiengesellschaft
- NU Nu Holdings Ltd.
- CRARF Crédit Agricole S.A.
Every financials company we cover is on the Financials hub.
Common questions
Is Peoples Bancorp of North Carolina, Inc. (PEBK) undervalued?
Against our fair value estimate of $36.64, PEBK at $42.86 is 15% above fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own PEBK?
5 of the institutions we track reported a position in PEBK in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is PEBK's P/E ratio?
PEBK trades at 11.8 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Peoples Bancorp of North Carolina, Inc. (PEBK) pay a dividend?
Yes. Peoples Bancorp of North Carolina, Inc. yields 1.95% at the current share price. It has paid $0.210 per share over the trailing twelve months. It has paid a dividend in each of the last 38 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
When does PEBK report earnings next?
Peoples Bancorp of North Carolina, Inc. is scheduled to report on 19 Oct 2026. Companies move earnings dates, so read it as scheduled rather than certain.
Where does SteadyShares get its PEBK data?
Fundamentals for PEBK come from company filings and exchange data, as listed on NGM; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 30 Sept 2026, 23:10 UTC and is delayed. Our data quality score for this company is 83/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for PEBK, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.