Peoples Bancorp of North Carolina, Inc. (PEBK)
Financial Services · NGM
Fundamentals
Valuation and ratings
Peoples Bancorp of North Carolina, Inc. trades at USD43.02, close to the USD36.64 our discounted cash flow model 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) | USD0.210 | 1 |
| 2024 | USD0.730 | 4 |
| 2023 | USD0.910 | 5 |
| 2022 | USD0.870 | 5 |
| 2021 | USD0.660 | 4 |
| 2020 | USD0.750 | 5 |
| 2019 | USD0.660 | 5 |
| 2018 | USD0.520 | 4 |
| 2017 | USD0.447 | 4 |
| 2016 | USD0.345 | 4 |
| 2015 | USD0.255 | 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.
PEBK passes 2 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Common questions
Is Peoples Bancorp of North Carolina, Inc. (PEBK) undervalued?
Against our discounted cash flow estimate of USD36.64, PEBK at USD43.02 is 15% above fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
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 USD0.210 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.
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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.