Peoples Bancorp Of North Carolina Inc
Research Peoples Bancorp Of North Carolina Inc (PEBK) on Bullrun: valuation model: 16.6% undervalued, market cap USD 239.43M, P/E 12.0, dividend yield 2.3%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerPEBK
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal16.6% undervalued
- Market capUSD 239.43M
- P/E12.0
- Dividend yield2.3%
- Financial periodQ2 2026
- RevenueUSD 20.21M
- Net incomeUSD 5.23M
- Free cash flowUSD 6.04M
Valuation Snapshot
Bullrun's latest valuation model marks Peoples Bancorp Of North Carolina Inc as 16.6% undervalued; latest market cap is USD 239.43M; P/E is 12.0; dividend yield is 2.3%.
Peer valuation comparison
Latest P/E is 12.01x versus a Financial Services sector median of 13.84x (13.2% below).
Latest dividend yield is 2.28% versus a Financial Services sector median of 3.86% (40.9% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 74.41M | USD 19.83M | USD 19.96M | n/a | 3.62 | USD 58.11M | USD 19.08M | USD 157.12M |
| FY2024 | USD 71.14M | USD 16.35M | USD 19.97M | n/a | 2.98 | USD 59.27M | USD 19.60M | USD 130.56M |
| FY2023 | USD 68.64M | USD 15.55M | USD 20.83M | n/a | 2.77 | USD 82.38M | USD 20.30M | USD 121.02M |
| FY2022 | n/a | USD 16.12M | USD 18.05M | n/a | 2.85 | USD 71.60M | USD 15.46M | USD 105.20M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 239.43M | 12.0 | 2.3% | 0.99 |
| 2025 | 2025-12-31 | USD 192.19M | 10.0 | 2.7% | 0.96 |
| 2024 | 2024-12-31 | USD 165.60M | 10.5 | 2.9% | 0.92 |
| 2023 | 2023-12-29 | USD 166.31M | 10.7 | 2.9% | 0.91 |
| 2022 | 2022-12-30 | USD 183.57M | 12.4 | 2.7% | 0.87 |
| 2021 | 2021-12-31 | USD 156.20M | 10.6 | 2.4% | 0.66 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.99 USD, yield 2.3%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.96 USD |
| FY2024 | 0.92 USD |
| FY2023 | 0.91 USD |
| FY2022 | 0.87 USD |
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.
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Frequently asked questions
Is Peoples Bancorp Of North Carolina Inc overvalued or undervalued?
Bullrun's valuation model currently marks Peoples Bancorp Of North Carolina Inc as 16.6% undervalued.
What is Peoples Bancorp Of North Carolina Inc's market cap?
Peoples Bancorp Of North Carolina Inc's market capitalization is USD 239.43M.
What is Peoples Bancorp Of North Carolina Inc's P/E ratio?
Peoples Bancorp Of North Carolina Inc's price-to-earnings (P/E) ratio is 12.0.
Does Peoples Bancorp Of North Carolina Inc pay a dividend?
Peoples Bancorp Of North Carolina Inc has a dividend yield of 2.3%.
What does Peoples Bancorp Of North Carolina Inc do?
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.