Peoples Bancorp Of North Carolina (PEBK) AI Stock Analysis

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Peoples Bancorp Of North Carolina

(NASDAQ:PEBK)

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Rating:63Neutral

Price Target:$46.00▲(6.11% Upside)

Action:downgraded

Date:11/06/26

The overall score of 63 reflects a stable but unspectacular outlook. The company's greatest strength is its significantly de-risked balance sheet, which provides a strong foundation. This is partially offset by compressing profit margins and slowing revenue growth. The stock's low valuation and decent dividend yield add appeal, but weak technical momentum suggests no immediate catalyst for price appreciation.

Positive Factors

Steady Revenue and ProfitabilityConsistent revenue expansion and resilient net margins indicate that Peoples Bank is maintaining demand across its commercial and consumer banking franchise. This combination supports recurring earnings, provides a base for continued reinvestment, and suggests profitability is not dependent on a single reporting period.

Negative Factors

Operating Margin CompressionThe decline in operating profitability suggests that spread pressure and/or higher expense intensity is reducing the benefit of revenue growth. If this persists, it could constrain earnings expansion, weaken operating leverage, and make future profitability more sensitive to changes in funding costs and expenses.

Peoples Bancorp Of North Carolina (PEBK) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $235.55M
Dividend Yield: 2.31%
Average Volume (3M): 38.31K
Price to Earnings (P/E): 10.4
Beta (1Y): 0.70
Revenue Growth: 2.08%
EPS Growth: 30.66%
Country: US
Employees: 268
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Peoples Bancorp Of North Carolina Business Overview & Revenue Model

Company Description

Peoples Bancorp of North Carolina, Inc. functions as the holding company for Peoples Bank, delivering a broad spectrum of financial products and services to individuals and small to medium-sized enterprises. Its deposit offerings encompass checking,...

How the Company Makes Money

Peoples Bancorp of North Carolina primarily makes money through its banking subsidiary by earning net interest income and generating fee-based (noninterest) income. Net interest income is produced by lending and investing activities: the bank earns i...

Peoples Bancorp Of North Carolina Financial Statement Overview

Summary

Financial performance is mixed. The balance sheet is a major strength, with debt-to-equity dramatically reduced to 0.12, indicating low risk. Cash flow is improving, with free cash flow growth turning positive. However, the income statement shows pressure from declining net and gross profit margins and slowing revenue growth, which tempers the overall score.

Income Statement

55Neutral

Balance Sheet

78Positive

Cash Flow

65Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	114.29M	114.60M	97.79M	85.78M	70.72M	63.88M
Gross Profit	73.02M	89.06M	71.42M	67.07M	65.92M	61.84M
EBITDA	14.23M	28.59M	23.82M	23.05M	26.33M	24.50M
Net Income	21.99M	19.83M	16.35M	15.55M	16.12M	15.13M
Balance Sheet
Total Assets	1.76B	1.70B	1.65B	1.64B	1.62B	1.62B
Cash, Cash Equivalents and Short-Term Investments	398.71M	274.96M	293.05M	474.30M	516.99M	684.05M
Total Debt	18.59M	19.08M	19.60M	107.01M	68.34M	57.23M
Total Liabilities	1.60B	1.55B	1.52B	1.51B	1.52B	1.48B
Stockholders Equity	157.66M	157.12M	130.56M	121.02M	105.19M	142.37M
Cash Flow
Free Cash Flow	24.07M	19.96M	19.97M	20.83M	18.09M	26.42M
Operating Cash Flow	25.54M	21.37M	20.56M	22.78M	22.66M	26.90M
Investing Cash Flow	-94.95M	-41.83M	-42.62M	-753.00K	-255.98M	-106.14M
Financing Cash Flow	9.54M	19.30M	-1.04M	-11.25M	27.42M	195.16M

Peoples Bancorp Of North Carolina Technical Analysis

Technical Analysis SentimentPositive

Last Price43.35

Price Trends

50DMA43.72Negative

100DMA43.42Negative

200DMA41.50Positive

Market Momentum

MACD-0.24Positive

RSI48.94Neutral

STOCH51.18Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PEBK, the sentiment is Positive. The current price of 43.35 is below the 20-day moving average (MA) of 43.57, below the 50-day MA of 43.72, and above the 200-day MA of 41.50, indicating a neutral trend. The MACD of -0.24 indicates Positive momentum. The RSI at 48.94 is Neutral, neither overbought nor oversold. The STOCH value of 51.18 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PEBK.

Peoples Bancorp Of North Carolina Risk Analysis

Peoples Bancorp Of North Carolina disclosed 39 risk factors in its most recent earnings report. Peoples Bancorp Of North Carolina reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

0 New Risks

Peoples Bancorp Of North Carolina Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

PEBK against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBFV	71Outperform	$207.91M	11.05	11.50%	2.75%	27.49%	607.99%
OVBC	71Outperform	$232.63M	15.85	8.46%	2.01%	8.40%	2.21%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PEBK	63Neutral	$235.55M	10.37	13.87%	2.31%	2.08%	30.66%
HNVR	58Neutral	$154.77M	15.50	5.11%	1.80%	-3.09%	-6.80%
MRBK	57Neutral	$199.54M	8.48	11.30%	3.39%	-2.24%	-4.58%

* Financial Sector Average

Performance Comparison

PEBK and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
PEBK	Peoples Bancorp Of North Carolina	43.35	13.60	45.70%
OVBC	Ohio Valley Banc	48.73	13.96	40.17%
CBFV	CB Financial Services Inc	41.10	8.53	26.20%
MRBK	Meridian Bank	16.51	2.19	15.26%
HNVR	Hanover Bancorp Inc	22.23	0.31	1.40%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Nov 06, 2026

Peoples Bancorp Of North Carolina AI Stock Analysis