Valuation dashboard for Peoples Bancorp of North Carolina, Inc. (PEBK) with P/E 12.59, P/B 1.59, EV/EBITDA 7.18 and dividend yield 2.10%. DCF, Graham Number and Earnings Power Value models plus sector comparison against other Financial Services companies.
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, savings, money market, and demand accounts, along with certificates of deposit (CDs) and time deposits. The bank also handles borrowed funds.
Analysis Summary
Peoples Bancorp of North Carolina, Inc. reported revenue of $114.6M in the most recent fiscal year, growing at a 5-year CAGR of 12.2%. Net income reached $19.8M, with a 11.8% 5-year CAGR.
Trailing-twelve-month margins: gross margin 77.7%, operating margin 22.6%, net margin 17.3%.
At the current price of $44.16, PEBK trades at a P/E of 12.59 and an ROE of 12.62%. Market capitalisation stands at $241M.
Balance sheet quality for PEBK: current ratio of 0.2. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 12.59 |
| Price / Book | 1.59 |
| EV / EBITDA | 7.18 |
| Dividend Yield | 2.10% |
Valuation Models
| DCF Fair Value | $69.07 |
| vs Current Price | +56.4% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| PEBK | Peoples Bancorp of North Carolina, Inc. | $241M | 12.59 | 1.59 | 12.6% |
| 0O84.L | DNB Bank ASA | $480.5B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $114.8B | 13.22 | 1.73 | 13.9% |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 12.92 | 1.48 | 12.3% |
Price
| Price | $44.16 |
| Market Cap | $241M |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 12.62% |
| Return on Invested Capital | 10.28% |
| Return on Assets | 1.16% |
| Gross Margin | 77.71% |
| Operating Margin | 22.56% |
| Net Margin | 17.30% |
Related companies: BVFL · CFBK · CZWI · FCAP · FNWD · HNVR · LARK
Explore sector: Financial Services · Banks - Regional
More sections of PEBK: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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