Peoples Bancorp of North Carolina (PEBK)

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$44.31

-0.31 (-0.69%)

Market Cap: $235.79M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2026Jun 26 Reported Jul 20, 2026Reported Jul 20	$0.96	N/A	-	N/A	Beat	-	-	+1.1%
Mar 31, 2026Mar 26 Reported Apr 20, 2026Reported Apr 20	$0.80	N/A	-	N/A	Beat	-	-	+1.2%
Dec 31, 2025Dec 25 Reported Jan 26, 2026Reported Jan 26	$1.21	$0.00	-	N/A	Beat	-	-	+53.2%
Sep 30, 2025Sep 25 Reported Oct 20, 2025Reported Oct 20	$0.67	N/A	-	N/A	Beat	-	-	-6.6%
Jun 30, 2025Jun 25 Reported Jul 21, 2025Reported Jul 21	$0.95	N/A	-	N/A	Beat	-	-	+6.4%
Mar 31, 2025Mar 25 Reported Apr 21, 2025Reported Apr 21	$0.79	N/A	-	N/A	Beat	-	-	+10.7%
Dec 31, 2024Dec 24 Reported Feb 12, 2025Reported Feb 12	$0.79	N/A	-	N/A	Beat	-	-	+27.4%
Sep 30, 2024Sep 24 Reported Oct 21, 2024Reported Oct 21	$0.72	N/A	-	N/A	Beat	-	-	-2.4%
Jun 30, 2024Jun 24 Reported Jul 22, 2024Reported Jul 22	$0.89	N/A	-	N/A	Beat	-	-	+4.6%
Mar 31, 2024Mar 24 Reported Apr 22, 2024Reported Apr 22	$0.72	N/A	-	N/A	Beat	-	-	+28.2%
Dec 31, 2023Dec 23 Reported Jan 22, 2024Reported Jan 22	$0.62	N/A	-	N/A	Beat	-	-	-16.2%
Sep 30, 2023Sep 23 Reported Nov 7, 2023Reported Nov 7	$0.74	N/A	-	N/A	Beat	-	-	-20.4%
Jun 30, 2023Jun 23 Reported Jul 24, 2023Reported Jul 24	$0.85	N/A	-	N/A	Beat	-	-	+49.7%
Mar 31, 2023Mar 23 Reported Apr 24, 2023Reported Apr 24	$0.56	$0.00	-	N/A	Beat	-	-	-8.2%
Dec 31, 2022Dec 22 Reported Jan 23, 2023Reported Jan 23	$0.74	$0.00	-	N/A	Beat	-	-	+39.6%
Sep 30, 2022Sep 22 Reported Oct 24, 2022Reported Oct 24	$0.93	$0.00	-	N/A	Beat	-	-	+57.6%
Jun 30, 2022Jun 22 Reported Jul 25, 2022Reported Jul 25	$0.57	N/A	-	N/A	Beat	-	-	-28.8%
Mar 31, 2022Mar 22 Reported Apr 25, 2022Reported Apr 25	$0.61	N/A	-	N/A	Beat	-	-	-14.1%
Dec 31, 2021Dec 21 Reported Jan 24, 2022Reported Jan 24	$0.53	N/A	-	N/A	Beat	-	-	+60.6%
Sep 30, 2021Sep 21 Reported Oct 25, 2021Reported Oct 25	$0.59	N/A	-	N/A	Beat	-	-	-24.4%
Jun 30, 2021Jun 21 Reported Aug 4, 2021Reported Aug 4	$0.80	N/A	-	N/A	Beat	-	-	+81.8%
Mar 31, 2021Mar 21 Reported Apr 19, 2021Reported Apr 19	$0.71	N/A	-	N/A	Beat	-	-	+77.5%
Dec 31, 2020Dec 20 Reported Jan 25, 2021Reported Jan 25	$0.33	N/A	-	N/A	Beat	-	-	-34.0%
Sep 30, 2020Sep 20 Reported Oct 19, 2020Reported Oct 19	$0.78	N/A	-	N/A	Beat	-	-	+27.9%
Jun 30, 2020Jun 20 Reported Jul 20, 2020Reported Jul 20	$0.44	N/A	-	N/A	Beat	-	-	-31.3%
Mar 31, 2020Mar 20 Reported Apr 20, 2020Reported Apr 20	$0.40	N/A	-	N/A	Beat	-	-	-34.4%
Dec 31, 2019Dec 19 Reported Jan 23, 2020Reported Jan 23	$0.50	N/A	-	N/A	Beat	-	-	-12.3%
Sep 30, 2019Sep 19 Reported Nov 6, 2019Reported Nov 6	$0.61	N/A	-	N/A	Beat	-	-	+7.0%
Jun 30, 2019Jun 19 Reported Aug 7, 2019Reported Aug 7	$0.64	N/A	-	N/A	Beat	-	-	+20.8%
Mar 31, 2019Mar 19 Reported Apr 22, 2019Reported Apr 22	$0.61	N/A	-	N/A	Beat	-	-	+10.9%
Dec 31, 2018Dec 18 Reported Jan 28, 2019Reported Jan 28	$0.57	N/A	-	N/A	Beat	-	-	+32.6%
Sep 30, 2018Sep 18 Reported Oct 22, 2018Reported Oct 22	$0.57	N/A	-	N/A	Beat	-	-	+7.5%
Jun 30, 2018Jun 18 Reported Jul 23, 2018Reported Jul 23	$0.53	N/A	-	N/A	Beat	-	-	+15.2%
Mar 31, 2018Mar 18 Reported May 4, 2018Reported May 4	$0.55	N/A	-	N/A	Beat	-	-	+52.8%
Dec 31, 2017Dec 17 Reported Jan 22, 2018Reported Jan 22	$0.43	N/A	-	N/A	Beat	-	-	+19.4%
Sep 30, 2017Sep 17 Reported Oct 23, 2017Reported Oct 23	$0.53	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jul 24, 2017Reported Jul 24	$0.46	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported May 5, 2017Reported May 5	$0.36	N/A	-	N/A	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Jan 23, 2017Reported Jan 23	$0.36	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield1.90%

Forward Annual Dividend$0.84

Payout Ratio22.71%

FrequencyQuarterly

Pay MonthsFeb, Mar, Jun, Sep, Dec

Growth

3Y CAGR+3.27%

5Y CAGR+4.84%

PEBK dividend history and ex-dividend dates Run PEBK in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	12.14	EV/EBITDA	7.84x
Price/FCF	12.07x	FCF Yield	8.29%
Profitability
Profit Margin	22.10%	Operating Margin	30.40%
ROE	13.10%	ROIC	11.29%
Financial Health
Debt/Equity	0.10x	Interest Coverage	1.09x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.31	Avg Volume	23.16K
52-Week High	$45.56	52-Week Low	$26.63

Technical Indicators Dashboard

Moving Averages

SMA 10$44.04

SMA 20$43.74

SMA 50$43.76

SMA 200$40.72

EMA 10$44.09

EMA 20$43.91

EMA 50$43.60

EMA 200$40.45

MACD

Line: 0.19Signal: 0.09Hist: 0.10

ADX

ADX: 12.5+DI: 19.9-DI: 16.4

Aroon & PSAR

Aroon Up16.0

Aroon Down64.0

PSAR$42.99

Bollinger Bands

Upper Band$44.83

Lower Band$42.65

%B Position499%(Upper)

Band Width0.76

RSI (14-Day)

Neutral

53.8

Momentum Oscillators

Stoch %K83.5

Stoch %D81.2

Williams %R-25.9

ROC (10d)3.4%

Momentum1.45

CCI (20d)105.0

MFI (14d)58.1

Volatility Measures

ATR (14d)$1.00(2.3%)

StdDev (20d)0.55

Hist Vol21.3%(Moderate)

Volume Flow

VWAP$44.44

OBV1.2M

AD Line-13808428270.7B

CMF (20d)0.059

Volume Metrics

Avg Vol (20d)23.8K

Vol Ratio1.7x(High)

VWMA (20d)$43.91

Pivot Points

R3$45.68

R2$45.41

R1$45.02

Pivot Point$44.75

S1$44.36

S2$44.09

S3$43.70

Advanced Oscillators

TSI5.38

Ultimate Osc49.5

KST1.56

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$23.11M	$21.57M	$24.99M	$22.25M	$22.29M	$20.47M	$20.87M	$20.64M	$20.94M	$19.34M	$18.53M	$20.11M
Cost of Revenue	N/A	$6.33M	$6.52M	$6.82M	$5.91M	$6.29M	$6.37M	$7.21M	$6.19M	$6.60M	$6.29M	$5.53M
Gross Profit	N/A	$21.01M	$24.64M	$18.05M	$19.12M	$17.55M	$18.36M	$17.58M	$18.46M	$17.04M	$16.82M	$16.98M

Operating Expenses	$16.09M	$15.37M	$15.87M	$16.92M	$15.84M	$14.57M	$16.49M	$15.02M	$15.13M	$14.52M	$14.57M	$14.26M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$5.65M	$8.76M	$4.79M	$6.66M	$5.63M	$4.59M	$5.33M	$6.27M	$4.74M	$4.42M	$5.30M

Interest Income	$21.53M	$20.88M	$21.52M	$21.41M	$20.72M	$19.97M	$20.39M	$20.47M	$20.07M	$19.81M	$19.16M	$18.31M
Interest Expense	$5.56M	$5.77M	$6.17M	$6.29M	$6.12M	$6.03M	$6.58M	$6.92M	$6.65M	$6.51M	$5.89M	$4.97M
Income Before Tax	$6.73M	$5.65M	$8.76M	$4.79M	$6.66M	$5.63M	$4.59M	$5.33M	$6.27M	$4.74M	$4.42M	$5.30M
Income Tax Expense	$1.50M	$1.25M	$2.13M	$1.10M	$1.50M	$1.29M	$1.03M	$1.37M	$1.39M	$787,000	$984,000	$1.17M

Net Income	$5.23M	$4.40M	$6.63M	$3.69M	$5.16M	$4.34M	$3.56M	$3.96M	$4.89M	$3.95M	$3.44M	$4.13M

EBITDA	$7.37M	$6.30M	$9.38M	$5.53M	$7.37M	$6.31M	$5.29M	$6.09M	$7.03M	$5.41M	$4.67M	$5.99M
EBIT	$6.73M	$5.65M	$8.76M	$4.79M	$6.66M	$5.63M	$4.59M	$5.33M	$6.27M	$4.74M	$3.96M	$5.30M

* Some calculated fields are derived from available data when not provided by source

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News

Stock Traders Daily flags neutral signals for Peoples Bancorp of North Carolina stock

Stock Traders Daily has issued neutral near and mid-term signals for Peoples Bancorp of North Carolina (PEBK) stock...

ad-hoc-news.de•Oct 16, 2026 1:03 AM ET10/16/26•Neutral

Peoples Bancorp of North Carolina stock sits 2.53 percent below its high

Peoples Bancorp of North Carolina's stock recently traded at $44.62, which is 2.53% below its 52-week high of $45.78. The company reported a rise in diluted EPS to $0.96 in Q2 2026, up from $0.80 in Q1...

ad-hoc-news.de•Oct 14, 2026 12:12 AM ET10/14/26•Somewhat-Bullish

Why (PEBK) Price Action Is Critical for Tactical Trading

This article analyzes Peoples Bancorp Of North Carolina Inc. (NASDAQ: PEBK) stock using AI models for tactical trading. It identifies neutral near and mid-term readings but a positive long-term bias...

Stock Traders Daily•Oct 13, 2026 10:40 AM ET10/13/26•Neutral

Peoples Bancorp of North Carolina stock tests the 50-day line

Peoples Bancorp of North Carolina (PEBK) saw its stock test the 50-day moving average on October 5, 2026, after reporting improved diluted EPS of USD 0.96 in Q2 2026...

AD HOC NEWS•Oct 7, 2026 7:25 AM ET10/7/26•Somewhat-Bullish

Peoples Bancorp of North Carolina (NASDAQ:PEBK) Stock Price Breaks Above 50-Day Moving Average - Here's Why

Peoples Bancorp of North Carolina (NASDAQ:PEBK) shares recently surpassed their 50-day moving average, closing at $43.58 after hitting a high of $44.71. The company reported quarterly earnings of $0.96 per share...

MarketBeat•Oct 6, 2026 3:32 AM ET10/6/26•Somewhat-Bullish

PEBK Valuation and Fair Value

P/E: 12.1x
Forward P/E: 12.7x
EV/EBITDA: 7.8x
P/FCF: 12.1x
PEG: 0.0x
P/B: 1.5x

See GNG's fair value

PEBK Profitability: Margins, ROIC and FCF

Operating margin: 30.4%
Net margin: 22.1%
ROIC: 11.3%
ROE: 13.1%
FCF margin: 21.8%
FCF yield: 8.3%

PEBK Competitors

Company	Ticker
Security National Financial	SNFCA
Saratoga Investment Corp	SAR
First Savings Financial Group Inc	FSFG
Stellar V Capital Corp. Class A Ordinary Shares	SVCC
Provident Bancorp Inc	PVBC
Real Asset Acquisition Corp.	RAAQ
Digital Asset Acquisition Corp.	DAAQ
Cohen & Steers Real Estate Opportunities and Income Fund	RLTY

Sector: Financial Services

PEBK Bull Case vs Bear Case

Bull case

PEBK converts 21.8% of revenue into free cash flow.
PEBK has a 22.1% net profit margin.

PEBK Earnings: Beat Rate and Next Report

Beat rate: 5 of 8 quarters (62.5%)
Average surprise: -687.9%

PEBK Dividend

Forward yield: 1.9%
Payout ratio: 22.7%
3Y DPS growth: 3.3%
5Y DPS growth: 4.8%
Pay months: Feb, Mar, Jun, Sep, Dec

PEBK dividend history

Frequently Asked Questions About PEBK

What is PEBK's current dividend yield?

Peoples Bancorp of North Carolina (PEBK) has a forward dividend yield of 1.90%.

Does PEBK pay dividends?

Yes, Peoples Bancorp of North Carolina pays dividends with a forward dividend yield of 1.90%.

What is PEBK's P/E ratio?

Peoples Bancorp of North Carolina has a price-to-earnings (P/E) ratio of 12.14.

What is PEBK's market cap?

Peoples Bancorp of North Carolina (PEBK) has a market capitalization of $235.79M with a current stock price of $44.31.

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