Stocks · Financial Services · Banks - Regional
Peoples Bancorp of North Carolina, Inc. PEBK
$44.27 +2.60% Close, Oct 2, 2026 · NASDAQ · Market cap $241.8M
Strong trend
Next earnings report: Oct 19, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 15.0× trailing earnings, the shares trade at the highest P/E of the company's past five years.
- The stock is in an uptrend: above its 200-day average for 240 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $110.1M, up 11.9% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 34%
- EPS growth (TTM, YoY)Bottom 26%
- FCF growth (TTM, YoY)Bottom 32%
- Revenue growth, 3-year CAGRTop 41%
- Revenue growth accelerationTop 34%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 47%
- Gross marginTop 23%
- Operating marginTop 45%
- Cash conversion (OCF / net income)Bottom 43%
- Accruals (lower is better)Bottom 39%
- Net debt / EBITDA (lower is better)Top 21%
- Interest coverTop 46%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 50%
- Free-cash-flow yieldTop 47%
- EBITDA / enterprise valueTop 18%
- Sales / enterprise valueTop 28%
- P/E vs own 5-year history (lower is better)Bottom 2%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 9%
- 6-month returnTop 36%
- 1-year return vs S&P 500Top 8%
- Distance from 52-week highTop 15%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 45%
- Maximum drawdown, 3 yearsTop 39%
- Beta vs S&P 500 (lower is better)Bottom 40%
- Net debt / EBITDA (lower is better)Top 21%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 10.6% | 11.9% | ↑ |
| EPS growth (YoY) | -3.3% | -4.5% | ↓ |
| Gross margin | 73.8% | 76.4% | ↑ |
| Operating margin | 22.6% | 23.5% | ↑ |
| FCF margin | 20.7% | 18.2% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 11.9% | 10.6% | ↑ | Top 34% |
| EPS growth (TTM, YoY) | -4.5% | -3.3% | ↓ | Bottom 26% |
| Gross margin | 76.4% | 73.8% | ↑ | Top 23% |
| Operating margin | 23.5% | 22.6% | ↑ | Top 45% |
| Net margin | 18.1% | 17.3% | ↑ | — |
| Free-cash-flow margin | 18.2% | 20.7% | ↓ | — |
| Return on invested capital | 1.1% | — | Bottom 47% | |
| Revenue growth, 3-year CAGR | 17.5% | — | Top 41% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.07×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.3%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.51×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.24%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 2.24%
- Share count change, 1 year
- +0.5%
- Share count change, 3-year CAGR
- -0.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 4, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.8%
- Positive 20 days after report
- 5 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 20, 2026 | — | +0.5% | +1.1% | +5.4% | — |
| Apr 20, 2026 | — | -0.6% | -6.8% | -5.3% | -0.2% |
| Jan 26, 2026 | — | -1.1% | +0.9% | +5.1% | +12.0% |
| Oct 20, 2025 | — | +5.9% | +11.0% | +7.5% | +30.2% |
| Jul 21, 2025 | — | +3.3% | +1.4% | -0.0% | +2.4% |
| Apr 21, 2025 | — | +0.2% | +3.0% | +16.8% | +11.9% |
| Feb 12, 2025 | — | -2.1% | -4.4% | -11.6% | -5.6% |
| Oct 21, 2024 | — | +0.0% | +0.8% | +15.2% | +18.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 20, 2026 | $0.96 | — | — | $26.8M |
| Apr 20, 2026 | $0.80 | — | — | $27.3M |
| Jan 26, 2026 | $1.21 | — | — | $31.2M |
| Oct 20, 2025 | $0.67 | — | — | $24.9M |
| Jul 21, 2025 | $0.95 | — | — | $25.0M |
| Apr 21, 2025 | $0.79 | — | — | $23.8M |
| Feb 12, 2025 | $0.65 | — | — | $18.1M |
| Oct 21, 2024 | $0.72 | — | — | $17.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 15.0× | 10.5× | 100th | Top 50% |
| EV / EBITDA | 7.9× | — | — | Top 18% |
| EV / Sales | 2.06× | — | — | Top 28% |
| Free-cash-flow yield | 8.29% | — | — | Top 47% |
| Earnings yield | 6.69% | — | — | Top 50% |
P/E over the past five years
Range 6.7× – 14.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +47.1%
- Earnings per share growth (TTM)
- -4.5%
- Change in P/E multiple
- +63.2%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 240
- 50-day average slope (20 days)
- +0.9%
- 200-day average slope (20 days)
- +2.7%
- Distance from 50-day average
- +1.3%
- Distance from 200-day average
- +8.7%
- RSI (14)
- 54.9
- Relative volume
- 1.29×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 21.6%
- Volatility vs own 5-year history
- 38th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.78
- Correlation with S&P 500
- 0.41
- Current drawdown from 1-year high
- -2.2%
- Maximum drawdown, 3 years
- -25.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 9, 2023 | May 31, 2023 | -49.6% | 57 days | 634 days (Dec 9, 2025) |
| Dec 15, 2020 | Jan 27, 2021 | -28.6% | 28 days | 27 days (Mar 8, 2021) |
| Mar 10, 2021 | Apr 22, 2021 | -21.2% | 30 days | 144 days (Nov 15, 2021) |
| Mar 28, 2022 | Sep 30, 2022 | -16.5% | 129 days | 42 days (Nov 30, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $241.8M
- P/E (TTM)
- 15.0
- EPS, diluted (TTM)
- $2.96
- Revenue (TTM)
- $110.1M
- Dividend yield
- 2.26%
- 52-week range
- $27.33 – $45.78
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $63.9M | $70.7M | $85.8M | $97.8M | $114.6M |
| Gross profit | $61.8M | $65.9M | $67.1M | $71.4M | $89.1M |
| Operating income | $18.9M | $20.3M | $19.9M | $20.9M | $25.9M |
| Net income | $15.1M | $16.1M | $15.5M | $16.4M | $19.8M |
| EPS (diluted) | $2.63 | $2.85 | $2.77 | $2.98 | $2.94 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $24.8M | $24.7M | $23.8M | $25.0M | $24.9M | $31.2M | $27.3M | $26.8M |
| Net income | $4.0M | $3.6M | $4.3M | $5.2M | $3.7M | $6.6M | $4.4M | $5.2M |
| EPS (diluted) | $0.72 | $0.65 | $0.79 | $0.94 | $0.67 | $0.54 | $0.80 | $0.95 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $26.9M | $22.7M | $22.8M | $20.6M | $21.4M |
| Capital expenditure | -$484,000 | -$4.6M | -$1.9M | -$587,000 | -$1.4M |
| Free cash flow | $26.4M | $18.1M | $20.8M | $20.0M | $20.0M |
| Dividends paid | -$3.8M | -$4.9M | -$5.1M | -$5.0M | -$5.2M |
| Net share buybacks | -$3.6M | -$710,000 | -$2.0M | -$2.0M | $50,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $33.4M
- Total assets
- $1.76B
- Total liabilities
- $1.60B
- Total debt
- $18.7M
- Net debt
- -$14.7M
- Shareholders’ equity
- $161.3M
As of Jun 30, 2026 (filed Aug 4, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 3, 2026 | $0.21 | Sep 15, 2026 |
| Jun 3, 2026 | $0.21 | Jun 15, 2026 |
| Mar 4, 2026 | $0.21 | Mar 16, 2026 |
| Feb 4, 2026 | $0.17 | Feb 13, 2026 |
| Dec 3, 2025 | $0.20 | Dec 15, 2025 |
| Sep 3, 2025 | $0.20 | Sep 15, 2025 |
| Jun 3, 2025 | $0.20 | Jun 13, 2025 |
| Mar 3, 2025 | $0.20 | Mar 14, 2025 |
Short interest
- Shares sold short
- 93,764
- Days to cover
- 4.69
- Change vs previous report
- -1.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 1, 2017
- 11-for-10
- Jun 18, 2007
- 3-for-2
- Jun 1, 2006
- 11-for-10
- Mar 1, 2005
- 11-for-10
- Apr 6, 2000
- 11-for-10