Peoples Bancorp of North Carolina (PEBK) Stock Price, News & Analysis

Company Overview

Peoples Bancorp of North Carolina, Inc. is a bank holding company headquartered in Hickory, North Carolina, that operates through its wholly owned subsidiary, Peoples Bank. The company provides a comprehensive suite of banking and financial services tailored to individuals, small businesses, and municipal clients in the western region of North Carolina.

Through its community banking network, Peoples Bancorp offers deposit products such as checking, savings, money market accounts and certificates of deposit, alongside consumer and commercial lending solutions. Its loan portfolio includes commercial real estate, equipment financing, agricultural and livestock loans, as well as residential mortgages. The company also provides treasury management, merchant card processing, and digital banking services, including online and mobile platforms designed to enhance convenience and efficiency for its customers.

Peoples Bancorp maintains a branch footprint across several counties in western North Carolina, emphasizing local decision-making and customer relationships. The institution positions itself as a community partner, supporting regional economic development through small business lending and participation in local initiatives. Its leadership team is focused on balancing growth with prudent risk management and sustaining the bank’s longstanding community ties.

Key Stats

• Today's Range: $44.50 to $44.98
• 50-Day Range: $41.60 to $44.84
• 52-Week Range: $27.33 to $45.78
• Volume: 8,813 shs
• Average Volume: 50,047 shs
• Market Capitalization: $244.83 million
• P/E Ratio: 12.32
• Dividend Yield: 1.87%
• Price Target: N/A
• Consensus Rating: Buy

Peoples Bancorp of North Carolina Stock Analysis - MarketRank™

Peoples Bancorp of North Carolina scored higher than 41% of companies evaluated by MarketBeat, and ranked 647th out of 860 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

Peoples Bancorp of North Carolina has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Peoples Bancorp of North Carolina has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Peoples Bancorp of North Carolina is 12.32, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 45.63.

Price to Earnings Ratio vs. Sector

The P/E ratio of Peoples Bancorp of North Carolina is 12.32, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.40.

Price to Book Value per Share Ratio

Peoples Bancorp of North Carolina has a P/B Ratio of 1.52. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.70% of the float of Peoples Bancorp of North Carolina has been sold short.

Short Interest Ratio / Days to Cover

Peoples Bancorp of North Carolina has a short interest ratio ("days to cover") of 1.76, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Peoples Bancorp of North Carolina has recently increased by 10.81%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Peoples Bancorp of North Carolina pays a meaningful dividend of 1.87%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Peoples Bancorp of North Carolina has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of Peoples Bancorp of North Carolina is 23.08%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.47

News Sentiment

Peoples Bancorp of North Carolina has a news sentiment score of 0.47. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.82 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Peoples Bancorp of North Carolina this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Peoples Bancorp of North Carolina insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $486,132.00 in company stock.

Percentage Held by Insiders

14.50% of the stock of Peoples Bancorp of North Carolina is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

43.83% of the stock of Peoples Bancorp of North Carolina is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 6/15 Dividend: 6/03/2026
• Ex-Dividend for 6/15 Dividend: 6/03/2026
• Dividend Payable: 6/15/2026
• Last Earnings: 7/20/2026
• Today: 8/16/2026
• Next Earnings (Estimated): 10/19/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:PEBK
• CIK: 1093672
• Web: www.peoplesbanknc.com
• Phone: (828) 464-5620
• Fax: 704-465-5210
• Employees: 310
• Year Founded: 1912

Profitability

• EPS (Trailing Twelve Months): $3.64
• Trailing P/E Ratio: 12.32
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $19.83 million
• Net Margins: 17.25%
• Pretax Margin: 22.41%
• Return on Equity: 12.75%
• Return on Assets: 1.15%

Debt

• Debt-to-Equity Ratio: 0.10
• Current Ratio: 0.86
• Quick Ratio: 0.86

Sales & Book Value

• Annual Sales: $114.60 million
• Price / Sales: 2.14
• Cash Flow: $4.13 per share
• Price / Cash Flow: 10.85
• Book Value: $29.54 per share
• Price / Book: 1.52

Miscellaneous

• Outstanding Shares: 5,460,000
• Free Float: 4,670,000
• Market Cap: $244.83 million
• Optionable: Not Optionable
• Beta: 0.29