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

Company Overview

Peoples Bancorp of North Carolina (NASDAQ:PEBK) is a financial holding company headquartered in Wilmington, North Carolina, serving as the parent organization for Peoples Bank. Established to support community-driven banking, the company traces its roots to a historic local bank chartered in the early 1900s. Over time, it has expanded its footprint while maintaining a focus on personalized service and strong community relationships throughout eastern North Carolina and the southeastern United States.

The company’s core business is commercial and retail banking, offering a comprehensive suite of deposit products, including checking, savings, money market, and certificate of deposit accounts. In addition to traditional deposit services, Peoples Bancorp provides a range of lending solutions for consumers and businesses. These lending offerings include residential and commercial real estate mortgages, construction and development loans, agricultural financing, and lines of credit tailored to small and mid-sized enterprises.

Beyond its deposit and lending operations, Peoples Bancorp of North Carolina offers wealth management and trust services through its dedicated subsidiary. Clients benefit from investment advisory, estate planning, and fiduciary services designed to preserve and grow assets. The company also delivers treasury management solutions—such as online cash management, merchant services and remote deposit capture—to help businesses optimize their liquidity and streamline payment processing.

Leadership at Peoples Bancorp emphasizes local decision-making and customer-focused governance. The board of directors and senior management team include banking veterans with decades of experience in community banking, risk management and commercial finance. Under this leadership, the company remains committed to fostering economic development, supporting small businesses, and maintaining strong capital and credit quality standards while adapting to emerging technologies in the banking industry.

Key Stats

• Today's Range: $28.58 to $29.52
• 50-Day Range: $27.44 to $31.65
• 52-Week Range: $23.74 to $33.31
• Volume: 8,286 shs
• Average Volume: 14,774 shs
• Market Capitalization: $157.58 million
• P/E Ratio: 9.46
• Dividend Yield: 2.77%
• Price Target: N/A
• Consensus Rating: N/A

Peoples Bancorp of North Carolina Stock Analysis - MarketRank™

Peoples Bancorp of North Carolina scored higher than 55% of companies evaluated by MarketBeat, and ranked 585th out of 933 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Peoples Bancorp of North Carolina.

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 9.46, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.98.

Price to Earnings Ratio vs. Sector

The P/E ratio of Peoples Bancorp of North Carolina is 9.46, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 18.37.

Price to Book Value per Share Ratio

Peoples Bancorp of North Carolina has a P/B Ratio of 1.21. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.74% 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 4.2.

Change versus previous month

Short interest in Peoples Bancorp of North Carolina has recently decreased by 18.94%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Peoples Bancorp of North Carolina pays a meaningful dividend of 2.75%, 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 26.23%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.74% 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 4.2.

Change versus previous month

Short interest in Peoples Bancorp of North Carolina has recently decreased by 18.94%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: 0.71

News Sentiment

Peoples Bancorp of North Carolina has a news sentiment score of 0.71. 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 0.91 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Peoples Bancorp of North Carolina this week, compared to 1 article on an average week.

Search Interest

1 people have searched for PEBK on MarketBeat in the last 30 days.

Company Ownership

• Score: 2.5 / 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 $14,575.00 in company stock.

Percentage Held by Insiders

16.94% 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.

PEBK Stock Analysis - Frequently Asked Questions

How have PEBK shares performed this year?

Peoples Bancorp of North Carolina's stock was trading at $31.25 at the start of the year. Since then, PEBK stock has decreased by 7.6% and is now trading at $28.86.

How were Peoples Bancorp of North Carolina's earnings last quarter?

Peoples Bancorp of North Carolina, Inc. (NASDAQ:PEBK) released its quarterly earnings data on Monday, April, 21st. The bank reported $0.79 EPS for the quarter. The bank had revenue of $20.47 million for the quarter. Peoples Bancorp of North Carolina had a trailing twelve-month return on equity of 12.65% and a net margin of 15.35%.

Who are Peoples Bancorp of North Carolina's major shareholders?

Peoples Bancorp of North Carolina's top institutional investors include Farther Finance Advisors LLC (0.04%). Insiders that own company stock include Benjamin I Zachary, James S Abernethy, Lance A Sellers, Douglas S Howard, William Gregory Terry, Billy L Dr Price Jr and Kim Boyd-Leaks.
View institutional ownership trends.

How do I buy shares of Peoples Bancorp of North Carolina?

Shares of PEBK stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Peoples Bancorp of North Carolina own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Peoples Bancorp of North Carolina investors own include NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Advanced Micro Devices (AMD), Adobe (ADBE), ServiceNow (NOW) and Arista Networks (ANET).

Company Calendar

• Last Earnings: 4/21/2025
• Record date for 6/13 Dividend: 6/03/2025
• Ex-Dividend for 6/13 Dividend: 6/03/2025
• Dividend Payable: 6/13/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 7/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:PEBK
• CIK: 1093672
• Web: www.peoplesbanknc.com
• Phone: (828) 464-5620
• Fax: 704-465-5210
• Employees: 310
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $3.05
• Trailing P/E Ratio: 9.46
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $16.35 million
• Net Margins: 15.35%
• Pretax Margin: 20.01%
• Return on Equity: 12.65%
• Return on Assets: 1.01%

Debt

• Debt-to-Equity Ratio: 0.11
• Current Ratio: 0.83
• Quick Ratio: 0.83

Sales & Book Value

• Annual Sales: $108.45 million
• Price / Sales: 1.45
• Cash Flow: $3.54 per share
• Price / Cash Flow: 8.16
• Book Value: $23.92 per share
• Price / Book: 1.21

Miscellaneous

• Outstanding Shares: 5,460,000
• Free Float: 4,534,000
• Market Cap: $157.58 million
• Optionable: Not Optionable
• Beta: 0.62