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: $31.50 to $31.86
• 50-Day Range: $27.86 to $31.90
• 52-Week Range: $23.74 to $33.31
• Volume: 2,156 shs
• Average Volume: 8,046 shs
• Market Capitalization: $171.99 million
• P/E Ratio: 10.13
• Dividend Yield: 2.54%
• Price Target: N/A
• Consensus Rating: N/A

Peoples Bancorp of North Carolina Stock Analysis - MarketRank™

Peoples Bancorp of North Carolina scored higher than 34% of companies evaluated by MarketBeat, and ranked 799th out of 919 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 10.13, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 278.38.

Price to Earnings Ratio vs. Sector

The P/E ratio of Peoples Bancorp of North Carolina is 10.13, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.30.

Price to Book Value per Share Ratio

Peoples Bancorp of North Carolina has a P/B Ratio of 1.32. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

0.79% 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 4.1.

Change versus previous month

Short interest in Peoples Bancorp of North Carolina has recently increased by 28.62%, 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 2.52%, 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 25.72%. 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

0.79% 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 4.1.

Change versus previous month

Short interest in Peoples Bancorp of North Carolina has recently increased by 28.62%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 0.12

News Sentiment

Peoples Bancorp of North Carolina has a news sentiment score of 0.12. 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 0.97 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 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 $71,250.00 in company stock.

Percentage Held by Insiders

18.94% 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 shares have increased by 0.8% and is now trading at $31.4950.

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, July, 21st. The bank reported $0.95 earnings per share for the quarter. The bank had revenue of $22.29 million for the quarter. Peoples Bancorp of North Carolina had a net margin of 15.49% and a trailing twelve-month return on equity of 12.39%.

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

Peoples Bancorp of North Carolina's top institutional shareholders include Geode Capital Management LLC (2.00%), Arrowstreet Capital Limited Partnership (1.12%), Fourthstone LLC (0.64%) and HoldCo Asset Management LP (0.46%). 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

• Record date for 6/13 Dividend: 6/03/2025
• Ex-Dividend for 6/13 Dividend: 6/03/2025
• Dividend Payable: 6/13/2025
• Last Earnings: 7/21/2025
• Record date for 9/15 Dividend: 9/03/2025
• Ex-Dividend for 9/15 Dividend: 9/03/2025
• Today: 9/09/2025
• Dividend Payable: 9/15/2025
• Next Earnings (Estimated): 10/20/2025
• 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: 1912

Profitability

• EPS (Trailing Twelve Months): $3.11
• Trailing P/E Ratio: 10.13
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $16.35 million
• Net Margins: 15.49%
• Pretax Margin: 20.21%
• Return on Equity: 12.39%
• Return on Assets: 1.02%

Debt

• Debt-to-Equity Ratio: 0.11
• Current Ratio: 0.84
• Quick Ratio: 0.84

Sales & Book Value

• Annual Sales: $108.45 million
• Price / Sales: 1.59
• Cash Flow: $3.50 per share
• Price / Cash Flow: 8.99
• Book Value: $23.92 per share
• Price / Book: 1.32

Miscellaneous

• Outstanding Shares: 5,460,000
• Free Float: 4,425,000
• Market Cap: $171.96 million
• Optionable: Not Optionable
• Beta: 0.67